HomeCompareIRL vs PM

IRL vs PM: Dividend Comparison 2026

IRL yields 1.92% · PM yields 3.49%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 IRL wins by $54.30M in total portfolio value· pulled ahead in Year 4
10 years
IRL
IRL
● Live price
1.92%
Share price
$10.41
Annual div
$0.20
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$54.35M
Annual income
$49,418,680.20
Full IRL 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 — IRL vs PM

📍 IRL 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 PeriodIRLPM
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, IRL + PM cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

IRL
Annual income on $10K today (after 15% tax)
$163.55/yr
After 10yr DRIP, annual income (after tax)
$42,005,878.17/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, IRL beats the other by $42,003,750.95/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

IRL: 50%PM: 50%
100% PM50/50100% IRL
Portfolio after 10yr
$27.20M
Annual income
$24,710,591.41/yr
Blended yield
90.84%
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Analyst Conviction Gap

Where Wall Street is most bullish on PM right now

IRL
No analyst data
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)

IRL buys
0
PM buys
0
No recent congressional trades found for IRL or PM in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricIRLPM
Forward yield1.92%3.49%
Annual dividend / share$0.20$5.76
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR100%17.2%
Portfolio after 10y$54.35M$49.6K
Annual income after 10y$49,418,680.20$2,502.61
Total dividends collected$53.95M$11.8K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearIRL PortfolioIRL Income/yrPM PortfolioPM Income/yrGap
1$11,085$384.82$11,650$409.56$565.00PM
2$12,658$797.32$13,592$497.49$934.00PM
3$15,246$1,701.85$15,882$605.21$636.00PM
4← crossover$20,145$3,831.38$18,589$737.41+$1.6KIRL
5$31,017$9,462.45$21,794$899.94+$9.2KIRL
6$60,421$27,232.87$25,597$1,100.16+$34.8KIRL
7$163,809$99,157.86$30,118$1,347.30+$133.7KIRL
8$677,757$502,481.85$35,505$1,652.97+$642.3KIRL
9$4,611,211$3,886,010.67$41,940$2,031.88+$4.57MIRL
10$54,352,676$49,418,680.20$49,643$2,502.61+$54.30MIRL

IRL vs PM: Complete Analysis 2026

IRLStock

The New Ireland Fund, Inc. is a close-ended balanced mutual fund launched by Bank of Ireland Asset Management (U.S.) Limited. It is managed by Kleinwort Benson Investors International Ltd. The fund invests in the public equity and fixed income markets of the Ireland. It seeks to invest in growth stocks of companies operating across diversified sectors. The fund benchmarks the performance of its portfolio against the ISEQ Index. It was formerly known as Irish Investment Fund Inc. The New Ireland Fund, Inc. was formed on December 14, 1989 and is domiciled in the United States.

Full IRL Calculator →

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.

Full PM 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.