HomeComparePAYM vs BTI

PAYM vs BTI: Dividend Comparison 2026

PAYM yields 1.89% · BTI yields 5.38%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 BTI wins by $15.3K in total portfolio value
10 years
PAYM
PAYM
● Live price
1.89%
Share price
$21.94
Annual div
$0.42
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$22.4K
Annual income
$214.12
Full PAYM calculator →
BTI
BTI
● Live price
5.38%
Share price
$58.47
Annual div
$3.15
5Y div CAGR
11.3%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$37.7K
Annual income
$2,786.64
Full BTI calculator →

Portfolio growth — PAYM vs BTI

📍 BTI 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 PeriodPAYMBTI
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, PAYM + BTI cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
PAYM pays
BTI pays
Both pay
Neither
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Tax Bracket Optimizer

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

PAYM
Annual income on $10K today (after 15% tax)
$161.01/yr
After 10yr DRIP, annual income (after tax)
$182.00/yr
BTI
Annual income on $10K today (after 15% tax)
$457.40/yr
After 10yr DRIP, annual income (after tax)
$2,368.64/yr
At 15% tax rate, BTI beats the other by $2,186.64/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

PAYM: 50%BTI: 50%
100% BTI50/50100% PAYM
Portfolio after 10yr
$30.1K
Annual income
$1,500.38/yr
Blended yield
4.99%
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Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

PAYM
No analyst data
BTI
Analyst Ratings
12
Buy
4
Hold
2
Sell
Consensus: Buy
Price Target
$40.00
-31.6% 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)

PAYM buys
0
BTI buys
0
No recent congressional trades found for PAYM or BTI in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricPAYMBTI
Forward yield1.89%5.38%
Annual dividend / share$0.42$3.15
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%11.3%
Portfolio after 10y$22.4K$37.7K
Annual income after 10y$214.12$2,786.64
Total dividends collected$2.0K$14.3K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearPAYM PortfolioPAYM Income/yrBTI PortfolioBTI Income/yrGap
1← crossover$10,889$189.42$11,299$598.92$410.00BTI
2$11,844$192.78$12,794$703.91$950.00BTI
3$12,870$195.97$14,518$829.07$1.6KBTI
4$13,969$199.00$16,513$978.64$2.5KBTI
5$15,149$201.87$18,827$1,157.84$3.7KBTI
6$16,414$204.60$21,518$1,373.12$5.1KBTI
7$17,770$207.18$24,657$1,632.46$6.9KBTI
8$19,224$209.62$28,329$1,945.74$9.1KBTI
9$20,781$211.94$32,637$2,325.33$11.9KBTI
10$22,450$214.12$37,708$2,786.64$15.3KBTI

PAYM vs BTI: Complete Analysis 2026

PAYMStock

PAYM aims to provide moderate monthly income with some downside protection, however, investors face loss of principal if the equity index falls sharply. PAYM aims to provide a lower-volatility equity strategy as compared to its sister product, PAYH. The strategy is designed to smooth returns and manage risk in changing market conditions. The ETF is actively managed, aiming to provide exposure to an autocallable index that tracks a portfolio of synthetic autocallable notes linked to a custom volatility index. The fund gains exposure to autocallable notes through total return swaps, rather than by directly holding the autocallables. Swap exposure is rebalanced or rolled weekly. Exposure to S&P 500 futures may be adjusted up to seven times daily, increasing exposure in calm markets and reducing it during volatility to stabilize risk and potentially reduce drawdowns. The fund may invest up to 25% of its assets in a Cayman Islands subsidiary for derivatives exposure.

Full PAYM 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.

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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.