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TERCF vs PEP: Dividend Comparison 2026

TERCF yields 43.73% · PEP yields 3.63%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 TERCF wins by $6.47M in total portfolio value
10 years
TERCF
TERCF
● Live price
43.73%
Share price
$0.07
Annual div
$0.03
5Y div CAGR
18.6%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$6.62M
Annual income
$3,641,629.77
Full TERCF calculator →
PEP
PepsiCo Inc.
● Live price
3.63%
Share price
$156.82
Annual div
$5.69
5Y div CAGR
40.4%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$141.9K
Annual income
$61,875.67
Full PEP calculator →

Portfolio growth — TERCF vs PEP

📍 TERCF 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 PeriodTERCFPEP
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, TERCF + PEP cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

TERCF
Annual income on $10K today (after 15% tax)
$3,717.20/yr
After 10yr DRIP, annual income (after tax)
$3,095,385.30/yr
PEP
Annual income on $10K today (after 15% tax)
$308.41/yr
After 10yr DRIP, annual income (after tax)
$52,594.32/yr
At 15% tax rate, TERCF beats the other by $3,042,790.99/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of TERCF + PEP for your $10,000?

TERCF: 50%PEP: 50%
100% PEP50/50100% TERCF
Portfolio after 10yr
$3.38M
Annual income
$1,851,752.73/yr
Blended yield
54.80%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on PEP right now

TERCF
No analyst data
Altman Z
-0.4
Piotroski
2/9
PEP
Analyst Ratings
1
Strong
15
Buy
27
Hold
1
Sell
Consensus: Hold
Price Target
$172.43
+10.0% upside vs current
Range: $156.00 — $191.00
Altman Z
3.6
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)

TERCF buys
0
PEP buys
0
No recent congressional trades found for TERCF or PEP in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricTERCFPEP
Forward yield43.73%3.63%
Annual dividend / share$0.03$5.69
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR18.6%40.4%
Portfolio after 10y$6.62M$141.9K
Annual income after 10y$3,641,629.77$61,875.67
Total dividends collected$6.24M$123.0K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

Year-by-year: TERCF vs PEP ($10,000, DRIP)

YearTERCF PortfolioTERCF Income/yrPEP PortfolioPEP Income/yrGap
1← crossover$15,887$5,186.59$10,849$509.42+$5.0KTERCF
2$26,132$9,133.00$11,969$750.47+$14.2KTERCF
3$44,612$16,651.39$13,500$1,124.14+$31.1KTERCF
4$79,244$31,509.30$15,680$1,721.66+$63.6KTERCF
5$146,829$62,037.47$18,929$2,715.34+$127.9KTERCF
6$284,515$127,408.44$24,023$4,450.80+$260.5KTERCF
7$578,080$273,648.56$32,510$7,669.92+$545.6KTERCF
8$1,234,823$616,277.38$47,709$14,093.60+$1.19MTERCF
9$2,780,390$1,459,129.57$77,415$28,083.48+$2.70MTERCF
10$6,616,647$3,641,629.77$141,922$61,875.67+$6.47MTERCF

TERCF vs PEP: Complete Analysis 2026

TERCFStock

TerraCom Limited engages in the exploration and extraction of coal in Australia and South Africa. The company explores for hard and soft coking, thermal, and PCI coal. Its flagship property is the Blair Athol coal mine located in Clermont, Queensland. The company also holds interests in the Northern Galilee project comprising the Hughenden and the Pentland properties covering an area of approximately 2,160 square kilometers; the Clyde Park project that covers an area of approximately 133 square kilometers located in the Galilee Basin, Queensland; and the Springsure project covering an area of approximately 1,178 square kilometers located in the Central-Western Bowen basin coal mining district, Queensland. In addition, it holds interests in the Kangala Colliery property; the New Clydesdale Colliery project; the Berenice project; the Ubuntu Colliery; the North Block Complex Colliery project; the Arnot South; the Cygnus project; and the Eloff project located in South Africa. The company was formerly known as Guildford Coal Limited and changed its name to TerraCom Limited in November 2015. TerraCom Limited was founded in 2009 and is based in Clermont, Australia.

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PEPConsumer Staples

PepsiCo, Inc. manufactures, markets, distributes, and sells various beverages and convenient foods worldwide. The company operates through seven segments: Frito-Lay North America; Quaker Foods North America; PepsiCo Beverages North America; Latin America; Europe; Africa, Middle East and South Asia; and Asia Pacific, Australia and New Zealand and China Region. It provides dips, cheese-flavored snacks, and spreads, as well as corn, potato, and tortilla chips; cereals, rice, pasta, mixes and syrups, granola bars, grits, oatmeal, rice cakes, simply granola, and side dishes; beverage concentrates, fountain syrups, and finished goods; ready-to-drink tea, coffee, and juices; dairy products; and sparkling water makers and related products. It serves wholesale and other distributors, foodservice customers, grocery stores, drug stores, convenience stores, discount/dollar stores, mass merchandisers, membership stores, hard discounters, e-commerce retailers and authorized independent bottlers, and others through a network of direct-store-delivery, customer warehouse, and distributor networks, as well as directly to consumers through e-commerce platforms and retailers. The company was founded in 1898 and is headquartered in Purchase, New York.

Full PEP 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.