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INST vs BTI: Dividend Comparison 2026

INST yields 8.47% · BTI yields 5.40%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 BTI wins by $2.7K in total portfolio value· pulled ahead in Year 8
10 years
INST
INST
● Live price
8.47%
Share price
$23.60
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$35.0K
Annual income
$1,447.58
Full INST 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 — INST vs BTI

📍 BTI pulled ahead of the other in Year 8

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 PeriodINSTBTI
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, INST + BTI cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
INST 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.

INST
Annual income on $10K today (after 15% tax)
$720.34/yr
After 10yr DRIP, annual income (after tax)
$1,230.44/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 $1,151.50/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

INST: 50%BTI: 50%
100% BTI50/50100% INST
Portfolio after 10yr
$36.4K
Annual income
$2,124.93/yr
Blended yield
5.83%
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Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

INST
Analyst Ratings
8
Buy
9
Hold
Consensus: Hold
Price Target
$28.74
+21.8% upside vs current
Range: $23.60 — $35.00
Altman Z
1.2
Piotroski
3/9
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)

INST buys
0
BTI buys
0
No recent congressional trades found for INST or BTI in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricINSTBTI
Forward yield8.47%5.40%
Annual dividend / share$2.00$3.15
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%11.3%
Portfolio after 10y$35.0K$37.8K
Annual income after 10y$1,447.58$2,802.29
Total dividends collected$11.5K$14.4K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples
Analyst consensusHoldBuy
Analyst price target$28.74$40.00

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

YearINST PortfolioINST Income/yrBTI PortfolioBTI Income/yrGap
1$11,547$847.46$11,301$601.08+$246.00INST
2$13,270$914.58$12,799$706.58+$471.00INST
3$15,182$982.27$14,527$832.38+$655.00INST
4$17,294$1,050.23$16,527$982.75+$767.00INST
5$19,623$1,118.13$18,846$1,162.95+$777.00INST
6$22,183$1,185.69$21,545$1,379.49+$638.00INST
7$24,988$1,252.64$24,694$1,640.41+$294.00INST
8← crossover$28,056$1,318.75$28,378$1,955.69$322.00BTI
9$31,404$1,383.79$32,702$2,337.79$1.3KBTI
10$35,049$1,447.58$37,794$2,802.29$2.7KBTI

INST vs BTI: Complete Analysis 2026

INSTStock

Instructure Holdings, Inc. provides cloud-based learning, assessment, development, and engagement systems worldwide. It offers Canvas Learning Management System that includes assessments, analytics, and learning content for K-12 and higher education institutions; Canvas Studio, an online video platform; Canvas Catalog, a course catalog and registration system; Canvas Assessment, a solution for assessments that include MasteryConnect, a robust student assessment management system, and Certica, which provides assessment content solutions and analytics to inform daily instruction in the classroom and data; Canvas Network that allows access to open online courses; Impact that helps K-12 and higher education institutions to improve technology adoption and evaluate impact of educational technology; and Elevate Data Sync, a solution that allows edtech vendors to share learning data between K-12 and higher education applications. The company was founded in 2008 and is headquartered in Salt Lake City, Utah.

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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.

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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.