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INVRF vs BTI: Dividend Comparison 2026

INVRF yields 1012.15% · BTI yields 5.40%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 INVRF wins by $20937476.50M in total portfolio value
10 years
INVRF
INVRF
● Live price
1012.15%
Share price
$0.20
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$20937476.54M
Annual income
$17,530,369,411,858.64
Full INVRF 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 — INVRF vs BTI

📍 INVRF pulled ahead of the other in Year 1

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 PeriodINVRFBTI
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%.
📅

Dividend Calendar Overlap

Combined, INVRF + BTI cover 0 of 12 months — good coverage

Jan
—
Feb
—
Mar
—
Apr
—
May
—
Jun
—
Jul
—
Aug
—
Sep
—
Oct
—
Nov
—
Dec
—
INVRF pays
BTI pays
Both pay
Neither
💰

Tax Bracket Optimizer

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

INVRF
Annual income on $10K today (after 15% tax)
$86,032.39/yr
After 10yr DRIP, annual income (after tax)
$14,900,814,000,079.84/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, INVRF beats the other by $14,900,813,997,697.90/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

INVRF: 50%BTI: 50%
100% BTI50/50100% INVRF
Portfolio after 10yr
$10468738.29M
Annual income
$8,765,184,707,330.46/yr
Blended yield
83.73%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

INVRF
No analyst data
Altman Z
-13.3
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)

INVRF buys
0
BTI buys
0
No recent congressional trades found for INVRF or BTI in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricINVRFBTI
Forward yield1012.15% ✓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$20937476.54M ✓$37.8K
Annual income after 10y$17,530,369,411,858.64 ✓$2,802.29
Total dividends collected$20677585.76M ✓$14.4K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearINVRF PortfolioINVRF Income/yrBTI PortfolioBTI Income/yrGap
1← crossover$111,915$101,214.57$11,301$601.08+$100.6K → INVRF
2$1,178,383$1,058,634.22$12,799$706.58+$1.17M → INVRF
3$11,678,331$10,417,461.39$14,527$832.38+$11.66M → INVRF
4$108,983,636$96,487,821.83$16,527$982.75+$108.97M → INVRF
5$958,141,783$841,529,292.47$18,846$1,162.95+$958.12M → INVRF
6$7,939,602,895$6,914,391,186.81$21,545$1,379.49+$7939.58M → INVRF
7$62,042,871,545$53,547,496,447.51$24,694$1,640.41+$62042.85M → INVRF
8$457,450,470,126$391,064,597,573.52$28,378$1,955.69+$457450.44M → INVRF
9$3,184,212,271,265$2,694,740,268,229.93$32,702$2,337.79+$3184212.24M → INVRF
10$20,937,476,542,112$17,530,369,411,858.64$37,794$2,802.29+$20937476.50M → INVRF

INVRF vs BTI: Complete Analysis 2026

INVRF — Stock

Inverite Insights Inc. provides AI-driven software focusing on real-time financial data that empowers business lenders and financial institutions to transact with consumers for data enrichment, identify-KYC, risk management, and compliance. The company operates a cloud-based transactional and Risk Model as a Service (RMaaS) platform; and offers open banking and consumer-directed finance solutions comprising banking verification solutions to the financial services industry for income verification, credit decisioning, fraud reduction, and know-your client/anti-money laundering purposes. It also provides B2B solutions, such as ID verification, risk score, micro check, and bank verification. The company was formerly known as Marble Financial Inc. and changed its name to Inverite Insights Inc. in January 2024. Inverite Insights Inc. was incorporated in 2015 and is headquartered in Vancouver, Canada.

Full INVRF Calculator →

BTI — Consumer 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.