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IRT vs COP: Dividend Comparison 2026

IRT yields 4.59% · COP yields 2.44%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 COP wins by $86.66M in total portfolio value· pulled ahead in Year 2
10 years
IRT
IRT
● Live price
4.59%
Share price
$14.81
Annual div
$0.68
5Y div CAGR
10.1%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$33.3K
Annual income
$1,914.49
Full IRT calculator →
COP
COP
● Live price
2.44%
Share price
$132.89
Annual div
$3.24
5Y div CAGR
96.6%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$86.69M
Annual income
$79,275,909.08
Full COP calculator →

Portfolio growth — IRT vs COP

📍 COP pulled ahead of the other in Year 2

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 PeriodIRTCOP
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, IRT + COP cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

IRT
Annual income on $10K today (after 15% tax)
$390.28/yr
After 10yr DRIP, annual income (after tax)
$1,627.32/yr
COP
Annual income on $10K today (after 15% tax)
$207.24/yr
After 10yr DRIP, annual income (after tax)
$67,384,522.72/yr
At 15% tax rate, COP beats the other by $67,382,895.40/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of IRT + COP for your $10,000?

IRT: 50%COP: 50%
100% COP50/50100% IRT
Portfolio after 10yr
$43.36M
Annual income
$39,638,911.78/yr
Blended yield
91.41%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on COP right now

IRT
Analyst Ratings
19
Buy
8
Hold
Consensus: Buy
Price Target
$20.08
+35.6% upside vs current
Range: $18.00 — $22.00
Altman Z
0.7
Piotroski
6/9
COP
Analyst Ratings
1
Strong
37
Buy
11
Hold
3
Sell
Consensus: Buy
Price Target
$116.79
-12.1% upside vs current
Range: $98.00 — $133.00
Altman Z
3.4
Piotroski
6/9
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)

IRT buys
0
COP buys
0
No recent congressional trades found for IRT or COP in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricIRTCOP
Forward yield4.59%2.44%
Annual dividend / share$0.68$3.24
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR10.1%96.6%
Portfolio after 10y$33.3K$86.69M
Annual income after 10y$1,914.49$79,275,909.08
Total dividends collected$10.7K$86.10M
Payment frequencyquarterlyquarterly
SectorREITEnergy
Analyst consensusBuyBuy
Analyst price target$20.08$116.79

Year-by-year: IRT vs COP ($10,000, DRIP)

YearIRT PortfolioIRT Income/yrCOP PortfolioCOP Income/yrGap
1$11,206$505.52$11,179$479.33+$27.00IRT
2← crossover$12,573$582.88$12,946$984.58$373.00COP
3$14,126$672.95$15,948$2,095.01$1.8KCOP
4$15,893$777.98$21,806$4,741.70$5.9KCOP
5$17,906$900.64$35,245$11,912.61$17.3KCOP
6$20,203$1,044.12$73,090$35,377.72$52.9KCOP
7$22,830$1,212.23$213,006$134,800.18$190.2KCOP
8$25,837$1,409.50$949,732$721,815.83$923.9KCOP
9$29,287$1,641.41$6,929,588$5,913,373.93$6.90MCOP
10$33,252$1,914.49$86,690,568$79,275,909.08$86.66MCOP

IRT vs COP: Complete Analysis 2026

IRTREIT

Independence Realty Trust, Inc. (NYSE: IRT) is a real estate investment trust that owns and operates multifamily apartment properties across non-gateway U.S. markets, including Atlanta, Louisville, Memphis, and Raleigh. IRT's investment strategy is focused on gaining scale within key amenity rich submarkets that offer good school districts, high-quality retail and major employment centers. IRT aims to provide stockholders attractive risk-adjusted returns through diligent portfolio management, strong operational performance, and a consistent return on capital through distributions and capital appreciation.

Full IRT Calculator →

COPEnergy

ConocoPhillips explores for, produces, transports, and markets crude oil, bitumen, natural gas, liquefied natural gas (LNG), and natural gas liquids worldwide. It primarily engages in the conventional and tight oil reservoirs, shale gas, heavy oil, LNG, oil sands, and other production operations. The company's portfolio includes unconventional plays in North America; conventional assets in North America, Europe, Asia, and Australia; various LNG developments; oil sands assets in Canada; and an inventory of conventional and unconventional exploration prospects. ConocoPhillips was founded in 1917 and is headquartered in Houston, Texas.

Full COP 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.