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IRT vs TT: Dividend Comparison 2026

IRT yields 4.59% · TT yields 0.96%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 TT wins by $263.8K in total portfolio value· pulled ahead in Year 5
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 →
TT
TT
● Live price
0.96%
Share price
$403.93
Annual div
$3.87
5Y div CAGR
77.2%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$297.1K
Annual income
$177,604.16
Full TT calculator →

Portfolio growth — IRT vs TT

📍 TT pulled ahead of the other in Year 5

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 PeriodIRTTT
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 + TT cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
IRT pays
TT 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
TT
Annual income on $10K today (after 15% tax)
$81.44/yr
After 10yr DRIP, annual income (after tax)
$150,963.54/yr
At 15% tax rate, TT beats the other by $149,336.22/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

IRT: 50%TT: 50%
100% TT50/50100% IRT
Portfolio after 10yr
$165.2K
Annual income
$89,759.32/yr
Blended yield
54.35%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on IRT 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
TT
Analyst Ratings
10
Buy
14
Hold
1
Sell
Consensus: Hold
Price Target
$471.88
+16.8% upside vs current
Range: $370.00 — $520.00
Altman Z
6.6
Piotroski
8/9
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
TT buys
0
No recent congressional trades found for IRT or TT in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricIRTTT
Forward yield4.59%0.96%
Annual dividend / share$0.68$3.87
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR10.1%77.2%
Portfolio after 10y$33.3K$297.1K
Annual income after 10y$1,914.49$177,604.16
Total dividends collected$10.7K$265.9K
Payment frequencyquarterlyquarterly
SectorREITIndustrials
Analyst consensusBuyHold
Analyst price target$20.08$471.88

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

YearIRT PortfolioIRT Income/yrTT PortfolioTT Income/yrGap
1$11,206$505.52$10,870$169.77+$336.00IRT
2$12,573$582.88$11,936$305.61+$637.00IRT
3$14,126$672.95$13,328$555.77+$798.00IRT
4$15,893$777.98$15,288$1,027.68+$605.00IRT
5← crossover$17,906$900.64$18,311$1,952.29$405.00TT
6$20,203$1,044.12$23,465$3,872.33$3.3KTT
7$22,830$1,212.23$33,325$8,217.96$10.5KTT
8$25,837$1,409.50$54,987$19,328.64$29.1KTT
9$29,287$1,641.41$111,652$52,815.95$82.4KTT
10$33,252$1,914.49$297,071$177,604.16$263.8KTT

IRT vs TT: 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 →

TTIndustrials

Trane Technologies plc, together with its subsidiaries, engages in the designing, manufacturing, selling, and servicing of solutions for heating, ventilation, air conditioning, and transport refrigeration. It offers air conditioners, exchangers, and handlers; airside and terminal devices; auxiliary power units; chillers; coils and condensers; gensets; furnaces; heat pumps; home automation products; humidifiers; hybrid and non-diesel transport refrigeration, and ice energy storage solutions; indoor air quality assessments and related products; large and light commercial unitary products; motor replacements; refrigerant reclamation products; thermostats/controls; transport heater products; variable refrigerant flow products; and water source heat pumps. The company also provides building management, control, ductless, geothermal, package heating and cooling, temporary heating and cooling, and unitary systems; bus, rail, and multi-pipe heating, ventilation, and air conditioning systems; and container, cryogenic, diesel-powered, electric-powered trailer and truck, hybrid-powered trailer, industrial, rail, self-powered truck, trailer, and vehicle-powered truck refrigeration systems, as well as aftermarket and OEM parts and supplies. In addition, it offers energy and facility management, installation and performance contracting, repair and maintenance, and rental services. It markets and sells its products under the Trane and Thermo King brands through sales offices, distributors, and dealers in the United States; and through sales and service companies with a supporting chain of distributors worldwide. The company was formerly known as Ingersoll-Rand Plc and changed its name to Trane Technologies plc in March 2020. Trane Technologies plc was founded in 1885 and is headquartered in Swords, Ireland.

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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.