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PM vs SAP: Dividend Comparison 2026

PM yields 3.49% · SAP yields 1.76%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 SAP wins by $10.6K in total portfolio value· pulled ahead in Year 9
10 years
PM
Philip Morris International
● Live price
3.49%
Share price
$164.83
Annual div
$5.76
5Y div CAGR
17.2%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$49.6K
Annual income
$2,502.61
Full PM calculator →
SAP
SAP
● Live price
1.76%
Share price
$168.29
Annual div
$2.97
5Y div CAGR
43.3%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$60.2K
Annual income
$14,866.12
Full SAP calculator →

Portfolio growth — PM vs SAP

📍 SAP pulled ahead of the other in Year 9

Annual dividend income

🛡️

Recession Test — Did They Cut Dividends?

How each stock treated shareholders during the 3 biggest crises of the last 20 years

Crisis PeriodPMSAP
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, PM + SAP cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

PM
Annual income on $10K today (after 15% tax)
$297.03/yr
After 10yr DRIP, annual income (after tax)
$2,127.22/yr
SAP
Annual income on $10K today (after 15% tax)
$150.01/yr
After 10yr DRIP, annual income (after tax)
$12,636.20/yr
At 15% tax rate, SAP beats the other by $10,508.98/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of PM + SAP for your $10,000?

PM: 50%SAP: 50%
100% SAP50/50100% PM
Portfolio after 10yr
$54.9K
Annual income
$8,684.37/yr
Blended yield
15.81%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on PM right now

PM
Analyst Ratings
17
Buy
7
Hold
1
Sell
Consensus: Buy
Price Target
$194.30
+17.9% upside vs current
Range: $180.00 — $205.00
Altman Z
4.0
Piotroski
7/9
SAP
Analyst Ratings
22
Buy
14
Hold
7
Sell
Consensus: Buy
Price Target
$415.33
+146.8% upside vs current
Range: $245.00 — $718.00
Altman Z
6.1
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)

PM buys
0
SAP buys
0
No recent congressional trades found for PM or SAP in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricPMSAP
Forward yield3.49%1.76%
Annual dividend / share$5.76$2.97
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR17.2%43.3%
Portfolio after 10y$49.6K$60.2K
Annual income after 10y$2,502.61$14,866.12
Total dividends collected$11.8K$36.3K
Payment frequencyquarterlyquarterly
SectorConsumer StaplesStock
Analyst consensusBuyBuy
Analyst price target$194.30$415.33

Year-by-year: PM vs SAP ($10,000, DRIP)

YearPM PortfolioPM Income/yrSAP PortfolioSAP Income/yrGap
1$11,650$409.56$10,953$252.90+$697.00PM
2$13,592$497.49$12,091$370.97+$1.5KPM
3$15,882$605.21$13,485$548.42+$2.4KPM
4$18,589$737.41$15,249$819.21+$3.3KPM
5$21,794$899.94$17,556$1,240.57+$4.2KPM
6$25,597$1,100.16$20,698$1,912.91+$4.9KPM
7$30,118$1,347.30$25,168$3,020.33+$5.0KPM
8$35,505$1,652.97$31,848$4,918.38+$3.7KPM
9← crossover$41,940$2,031.88$42,412$8,335.30$472.00SAP
10$49,643$2,502.61$60,247$14,866.12$10.6KSAP

PM vs SAP: Complete Analysis 2026

PMConsumer Staples

Philip Morris International Inc. operates as a tobacco company working to delivers a smoke-free future and evolving portfolio for the long-term to include products outside of the tobacco and nicotine sector. The company's product portfolio primarily consists of cigarettes and smoke-free products, including heat-not-burn, vapor, and oral nicotine products that are sold in markets outside the United States. The company offers its smoke-free products under the HEETS, HEETS Creations, HEETS Dimensions, HEETS Marlboro, HEETS FROM MARLBORO, Marlboro Dimensions, Marlboro HeatSticks, Parliament HeatSticks, and TEREA brands, as well as the KT&G-licensed brands, Fiit, and Miix. It also sells its products under the Marlboro, Parliament, Bond Street, Chesterfield, L&M, Lark, and Philip Morris brands. In addition, the company owns various cigarette brands, such as Dji Sam Soe, Sampoerna A, and Sampoerna U in Indonesia; and Fortune and Jackpot in the Philippines. The company sells its smoke-free products in 71 markets. Philip Morris International Inc. was incorporated in 1987 and is headquartered in New York, New York.

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SAPStock

SAP SE, together with its subsidiaries, provides applications, technology, and services worldwide. It offers SAP S/4HANA that provides software capabilities for finance, risk and project management, procurement, manufacturing, supply chain and asset management, and research and development; SAP SuccessFactors solutions for human resources, including HR and payroll, talent and employee experience management, and people and workforce analytics; and spend management solutions that covers direct and indirect spend, travel and expense, and external workforce management. The company also provides SAP customer experience solutions; SAP Business Technology platform that enables customers and partners to build, integrate, and automate applications; and SAP Business Network, a business-to-business collaboration platform that helps digitalize key business processes across the supply chain and enables communication between trading partners. In addition, it offers SAP Signavio to help customers to discover, analyze, and understand their business process operations; SAP's industry cloud solutions that provides modular solutions addressing industry-specific functions; Taulia solutions for working capital management to help enable customers mitigate the effects of inflation by providing visibility into working capital and access to liquidity; and sustainability solutions and services. SAP SE was founded in 1972 and is headquartered in Walldorf, Germany.

Full SAP 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.