HomeCompareIFCZF vs PM

IFCZF vs PM: Dividend Comparison 2026

IFCZF yields 2.22% · PM yields 3.48%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 IFCZF wins by $214.5K in total portfolio value· pulled ahead in Year 6
10 years
IFCZF
IFCZF
● Live price
2.22%
Share price
$179.00
Annual div
$3.98
5Y div CAGR
58%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$264.1K
Annual income
$138,089.25
Full IFCZF calculator →
PM
Philip Morris International
● Live price
3.48%
Share price
$165.34
Annual div
$5.76
5Y div CAGR
17.2%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$49.6K
Annual income
$2,492.02
Full PM calculator →

Portfolio growth — IFCZF vs PM

📍 IFCZF pulled ahead of the other in Year 6

Annual dividend income

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Recession Test — Did They Cut Dividends?

How each stock treated shareholders during the 3 biggest crises of the last 20 years

Crisis PeriodIFCZFPM
2008–2009
GFC
— No data— No data
2020 Q1–Q2
COVID
— No data— No data
2022 Q4
Rate Hike
— No data— No data
Based on dividend payment history. "Increased" = dividend grew during crisis. "Maintained" = held within 3%. "Cut" = reduced by more than 3%.
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Dividend Calendar Overlap

Combined, IFCZF + PM cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
IFCZF pays
PM pays
Both pay
Neither
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Tax Bracket Optimizer

Which stock is actually better after tax? Adjust your rate to find out.

IFCZF
Annual income on $10K today (after 15% tax)
$189.01/yr
After 10yr DRIP, annual income (after tax)
$117,375.86/yr
PM
Annual income on $10K today (after 15% tax)
$296.12/yr
After 10yr DRIP, annual income (after tax)
$2,118.22/yr
At 15% tax rate, IFCZF beats the other by $115,257.65/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of IFCZF + PM for your $10,000?

IFCZF: 50%PM: 50%
100% PM50/50100% IFCZF
Portfolio after 10yr
$156.8K
Annual income
$70,290.64/yr
Blended yield
44.82%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on PM right now

IFCZF
Analyst Ratings
1
Hold
Consensus: Hold
Price Target
$250.00
+39.7% upside vs current
Range: $250.00 — $250.00
Altman Z
1.9
Piotroski
7/9
PM
Analyst Ratings
17
Buy
7
Hold
1
Sell
Consensus: Buy
Price Target
$194.30
+17.5% upside vs current
Range: $180.00 — $205.00
Altman Z
4.0
Piotroski
7/9
Analyst ratings via FMP. Altman Z-Score: >3.0 safe, 1.81–3.0 grey zone, <1.81 distress. Piotroski: 7–9 strong, 0–3 weak.
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

IFCZF buys
0
PM buys
0
No recent congressional trades found for IFCZF or PM in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricIFCZFPM
Forward yield2.22%3.48%
Annual dividend / share$3.98$5.76
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR58%17.2%
Portfolio after 10y$264.1K$49.6K
Annual income after 10y$138,089.25$2,492.02
Total dividends collected$230.8K$11.7K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples
Analyst consensusHoldBuy
Analyst price target$250.00$194.30

Year-by-year: IFCZF vs PM ($10,000, DRIP)

YearIFCZF PortfolioIFCZF Income/yrPM PortfolioPM Income/yrGap
1$11,051$351.33$11,648$408.29$597.00PM
2$12,398$573.33$13,589$495.90$1.2KPM
3$14,216$949.78$15,877$603.21$1.7KPM
4$16,819$1,608.09$18,580$734.88$1.8KPM
5$20,806$2,809.39$21,781$896.75$975.00PM
6← crossover$27,394$5,131.77$25,578$1,096.12+$1.8KIFCZF
7$39,289$9,977.25$30,092$1,342.17+$9.2KIFCZF
8$63,169$21,129.93$35,470$1,646.46+$27.7KIFCZF
9$117,756$50,165.59$41,892$2,023.58+$75.9KIFCZF
10$264,089$138,089.25$49,578$2,492.02+$214.5KIFCZF

IFCZF vs PM: Complete Analysis 2026

IFCZFStock

Intact Financial Corporation, through its subsidiaries, provides property and casualty insurance products to individuals and businesses in Canada, the United States, the United Kingdom, Ireland, rest of Europe, and the Middle East. It offers personal auto insurance; insurance for motor homes, recreational vehicles, motorcycles, snowmobiles, and all-terrain vehicles; personal property insurance, such as protection for homes and contents from risks, including fire, theft, vandalism, water damage, and other damages, as well as personal liability coverage; and property coverage for tenants, condominium owners, non-owner occupied residences, and seasonal residences. The company also provides insurance products for commercial lines for a group of small and medium sized businesses; commercial property insurance for the protection of physical assets of the business; and liability coverages comprising commercial general, product, and professional liability, as well as cyber endorsement. In addition, it offers commercial vehicle insurance coverages for the protection for commercial auto, fleets, garage operations, light trucks, public vehicles, and the specific needs of the sharing economy. Further, the company provides various personal levels of coverage to customers for their home, motor, pet, and other insurance products; general insurance, specialty lines, and risk management solutions; specialty insurance products for various product and customer groups, including accident and health, technology, ocean and inland marine, public entities, and entertainment, as well as financial services and institutions; and various products to specialty property, surety, tuition reimbursement, management liability, cyber, and environmental institutions. The company was formerly known as ING Canada Inc. and changed its name to Intact Financial Corporation in 2009. Intact Financial Corporation was founded in 1809 and is based in Toronto, Canada.

Full IFCZF Calculator →

PMConsumer Staples

Philip Morris International Inc. operates as a tobacco company working to delivers a smoke-free future and evolving portfolio for the long-term to include products outside of the tobacco and nicotine sector. The company's product portfolio primarily consists of cigarettes and smoke-free products, including heat-not-burn, vapor, and oral nicotine products that are sold in markets outside the United States. The company offers its smoke-free products under the HEETS, HEETS Creations, HEETS Dimensions, HEETS Marlboro, HEETS FROM MARLBORO, Marlboro Dimensions, Marlboro HeatSticks, Parliament HeatSticks, and TEREA brands, as well as the KT&G-licensed brands, Fiit, and Miix. It also sells its products under the Marlboro, Parliament, Bond Street, Chesterfield, L&M, Lark, and Philip Morris brands. In addition, the company owns various cigarette brands, such as Dji Sam Soe, Sampoerna A, and Sampoerna U in Indonesia; and Fortune and Jackpot in the Philippines. The company sells its smoke-free products in 71 markets. Philip Morris International Inc. was incorporated in 1987 and is headquartered in New York, New York.

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⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.