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RFLFY vs MO: Dividend Comparison 2026

RFLFY yields 150.38% · MO yields 9.11%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 RFLFY wins by $25.27M in total portfolio value
10 years
RFLFY
RFLFY
● Live price
150.38%
Share price
$1.33
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$25.30M
Annual income
$10,960,906.30
Full RFLFY calculator →
MO
Altria Group Inc.
● Live price
9.11%
Share price
$44.80
Annual div
$4.08
5Y div CAGR
4.3%
Payout ratio
78%
After 10 yrs · $10,000 · DRIP
Portfolio value
$27.7K
Annual income
$4,052.72
Full MO calculator →

Portfolio growth — RFLFY vs MO

📍 RFLFY 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 PeriodRFLFYMO
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, RFLFY + MO cover 0 of 12 monthsgood coverage

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

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

RFLFY
Annual income on $10K today (after 15% tax)
$12,781.95/yr
After 10yr DRIP, annual income (after tax)
$9,316,770.36/yr
MO
Annual income on $10K today (after 15% tax)
$774.11/yr
After 10yr DRIP, annual income (after tax)
$3,444.81/yr
At 15% tax rate, RFLFY beats the other by $9,313,325.54/year in after-tax income after 10 years on $10,000
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Lazy Portfolio Split Optimizer

What's the optimal mix of RFLFY + MO for your $10,000?

RFLFY: 50%MO: 50%
100% MO50/50100% RFLFY
Portfolio after 10yr
$12.66M
Annual income
$5,482,479.51/yr
Blended yield
43.29%
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Analyst Conviction Gap

Where Wall Street is most bullish on MO right now

RFLFY
No analyst data
Altman Z
0.4
Piotroski
4/9
MO
Analyst Ratings
16
Buy
9
Hold
1
Sell
Consensus: Buy
Price Target
$61.25
+36.7% upside vs current
Range: $47.00 — $68.00
Altman Z
3.2
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)

RFLFY buys
0
MO buys
0
No recent congressional trades found for RFLFY or MO in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricRFLFYMO
Forward yield150.38%9.11%
Annual dividend / share$2.00$4.08
Payout ratio50%78%
1-year div growth0%4.1%
5-year div CAGR0%4.3%
Portfolio after 10y$25.30M$27.7K
Annual income after 10y$10,960,906.30$4,052.72
Total dividends collected$23.42M$20.9K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

Year-by-year: RFLFY vs MO ($10,000, DRIP)

YearRFLFY PortfolioRFLFY Income/yrMO PortfolioMO Income/yrGap
1← crossover$25,738$15,037.59$10,740$949.88+$15.0KRFLFY
2$63,710$36,171.17$11,601$1,086.84+$52.1KRFLFY
3$151,850$83,679.89$12,608$1,250.75+$139.2KRFLFY
4$348,878$186,398.25$13,792$1,448.20+$335.1KRFLFY
5$773,536$400,236.35$15,190$1,687.69+$758.3KRFLFY
6$1,657,037$829,353.62$16,851$1,980.28+$1.64MRFLFY
7$3,433,410$1,660,381.19$18,838$2,340.48+$3.41MRFLFY
8$6,889,021$3,215,271.36$21,230$2,787.44+$6.87MRFLFY
9$13,400,534$6,029,282.19$24,130$3,346.72+$13.38MRFLFY
10$25,299,478$10,960,906.30$27,676$4,052.72+$25.27MRFLFY

RFLFY vs MO: Complete Analysis 2026

RFLFYStock

Raffles Education Corporation Limited, an investment holding company, provides education and related services in ASEAN, North Asia, South Asia, Australasia, and Europe. It operates through four segments: Education, Education Facilities Rental Service, Real Estate Investment & Development, and Corporate & Others. The company offers degree, diploma, and full-time certificate programs in design and business-oriented disciplines; pre-tertiary education; and K12 curriculum. In addition, it operates Raffles University Iskandar; Tianjin University of Commerce Boustead College; Raffles American School that offers American K-12 education; and Oriental University City campus. Further, it engages in education facilities leasing and commercial leasing activities for supporting facilities; and real estate investment and development activities. Additionally, the company offers education supporting; business and management consultancy services; and vocational and technical training services. It operates through a network of 18 colleges and universities across 10 countries. Raffles Education Corporation Limited was founded in 1990 and is based in Singapore.

Full RFLFY Calculator →

MOConsumer Staples

Altria is a Dividend King with 54+ consecutive years of dividend increases — one of the longest streaks in American corporate history. While cigarette volumes decline, pricing power and new product categories (oral nicotine pouches via NJOY) support cash flows. The near-9% yield is among the highest in the S&P 500.

Full MO 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.