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IRDEF vs PM: Dividend Comparison 2026

IRDEF yields 5.75% · PM yields 3.49%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 IRDEF wins by $46.0K in total portfolio value· pulled ahead in Year 4
10 years
IRDEF
IRDEF
● Live price
5.75%
Share price
$2.61
Annual div
$0.15
5Y div CAGR
27.9%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$95.7K
Annual income
$24,412.72
Full IRDEF calculator →
PM
Philip Morris International
● Live price
3.49%
Share price
$164.83
Annual div
$5.76
5Y div CAGR
17.2%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$49.6K
Annual income
$2,502.61
Full PM calculator →

Portfolio growth — IRDEF vs PM

📍 IRDEF pulled ahead of the other in Year 4

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 PeriodIRDEFPM
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, IRDEF + PM cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

IRDEF
Annual income on $10K today (after 15% tax)
$489.16/yr
After 10yr DRIP, annual income (after tax)
$20,750.81/yr
PM
Annual income on $10K today (after 15% tax)
$297.03/yr
After 10yr DRIP, annual income (after tax)
$2,127.22/yr
At 15% tax rate, IRDEF beats the other by $18,623.59/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

IRDEF: 50%PM: 50%
100% PM50/50100% IRDEF
Portfolio after 10yr
$72.6K
Annual income
$13,457.67/yr
Blended yield
18.52%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on PM right now

IRDEF
No analyst data
Altman Z
0.9
Piotroski
7/9
PM
Analyst Ratings
17
Buy
7
Hold
1
Sell
Consensus: Buy
Price Target
$194.30
+17.9% 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)

IRDEF buys
0
PM buys
5
PoliticianChamberTickerTypeAmountDate
Julia Letlow🏢 House$PM▼ Sell$1,001 - $15,0002026-02-05
Julie Johnson🏢 House$PM▼ Sell$1,001 - $15,0002025-12-18
Julie Johnson🏢 House$PM▼ Sell$1,001 - $15,0002025-11-13
Ro Khanna🏢 House$PM▼ Sell$1,001 - $15,0002025-10-30
Ro Khanna🏢 House$PM▼ Sell$1,001 - $15,0002025-10-30
Ro Khanna🏢 House$PM▲ Buy$1,001 - $15,0002025-09-29
Ro Khanna🏢 House$PM▲ Buy$15,001 - $50,0002025-09-05
Ro Khanna🏢 House$PM▲ Buy$15,001 - $50,0002025-08-26
Julie Johnson🏢 House$PM▼ Sell$1,001 - $15,0002025-08-14
Julie Johnson🏢 House$PM▼ Sell$1,001 - $15,0002025-07-22
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricIRDEFPM
Forward yield5.75%3.49%
Annual dividend / share$0.15$5.76
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR27.9%17.2%
Portfolio after 10y$95.7K$49.6K
Annual income after 10y$24,412.72$2,502.61
Total dividends collected$66.7K$11.8K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearIRDEF PortfolioIRDEF Income/yrPM PortfolioPM Income/yrGap
1$11,436$736.04$11,650$409.56$214.00PM
2$13,243$1,006.15$13,592$497.49$349.00PM
3$15,562$1,392.68$15,882$605.21$320.00PM
4← crossover$18,608$1,956.30$18,589$737.41+$19.00IRDEF
5$22,707$2,796.07$21,794$899.94+$913.00IRDEF
6$28,375$4,078.38$25,597$1,100.16+$2.8KIRDEF
7$36,453$6,091.85$30,118$1,347.30+$6.3KIRDEF
8$48,359$9,354.83$35,505$1,652.97+$12.9KIRDEF
9$66,579$14,834.48$41,940$2,031.88+$24.6KIRDEF
10$95,652$24,412.72$49,643$2,502.61+$46.0KIRDEF

IRDEF vs PM: Complete Analysis 2026

IRDEFStock

Iren SpA, together with its subsidiaries, operates as a multi-utility company in Italy. It operates through Networks, Waste Management, Energy, Market, and Other Services segments. The company produces and distributes electricity primarily from hydroelectric, thermoelectric, cogeneration, and other renewables, as well as distributes natural gas. It distributes electrical energy through 7,849 kilometers of medium and low voltage networks to approximately 725,000 connected users; and natural gas through its network of approximately 8,115 kilometers of high, medium, and low-pressure pipes to approximately 741,000 customers. The company also operates integrated water cycle, which includes 20,088 kilometers of pipeline networks that serve 2.8 million residents; 11,291 kilometers of sewerage networks; and operates treatment plants. In addition, it is involved in the provision of services related to street lighting systems, traffic light systems, heating systems, and electrical and special systems; collection and disposal of waste; snow clearing services; and analysis laboratories, telecommunications, and other services. It operates 23 hydroelectric plants, 7 thermoelectric cogeneration systems, and 1 thermoelectric plant, as well as 95 photovoltaic production plants with an installed capacity of 18 MW. Iren SpA is based in Reggio Emilia, Italy.

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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.