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INST vs MO: Dividend Comparison 2026

INST yields 8.47% · MO yields 6.27%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 MO wins by $42.6K in total portfolio value· pulled ahead in Year 7
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 →
MO
Altria Group Inc.
● Live price
6.27%
Share price
$67.02
Annual div
$4.20
5Y div CAGR
22.6%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$77.7K
Annual income
$28,968.54
Full MO calculator →

Portfolio growth — INST vs MO

📍 MO pulled ahead of the other in Year 7

Annual dividend income

🛡️

Recession Test — Did They Cut Dividends?

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

Crisis PeriodINSTMO
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 + MO cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
INST pays
MO pays
Both pay
Neither
💰

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
MO
Annual income on $10K today (after 15% tax)
$532.68/yr
After 10yr DRIP, annual income (after tax)
$24,623.26/yr
At 15% tax rate, MO beats the other by $23,392.82/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

INST: 50%MO: 50%
100% MO50/50100% INST
Portfolio after 10yr
$56.4K
Annual income
$15,208.06/yr
Blended yield
26.98%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on MO 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
MO
Analyst Ratings
16
Buy
9
Hold
1
Sell
Consensus: Buy
Price Target
$61.25
-8.6% upside vs current
Range: $47.00 — $68.00
Altman Z
3.2
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
MO buys
0
No recent congressional trades found for INST or MO in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricINSTMO
Forward yield8.47%6.27%
Annual dividend / share$2.00$4.20
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%22.6%
Portfolio after 10y$35.0K$77.7K
Annual income after 10y$1,447.58$28,968.54
Total dividends collected$11.5K$72.0K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples
Analyst consensusHoldBuy
Analyst price target$28.74$61.25

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

YearINST PortfolioINST Income/yrMO PortfolioMO Income/yrGap
1$11,547$847.46$10,558$768.31+$989.00INST
2$13,270$914.58$11,352$1,015.87+$1.9KINST
3$15,182$982.27$12,482$1,367.86+$2.7KINST
4$17,294$1,050.23$14,103$1,883.39+$3.2KINST
5$19,623$1,118.13$16,472$2,664.91+$3.2KINST
6$22,183$1,185.69$20,024$3,897.79+$2.2KINST
7← crossover$24,988$1,252.64$25,537$5,933.74$549.00MO
8$28,056$1,318.75$34,478$9,476.77$6.4KMO
9$31,404$1,383.79$49,776$16,022.63$18.4KMO
10$35,049$1,447.58$77,699$28,968.54$42.6KMO

INST vs MO: 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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MOConsumer Staples

Altria Group, Inc., through its subsidiaries, manufactures and sells smokeable and oral tobacco products in the United States. The company provides cigarettes primarily under the Marlboro brand; cigars and pipe tobacco principally under the Black & Mild brand; and moist smokeless tobacco products under the Copenhagen, Skoal, Red Seal, and Husky brands, as well as provides on! oral nicotine pouches. It sells its tobacco products primarily to wholesalers, including distributors; and large retail organizations, such as chain stores. Altria Group, Inc. was founded in 1822 and is headquartered in Richmond, Virginia.

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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.