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TMNSF vs PM: Dividend Comparison 2026

TMNSF yields 1.67% · PM yields 3.48%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 TMNSF wins by $1.51M in total portfolio value· pulled ahead in Year 5
10 years
TMNSF
TMNSF
● Live price
1.67%
Share price
$92.25
Annual div
$1.55
5Y div CAGR
79.4%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$1.56M
Annual income
$1,166,441.21
Full TMNSF calculator →
PM
Philip Morris International
● Live price
3.48%
Share price
$165.34
Annual div
$5.76
5Y div CAGR
17.2%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$49.6K
Annual income
$2,492.02
Full PM calculator →

Portfolio growth — TMNSF vs PM

📍 TMNSF pulled ahead of the other in Year 5

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 PeriodTMNSFPM
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, TMNSF + PM cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

TMNSF
Annual income on $10K today (after 15% tax)
$142.36/yr
After 10yr DRIP, annual income (after tax)
$991,475.03/yr
PM
Annual income on $10K today (after 15% tax)
$296.12/yr
After 10yr DRIP, annual income (after tax)
$2,118.22/yr
At 15% tax rate, TMNSF beats the other by $989,356.81/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of TMNSF + PM for your $10,000?

TMNSF: 50%PM: 50%
100% PM50/50100% TMNSF
Portfolio after 10yr
$806.4K
Annual income
$584,466.61/yr
Blended yield
72.48%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on PM right now

TMNSF
Analyst Ratings
1
Buy
Consensus: Buy
Altman Z
4.1
Piotroski
7/9
PM
Analyst Ratings
17
Buy
7
Hold
1
Sell
Consensus: Buy
Price Target
$194.30
+17.5% upside vs current
Range: $180.00 — $205.00
Altman Z
4.0
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)

TMNSF buys
0
PM buys
0
No recent congressional trades found for TMNSF or PM in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricTMNSFPM
Forward yield1.67%3.48%
Annual dividend / share$1.55$5.76
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR79.4%17.2%
Portfolio after 10y$1.56M$49.6K
Annual income after 10y$1,166,441.21$2,492.02
Total dividends collected$1.51M$11.7K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples
Analyst consensusBuyBuy

Year-by-year: TMNSF vs PM ($10,000, DRIP)

YearTMNSF PortfolioTMNSF Income/yrPM PortfolioPM Income/yrGap
1$11,000$300.46$11,648$408.29$648.00PM
2$12,325$554.16$13,589$495.90$1.3KPM
3$14,228$1,040.97$15,877$603.21$1.6KPM
4$17,239$2,014.91$18,580$734.88$1.3KPM
5← crossover$22,539$4,093.14$21,781$896.75+$758.00TMNSF
6$33,089$8,972.53$25,578$1,096.12+$7.5KTMNSF
7$57,491$22,085.40$30,092$1,342.17+$27.4KTMNSF
8$125,852$64,336.19$35,470$1,646.46+$90.4KTMNSF
9$370,792$236,130.78$41,892$2,023.58+$328.9KTMNSF
10$1,563,189$1,166,441.21$49,578$2,492.02+$1.51MTMNSF

TMNSF vs PM: Complete Analysis 2026

TMNSFStock

Temenos AG develops, markets, and sells integrated banking software systems to banking and other financial institutions worldwide. The company provides Temenos Transact, a banking solution that offers banking software, and data and analytics; and Temenos Payments, a payment solution that gives banks real-time control, customer service experience, and cost efficiencies and risk management solutions. It also offers Temenos Infinity, a digital banking product; Temenos Multifonds, a fund administration solution; Temenos SaaS solution that supports banks in various sectors and geographies; Temenos Quantum, a multi-experience development platform that delivers digital transformation; and Temenos AI that provides frictionless customer experiences and automate processes. In addition, the company provides Temenos Financial Crime Mitigation that allows banks and financial institutions to avoid regulatory fines, detect fraud, and mitigate reputational risks; Temenos Analytics, a reporting, analytics, and business intelligence product; and Temenos Regulatory Compliance, which is used to address fraud, remain compliant with regulations, and manage risk. Further, it offers retail and private banking, corporate and business banking, Islamic banking, wealth management, financial inclusion, mobile banking, consultancy and training services, and support services. Additionally, the company provides Temenos Developer Community, an open API catalogue that brings standardized out-of-the-box APIs to fast track innovation with online support and resources. The company was formerly known as Temenos Group AG and changed its name to Temenos AG in May 2018. Temenos AG was founded in 1993 and is headquartered in Geneva, Switzerland.

Full TMNSF Calculator →

PMConsumer Staples

Philip Morris International Inc. operates as a tobacco company working to delivers a smoke-free future and evolving portfolio for the long-term to include products outside of the tobacco and nicotine sector. The company's product portfolio primarily consists of cigarettes and smoke-free products, including heat-not-burn, vapor, and oral nicotine products that are sold in markets outside the United States. The company offers its smoke-free products under the HEETS, HEETS Creations, HEETS Dimensions, HEETS Marlboro, HEETS FROM MARLBORO, Marlboro Dimensions, Marlboro HeatSticks, Parliament HeatSticks, and TEREA brands, as well as the KT&G-licensed brands, Fiit, and Miix. It also sells its products under the Marlboro, Parliament, Bond Street, Chesterfield, L&M, Lark, and Philip Morris brands. In addition, the company owns various cigarette brands, such as Dji Sam Soe, Sampoerna A, and Sampoerna U in Indonesia; and Fortune and Jackpot in the Philippines. The company sells its smoke-free products in 71 markets. Philip Morris International Inc. was incorporated in 1987 and is headquartered in New York, New York.

Full PM 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.