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TERNF vs BTI: Dividend Comparison 2026

TERNF yields 3282.99% · BTI yields 5.38%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 TERNF wins by $1075402959448.71M in total portfolio value
10 years
TERNF
TERNF
● Live price
3282.99%
Share price
$0.06
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$1075402959448.75M
Annual income
$1,014,608,213,287,210,200.00
Full TERNF 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 — TERNF vs BTI

📍 TERNF 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 PeriodTERNFBTI
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%.
📅

Dividend Calendar Overlap

Combined, TERNF + BTI cover 0 of 12 months — good coverage

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

Tax Bracket Optimizer

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

TERNF
Annual income on $10K today (after 15% tax)
$279,054.50/yr
After 10yr DRIP, annual income (after tax)
$862,416,981,294,128,600.00/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, TERNF beats the other by $862,416,981,294,126,200.00/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

TERNF: 50%BTI: 50%
100% BTI50/50100% TERNF
Portfolio after 10yr
$537701479724.39M
Annual income
$507,304,106,643,606,500.00/yr
Blended yield
94.35%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

TERNF
No analyst data
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)

TERNF buys
0
BTI buys
0
No recent congressional trades found for TERNF or BTI in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricTERNFBTI
Forward yield3282.99% ✓5.38%
Annual dividend / share$2.00$3.15 ✓
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%11.3% ✓
Portfolio after 10y$1075402959448.75M ✓$37.7K
Annual income after 10y$1,014,608,213,287,210,200.00 ✓$2,786.64
Total dividends collected$1071219041409.57M ✓$14.3K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearTERNF PortfolioTERNF Income/yrBTI PortfolioBTI Income/yrGap
1← crossover$338,999$328,299.41$11,299$598.92+$327.7K → TERNF
2$10,763,973$10,401,243.52$12,794$703.91+$10.75M → TERNF
3$320,173,747$308,656,296.47$14,518$829.07+$320.16M → TERNF
4$8,922,925,709$8,580,339,799.29$16,513$978.64+$8922.91M → TERNF
5$233,029,385,430$223,481,854,921.49$18,827$1,157.84+$233029.37M → TERNF
6$5,703,928,810,280$5,454,587,367,869.43$21,518$1,373.12+$5703928.79M → TERNF
7$130,882,212,623,220$124,779,008,796,220.45$24,657$1,632.46+$130882212.60M → TERNF
8$2,815,909,500,284,071$2,675,865,532,777,225.00$28,329$1,945.74+$2815909500.26M → TERNF
9$56,817,519,777,139,680$53,804,496,611,835,720.00$32,637$2,325.33+$56817519777.11M → TERNF
10$1,075,402,959,448,749,800$1,014,608,213,287,210,200.00$37,708$2,786.64+$1075402959448.71M → TERNF

TERNF vs BTI: Complete Analysis 2026

TERNF — Stock

Tern Plc is a venture capital firm specializing in growth capital investment. The firm typically invests in the software companies having IoT security, Artificial Intelligence ("AI"), Machine Learning ("ML"), Virtual/Augmented Reality ("VR/AR") and Data Science, enablement and analytics solutions for the healthcare and industrial sectors. The firm primarily invest in companies based in United Kingdom. Tern Plc is based in London, the United Kingdom. Tern Plc formerly known as Silvermere Energy plc.

Full TERNF Calculator →

BTI — Consumer 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.