HomeCompareSPNS vs BTI

SPNS vs BTI: Dividend Comparison 2026

SPNS yields 1.38% · BTI yields 5.40%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 SPNS wins by $14.31M in total portfolio value· pulled ahead in Year 4
10 years
SPNS
SPNS
● Live price
1.38%
Share price
$43.45
Annual div
$0.60
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$14.35M
Annual income
$12,597,114.97
Full SPNS calculator →
BTI
BTI
● Live price
5.40%
Share price
$58.26
Annual div
$3.15
5Y div CAGR
11.3%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$37.8K
Annual income
$2,802.29
Full BTI calculator →

Portfolio growth — SPNS vs BTI

📍 SPNS pulled ahead of the other in Year 4

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 PeriodSPNSBTI
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, SPNS + BTI cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

SPNS
Annual income on $10K today (after 15% tax)
$117.38/yr
After 10yr DRIP, annual income (after tax)
$10,707,547.72/yr
BTI
Annual income on $10K today (after 15% tax)
$459.05/yr
After 10yr DRIP, annual income (after tax)
$2,381.95/yr
At 15% tax rate, SPNS beats the other by $10,705,165.78/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

SPNS: 50%BTI: 50%
100% BTI50/50100% SPNS
Portfolio after 10yr
$7.19M
Annual income
$6,299,958.63/yr
Blended yield
87.58%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

SPNS
Analyst Ratings
4
Buy
5
Hold
1
Sell
Consensus: Hold
Price Target
$38.00
-12.5% upside vs current
Range: $38.00 — $38.00
Altman Z
8.0
Piotroski
6/9
BTI
Analyst Ratings
12
Buy
4
Hold
2
Sell
Consensus: Buy
Price Target
$40.00
-31.3% 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)

SPNS buys
0
BTI buys
0
No recent congressional trades found for SPNS or BTI in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSPNSBTI
Forward yield1.38%5.40%
Annual dividend / share$0.60$3.15
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR100%11.3%
Portfolio after 10y$14.35M$37.8K
Annual income after 10y$12,597,114.97$2,802.29
Total dividends collected$14.19M$14.4K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples
Analyst consensusHoldBuy
Analyst price target$38.00$40.00

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

YearSPNS PortfolioSPNS Income/yrBTI PortfolioBTI Income/yrGap
1$10,976$276.18$11,301$601.08$325.00BTI
2$12,311$566.62$12,799$706.58$488.00BTI
3$14,361$1,187.91$14,527$832.38$166.00BTI
4← crossover$17,956$2,590.06$16,527$982.75+$1.4KSPNS
5$25,266$6,053.25$18,846$1,162.95+$6.4KSPNS
6$42,956$15,920.78$21,545$1,379.49+$21.4KSPNS
7$96,556$50,592.94$24,694$1,640.41+$71.9KSPNS
8$315,880$212,565.27$28,378$1,955.69+$287.5KSPNS
9$1,637,811$1,299,819.25$32,702$2,337.79+$1.61MSPNS
10$14,349,572$12,597,114.97$37,794$2,802.29+$14.31MSPNS

SPNS vs BTI: Complete Analysis 2026

SPNSStock

Sapiens International Corporation N.V. provides software solutions for the insurance and financial services industries in North America, the European Union, the United Kingdom, Israel, and internationally. The company offers Sapiens CoreSuite and Sapiens IDITSuite for personal, commercial, and specialty lines; and Sapiens CoreSuite, Sapiens UnderwritingPro, Sapiens ApplicationPro, Sapiens IllustrationPro, and Sapiens ConsolidationMaster for life, pension, and annuities. It also provides Sapiens DigitalSuite for customers, agents, brokers, risk managers, customer groups and third-party service providers; Sapiens ReinsuranceMaster and Sapiens ReinsurancePro reinsurance solutions; and Sapiens Platform, Sapiens CoreSuite, Sapiens PolicyPro, and Sapiens ClaimsPro, as well as Sapiens PolicyGo, and Sapiens ClaimsGo for workers' compensation. In addition, the company offers financial and compliance solutions, which comprise Sapiens FinancialPro, Sapiens Financial GO, Sapiens StatementPro, Sapiens CheckPro, and Sapiens Reporting Tools; and Sapiens Decision, an enterprise-scale platform that enables institutions to centrally author, store, and manage various organizational business logics. Further, it provides tailor-made solutions based on its Sapiens eMerge platform; and program delivery, business, and managed services. The company markets and sells its products and services through direct and partner sales. Sapiens International Corporation N.V. was founded in 1982 and is headquartered in Holon, Israel.

Full SPNS 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.