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ILS vs BTI: Dividend Comparison 2026

ILS yields 8.16% · BTI yields 5.40%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 BTI wins by $3.5K in total portfolio value· pulled ahead in Year 7
10 years
ILS
ILS
● Live price
8.16%
Share price
$19.77
Annual div
$1.61
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$34.3K
Annual income
$1,366.99
Full ILS calculator →
BTI
BTI
● Live price
5.40%
Share price
$58.26
Annual div
$3.15
5Y div CAGR
11.3%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$37.8K
Annual income
$2,802.29
Full BTI calculator →

Portfolio growth — ILS vs BTI

📍 BTI pulled ahead of the other in Year 7

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 PeriodILSBTI
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, ILS + BTI cover 0 of 12 monthsgood coverage

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

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

ILS
Annual income on $10K today (after 15% tax)
$693.53/yr
After 10yr DRIP, annual income (after tax)
$1,161.94/yr
BTI
Annual income on $10K today (after 15% tax)
$459.05/yr
After 10yr DRIP, annual income (after tax)
$2,381.95/yr
At 15% tax rate, BTI beats the other by $1,220.01/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of ILS + BTI for your $10,000?

ILS: 50%BTI: 50%
100% BTI50/50100% ILS
Portfolio after 10yr
$36.1K
Annual income
$2,084.63/yr
Blended yield
5.78%
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Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

ILS
No analyst data
BTI
Analyst Ratings
12
Buy
4
Hold
2
Sell
Consensus: Buy
Price Target
$40.00
-31.3% upside vs current
Range: $40.00 — $40.00
Altman Z
2.1
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)

ILS buys
0
BTI buys
0
No recent congressional trades found for ILS or BTI in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricILSBTI
Forward yield8.16%5.40%
Annual dividend / share$1.61$3.15
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%11.3%
Portfolio after 10y$34.3K$37.8K
Annual income after 10y$1,366.99$2,802.29
Total dividends collected$10.9K$14.4K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

Year-by-year: ILS vs BTI ($10,000, DRIP)

YearILS PortfolioILS Income/yrBTI PortfolioBTI Income/yrGap
1$11,516$815.91$11,301$601.08+$215.00ILS
2$13,200$878.13$12,799$706.58+$401.00ILS
3$15,065$940.71$14,527$832.38+$538.00ILS
4$17,123$1,003.36$16,527$982.75+$596.00ILS
5$19,387$1,065.82$18,846$1,162.95+$541.00ILS
6$21,872$1,127.82$21,545$1,379.49+$327.00ILS
7← crossover$24,592$1,189.14$24,694$1,640.41$102.00BTI
8$27,563$1,249.56$28,378$1,955.69$815.00BTI
9$30,802$1,308.90$32,702$2,337.79$1.9KBTI
10$34,325$1,366.99$37,794$2,802.29$3.5KBTI

ILS vs BTI: Complete Analysis 2026

ILSStock

ILS is the first US-listed catastrophe bond ETF. It provides investors exposure to a non-correlated asset class through an actively managed portfolio of global catastrophe bonds. Catastrophe bonds, also known as Cat bonds, are financial instruments that transfer natural risk disasters from insurers to capital market investors. Insurers gain extra insurance protection while investors gain access to high yield returns. The fund exclusively holds high yield rated Cat bonds tied to natural disasters, called trigger events. These bonds may be issued by US and foreign insurers, reinsurers, governments, and special purpose vehicles (SPVs). It has no limit on the maturity of the securities, as well as to the type of natural catastrophes, geographic areas, or thresholds of economic or physical loss it can invest in. In selecting constituents, qualitative and quantitative elements are considered including peril type, geography, payout trigger, issuer, and risk-adjusted return potential.

Full ILS Calculator →

BTIConsumer Staples

British American Tobacco p.l.c. provides tobacco and nicotine products to consumers in the Americas, Europe, the Asia-Pacific, the Middle East, Africa, and the United States. It offers vapour, heated, and modern oral nicotine products; combustible cigarettes; and traditional oral products, such as snus and moist snuff. The company provides its products under the Vuse, glo, Velo, Grizzly, Kodiak, Dunhill, Kent, Lucky Strike, Pall Mall, Rothmans, Newport, Natural American Spirit, and Camel brands. The company distributes its products to retail outlets. British American Tobacco p.l.c. was founded in 1902 and is based in London, the United Kingdom.

Full BTI Calculator →
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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.