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LRLCF vs BTI: Dividend Comparison 2026

LRLCF yields 1.95% · BTI yields 5.40%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 LRLCF wins by $7.88M in total portfolio value· pulled ahead in Year 3
10 years
LRLCF
LRLCF
● Live price
1.95%
Share price
$405.00
Annual div
$7.91
5Y div CAGR
87.3%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$7.92M
Annual income
$6,654,727.93
Full LRLCF calculator →
BTI
BTI
● Live price
5.40%
Share price
$58.26
Annual div
$3.15
5Y div CAGR
11.3%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$37.8K
Annual income
$2,802.29
Full BTI calculator →

Portfolio growth — LRLCF vs BTI

📍 LRLCF pulled ahead of the other in Year 3

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 PeriodLRLCFBTI
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%.
📅

Dividend Calendar Overlap

Combined, LRLCF + BTI cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

LRLCF
Annual income on $10K today (after 15% tax)
$166.05/yr
After 10yr DRIP, annual income (after tax)
$5,656,518.74/yr
BTI
Annual income on $10K today (after 15% tax)
$459.05/yr
After 10yr DRIP, annual income (after tax)
$2,381.95/yr
At 15% tax rate, LRLCF beats the other by $5,654,136.79/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of LRLCF + BTI for your $10,000?

LRLCF: 50%BTI: 50%
100% BTI50/50100% LRLCF
Portfolio after 10yr
$3.98M
Annual income
$3,328,765.10/yr
Blended yield
83.70%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

LRLCF
No analyst data
Altman Z
7.0
Piotroski
7/9
BTI
Analyst Ratings
12
Buy
4
Hold
2
Sell
Consensus: Buy
Price Target
$40.00
-31.3% upside vs current
Range: $40.00 — $40.00
Altman Z
2.1
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)

LRLCF buys
0
BTI buys
0
No recent congressional trades found for LRLCF or BTI in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricLRLCFBTI
Forward yield1.95%5.40%
Annual dividend / share$7.91$3.15
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR87.3%11.3%
Portfolio after 10y$7.92M$37.8K
Annual income after 10y$6,654,727.93$2,802.29
Total dividends collected$7.79M$14.4K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

Year-by-year: LRLCF vs BTI ($10,000, DRIP)

YearLRLCF PortfolioLRLCF Income/yrBTI PortfolioBTI Income/yrGap
1$11,066$365.91$11,301$601.08$235.00BTI
2$12,549$708.78$12,799$706.58$250.00BTI
3← crossover$14,835$1,407.01$14,527$832.38+$308.00LRLCF
4$18,785$2,911.46$16,527$982.75+$2.3KLRLCF
5$26,553$6,453.39$18,846$1,162.95+$7.7KLRLCF
6$44,380$15,968.06$21,545$1,379.49+$22.8KLRLCF
7$94,204$46,717.30$24,694$1,640.41+$69.5KLRLCF
8$274,384$173,585.98$28,378$1,955.69+$246.0KLRLCF
9$1,178,624$885,033.26$32,702$2,337.79+$1.15MLRLCF
10$7,915,856$6,654,727.93$37,794$2,802.29+$7.88MLRLCF

LRLCF vs BTI: Complete Analysis 2026

LRLCFStock

L'Oréal S.A., through its subsidiaries, manufactures and sells cosmetic products for women and men worldwide. The company operates through four divisions: Consumer Products, L'oréal Luxe, Professional Products, and Active Cosmetics. It offers shampoos, hair care products, shower gels, skin care products, cleansers, hair colors, styling products, deodorants, sun care products, make-up, perfumes, etc. The company provides its products under the L'Oréal Paris, Garnier, Maybelline New York, NYX Professional Makeup, Essie, Niely, Dark and Lovely, Lancôme, Yves Saint Laurent Beauté, Giorgio Armani Beauty, Kiehl's, Urban Decay, Biotherm, Ralph Lauren, IT Cosmetics, L'Oréal Professionnel, Kérastase, Redken, Matrix, Biolage, Pureology, Decléor, Carita, Vichy, La Roche-Posay, SkinCeuticals, Roger&Gallet, CeraVe, Stylenanda, Mixa, Magic Mask, Prada, Helena Rubinstein, Valentino, Mugler, Shu Uemura, Viktor&Rolf, Azzaro, Diesel, Atelier Cologne, Cacharel, and Yue Sai brands. It sells its products through distribution channels, such as hair salons, mass-market retail channels, perfumeries, department stores, pharmacies, drugstores, medispas, branded retail, travel retail, and e-commerce. L'Oréal S.A. was founded in 1909 and is headquartered in Clichy, France.

Full LRLCF Calculator →

BTIConsumer Staples

British American Tobacco p.l.c. provides tobacco and nicotine products to consumers in the Americas, Europe, the Asia-Pacific, the Middle East, Africa, and the United States. It offers vapour, heated, and modern oral nicotine products; combustible cigarettes; and traditional oral products, such as snus and moist snuff. The company provides its products under the Vuse, glo, Velo, Grizzly, Kodiak, Dunhill, Kent, Lucky Strike, Pall Mall, Rothmans, Newport, Natural American Spirit, and Camel brands. The company distributes its products to retail outlets. British American Tobacco p.l.c. was founded in 1902 and is based in London, the United Kingdom.

Full BTI 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.