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IRT vs MS: Dividend Comparison 2026

IRT yields 4.59% · MS yields 2.48%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 MS wins by $167.40M 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 →
MS
MS
● Live price
2.48%
Share price
$158.32
Annual div
$3.93
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$167.43M
Annual income
$155,391,640.16
Full MS calculator →

Portfolio growth — IRT vs MS

📍 MS pulled ahead of the other in Year 2

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 PeriodIRTMS
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 + MS cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
IRT pays
MS 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
MS
Annual income on $10K today (after 15% tax)
$210.73/yr
After 10yr DRIP, annual income (after tax)
$132,082,894.14/yr
At 15% tax rate, MS beats the other by $132,081,266.82/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

IRT: 50%MS: 50%
100% MS50/50100% IRT
Portfolio after 10yr
$83.73M
Annual income
$77,696,777.32/yr
Blended yield
92.79%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on MS 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
MS
Analyst Ratings
27
Buy
24
Hold
Consensus: Buy
Price Target
$196.00
+23.8% upside vs current
Range: $165.00 — $220.00
Altman Z
0.4
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
MS buys
0
No recent congressional trades found for IRT or MS in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricIRTMS
Forward yield4.59%2.48%
Annual dividend / share$0.68$3.93
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR10.1%100%
Portfolio after 10y$33.3K$167.43M
Annual income after 10y$1,914.49$155,391,640.16
Total dividends collected$10.7K$166.51M
Payment frequencyquarterlyquarterly
SectorREITFinancials
Analyst consensusBuyBuy
Analyst price target$20.08$196.00

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

YearIRT PortfolioIRT Income/yrMS PortfolioMS Income/yrGap
1$11,206$505.52$11,196$495.85+$10.00IRT
2← crossover$12,573$582.88$13,017$1,037.65$444.00MS
3$14,126$672.95$16,183$2,255.06$2.1KMS
4$15,893$777.98$22,557$5,240.32$6.7KMS
5$17,906$900.64$37,788$13,652.33$19.9KMS
6$20,203$1,044.12$83,183$42,749.57$63.0KMS
7$22,830$1,212.23$264,902$175,896.68$242.1KMS
8$25,837$1,409.50$1,330,469$1,047,023.74$1.30MMS
9$29,287$1,641.41$11,252,891$9,829,288.79$11.22MMS
10$33,252$1,914.49$167,432,233$155,391,640.16$167.40MMS

IRT vs MS: 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 →

MSFinancials

Morgan Stanley, a financial holding company, provides various financial products and services to corporations, governments, financial institutions, and individuals in the Americas, Europe, the Middle East, Africa, and Asia. It operates through Institutional Securities, Wealth Management, and Investment Management segments. The Institutional Securities segment offers capital raising and financial advisory services, including services related to the underwriting of debt, equity, and other securities, as well as advice on mergers and acquisitions, restructurings, real estate, and project finance. This segment also provides sales and trading services, such as sales, financing, prime brokerage, and market-making services in equity and fixed income products consisting of foreign exchange and commodities; corporate and commercial real estate loans, which provides secured lending facilities and financing for sales and trading customers, and asset-backed and mortgage lending; and wealth management services, investment, and research services. The Wealth Management segment offers financial advisor-led brokerage and investment advisory services; self-directed brokerage services; financial and wealth planning services; workplace services, including stock plan administration; annuity and insurance products; securities-based lending, residential real estate loans, and other lending products; banking; and retirement plan services to individual investors and small to medium-sized businesses and institutions. The Investment Management segment provides equity, fixed income, liquidity, and alternative/other products to benefit/defined contribution plans, foundations, endowments, government entities, sovereign wealth funds, insurance companies, and third-party fund sponsors and corporations through institutional and intermediary channels. Morgan Stanley was founded in 1924 and is headquartered in New York, New York.

Full MS 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.