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IRT vs XOM: Dividend Comparison 2026

IRT yields 4.59% · XOM yields 2.36%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 XOM wins by $14.4K in total portfolio value
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 →
XOM
Exxon Mobil Corporation
● Live price
2.36%
Share price
$171.52
Annual div
$4.04
5Y div CAGR
14.3%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$47.7K
Annual income
$1,106.42
Full XOM calculator →

Portfolio growth — IRT vs XOM

📍 XOM pulled ahead of the other in Year 1

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 PeriodIRTXOM
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 + XOM cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
IRT pays
XOM pays
Both pay
Neither
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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
XOM
Annual income on $10K today (after 15% tax)
$200.21/yr
After 10yr DRIP, annual income (after tax)
$940.46/yr
At 15% tax rate, IRT beats the other by $686.86/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

IRT: 50%XOM: 50%
100% XOM50/50100% IRT
Portfolio after 10yr
$40.5K
Annual income
$1,510.45/yr
Blended yield
3.73%
📊

Analyst Conviction Gap

Where Wall Street is split 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
XOM
Analyst Ratings
1
Strong
22
Buy
26
Hold
5
Sell
Consensus: Hold
Price Target
$146.77
-14.4% upside vs current
Range: $123.00 — $183.00
Altman Z
4.9
Piotroski
5/9
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
XOM buys
0
No recent congressional trades found for IRT or XOM in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricIRTXOM
Forward yield4.59%2.36%
Annual dividend / share$0.68$4.04
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR10.1%14.3%
Portfolio after 10y$33.3K$47.7K
Annual income after 10y$1,914.49$1,106.42
Total dividends collected$10.7K$6.0K
Payment frequencyquarterlyquarterly
SectorREITEnergy
Analyst consensusBuyHold
Analyst price target$20.08$146.77

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

YearIRT PortfolioIRT Income/yrXOM PortfolioXOM Income/yrGap
1← crossover$11,206$505.52$11,689$269.22$483.00XOM
2$12,573$582.88$13,664$314.98$1.1KXOM
3$14,126$672.95$15,973$368.51$1.8KXOM
4$15,893$777.98$18,672$431.16$2.8KXOM
5$17,906$900.64$21,828$504.46$3.9KXOM
6$20,203$1,044.12$25,518$590.24$5.3KXOM
7$22,830$1,212.23$29,832$690.62$7.0KXOM
8$25,837$1,409.50$34,876$808.09$9.0KXOM
9$29,287$1,641.41$40,774$945.55$11.5KXOM
10$33,252$1,914.49$47,671$1,106.42$14.4KXOM

IRT vs XOM: 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 →

XOMEnergy

Exxon Mobil Corporation explores for and produces crude oil and natural gas in the United States and internationally. It operates through Upstream, Downstream, and Chemical segments. The company is also involved in the manufacture, trade, transport, and sale of crude oil, natural gas, petroleum products, petrochemicals, and other specialty products; manufactures and sells petrochemicals, including olefins, polyolefins, aromatics, and various other petrochemicals; and captures and stores carbon, hydrogen, and biofuels. As of December 31, 2021, it had approximately 20,528 net operated wells with proved reserves. The company was founded in 1870 and is headquartered in Irving, Texas.

Full XOM 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.