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RINIF vs MO: Dividend Comparison 2026

RINIF yields 2.89% · MO yields 6.27%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 RINIF wins by $347.88M in total portfolio value
10 years
RINIF
RINIF
● Live price
2.89%
Share price
$24.19
Annual div
$0.70
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$347.96M
Annual income
$326,292,786.43
Full RINIF calculator →
MO
Altria Group Inc.
● Live price
6.27%
Share price
$67.02
Annual div
$4.20
5Y div CAGR
22.6%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$77.7K
Annual income
$28,968.54
Full MO calculator →

Portfolio growth — RINIF vs MO

📍 RINIF 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 PeriodRINIFMO
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, RINIF + MO cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

RINIF
Annual income on $10K today (after 15% tax)
$245.93/yr
After 10yr DRIP, annual income (after tax)
$277,348,868.47/yr
MO
Annual income on $10K today (after 15% tax)
$532.68/yr
After 10yr DRIP, annual income (after tax)
$24,623.26/yr
At 15% tax rate, RINIF beats the other by $277,324,245.21/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

RINIF: 50%MO: 50%
100% MO50/50100% RINIF
Portfolio after 10yr
$174.02M
Annual income
$163,160,877.49/yr
Blended yield
93.76%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on MO right now

RINIF
No analyst data
Altman Z
4.8
Piotroski
4/9
MO
Analyst Ratings
16
Buy
9
Hold
1
Sell
Consensus: Buy
Price Target
$61.25
-8.6% 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)

RINIF buys
0
MO buys
11
PoliticianChamberTickerTypeAmountDate
Ro Khanna🏢 House$MO▲ Buy$1,000 - $15,0002025-08-04
Sheri Biggs🏢 House$MO▼ Sell$1,001 - $15,0002025-03-19
Pete Sessions🏢 House$MO▼ Sell$1,001 - $15,0002024-09-10
Ro Khanna🏢 House$MO▲ Buy$1,001 - $15,0002024-03-20
Ro Khanna🏢 House$MO▲ Buy$1,001 - $15,0002024-02-13
Virginia Foxx🏢 House$MO▼ Sell$1,001 - $15,0002024-01-16
Virginia Foxx🏢 House$MO▲ Buy$1,001 - $15,0002024-01-11
Ro Khanna🏢 House$MO▼ Sell$1,001 - $15,0002024-01-10
Ro Khanna🏢 House$MO▲ Buy$1,001 - $15,0002024-01-10
Virginia Foxx🏢 House$MO▼ Sell$15,001 - $50,0002024-01-10
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricRINIFMO
Forward yield2.89%6.27%
Annual dividend / share$0.70$4.20
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR100%22.6%
Portfolio after 10y$347.96M$77.7K
Annual income after 10y$326,292,786.43$28,968.54
Total dividends collected$346.34M$72.0K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearRINIF PortfolioRINIF Income/yrMO PortfolioMO Income/yrGap
1← crossover$11,279$578.66$10,558$768.31+$721.00RINIF
2$13,288$1,219.90$11,352$1,015.87+$1.9KRINIF
3$16,905$2,686.42$12,482$1,367.86+$4.4KRINIF
4$24,476$6,388.00$14,103$1,883.39+$10.4KRINIF
5$43,477$17,288.02$16,472$2,664.91+$27.0KRINIF
6$103,921$57,400.30$20,024$3,897.79+$83.9KRINIF
7$367,645$256,449.06$25,537$5,933.74+$342.1KRINIF
8$2,089,170$1,695,789.85$34,478$9,476.77+$2.05MRINIF
9$20,247,488$18,012,076.66$49,776$16,022.63+$20.20MRINIF
10$347,957,599$326,292,786.43$77,699$28,968.54+$347.88MRINIF

RINIF vs MO: Complete Analysis 2026

RINIFStock

Rinnai Corporation develops, manufactures, and sells heating products in Japan, the United States, Australia, China, South Korea, and Indonesia. The company offers water heaters, including hot-water units, bath hot-water units, hot-water and heating units, gas/solar hybrid hot-water and heating systems, etc.; kitchen appliances, such as tabletop stoves, built-in-stoves, ovens, range food, dishwashers and rice cookers, etc.; and air conditioning appliances comprising fan heaters, fan-forced heaters, infrared heaters, etc. It also provides commercial-use equipment comprising grills, gas stoves and rice cookers, etc.; and living room and dressing room products, as well as others, such as clothes dryers, infrared burners and parts, etc. The company offers its products under the Rinnai brand name. The company was formerly known as Rinnai & Co. and changed its name to Rinnai Corporation in 1971. Rinnai Corporation was incorporated in 1920 and is headquartered in Nagoya, Japan.

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MOConsumer Staples

Altria Group, Inc., through its subsidiaries, manufactures and sells smokeable and oral tobacco products in the United States. The company provides cigarettes primarily under the Marlboro brand; cigars and pipe tobacco principally under the Black & Mild brand; and moist smokeless tobacco products under the Copenhagen, Skoal, Red Seal, and Husky brands, as well as provides on! oral nicotine pouches. It sells its tobacco products primarily to wholesalers, including distributors; and large retail organizations, such as chain stores. Altria Group, Inc. was founded in 1822 and is headquartered in Richmond, Virginia.

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.