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RELOF vs BTI: Dividend Comparison 2026

RELOF yields 2.06% · BTI yields 5.38%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 RELOF wins by $42.6K in total portfolio value· pulled ahead in Year 6
10 years
RELOF
RELOF
● Live price
2.06%
Share price
$11.84
Annual div
$0.24
5Y div CAGR
45.2%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$80.3K
Annual income
$24,357.65
Full RELOF 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 — RELOF vs BTI

📍 RELOF pulled ahead of the other in Year 6

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 PeriodRELOFBTI
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, RELOF + BTI cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
RELOF 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.

RELOF
Annual income on $10K today (after 15% tax)
$174.83/yr
After 10yr DRIP, annual income (after tax)
$20,704.00/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, RELOF beats the other by $18,335.36/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

RELOF: 50%BTI: 50%
100% BTI50/50100% RELOF
Portfolio after 10yr
$59.0K
Annual income
$13,572.15/yr
Blended yield
23.01%
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Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

RELOF
No analyst data
Altman Z
2.4
Piotroski
5/9
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)

RELOF buys
0
BTI buys
0
No recent congressional trades found for RELOF or BTI in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricRELOFBTI
Forward yield2.06%5.38%
Annual dividend / share$0.24$3.15
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR45.2%11.3%
Portfolio after 10y$80.3K$37.7K
Annual income after 10y$24,357.65$2,786.64
Total dividends collected$54.8K$14.3K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearRELOF PortfolioRELOF Income/yrBTI PortfolioBTI Income/yrGap
1$10,999$298.65$11,299$598.92$300.00BTI
2$12,214$445.75$12,794$703.91$580.00BTI
3$13,741$671.74$14,518$829.07$777.00BTI
4$15,728$1,025.50$16,513$978.64$785.00BTI
5$18,422$1,592.88$18,827$1,157.84$405.00BTI
6← crossover$22,244$2,531.78$21,518$1,373.12+$726.00RELOF
7$27,949$4,148.30$24,657$1,632.46+$3.3KRELOF
8$36,979$7,073.16$28,329$1,945.74+$8.7KRELOF
9$52,266$12,699.31$32,637$2,325.33+$19.6KRELOF
10$80,283$24,357.65$37,708$2,786.64+$42.6KRELOF

RELOF vs BTI: Complete Analysis 2026

RELOFStock

Relo Group, Inc. provides corporate fringe benefit services in Japan. The company offers leased corporate housing management services; and residential property management services. It also provides life support services, such as leisure and accommodation services, as well as upskilling, medical examination, childcare, and nursing services. In addition, the company offers global relocation support services, including services related to working visa applications, medical examinations, vaccinations, and moving house overseas; and other services, such as the creation of overseas transfer regulations, arranging tickets for business trips, and house management during a transfer. Further, it engages in the operation of resorts, as well as in the insurance business. The company was formerly known as Relo Holdings, Inc. and changed its name to Relo Group, Inc. in July 2016. Relo Group, Inc. was incorporated in 1967 and is headquartered in Tokyo, Japan.

Full RELOF 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.