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UNPSF vs BTI: Dividend Comparison 2026

UNPSF yields 6.74% · BTI yields 5.38%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 UNPSF wins by $135.1K in total portfolio value
10 years
UNPSF
UNPSF
● Live price
6.74%
Share price
$0.89
Annual div
$0.06
5Y div CAGR
31.7%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$172.9K
Annual income
$60,435.04
Full UNPSF 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 — UNPSF vs BTI

📍 UNPSF 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 PeriodUNPSFBTI
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, UNPSF + BTI cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
UNPSF pays
BTI pays
Both pay
Neither
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Tax Bracket Optimizer

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

UNPSF
Annual income on $10K today (after 15% tax)
$572.61/yr
After 10yr DRIP, annual income (after tax)
$51,369.78/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, UNPSF beats the other by $49,001.14/year in after-tax income after 10 years on $10,000
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Lazy Portfolio Split Optimizer

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

UNPSF: 50%BTI: 50%
100% BTI50/50100% UNPSF
Portfolio after 10yr
$105.3K
Annual income
$31,610.84/yr
Blended yield
30.03%
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Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

UNPSF
Analyst Ratings
1
Sell
Consensus: Sell
Altman Z
4.8
Piotroski
6/9
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.
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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

UNPSF buys
0
BTI buys
0
No recent congressional trades found for UNPSF or BTI in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricUNPSFBTI
Forward yield6.74%5.38%
Annual dividend / share$0.06$3.15
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR31.7%11.3%
Portfolio after 10y$172.9K$37.7K
Annual income after 10y$60,435.04$2,786.64
Total dividends collected$138.2K$14.3K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples
Analyst consensusSellBuy

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

YearUNPSF PortfolioUNPSF Income/yrBTI PortfolioBTI Income/yrGap
1← crossover$11,587$887.21$11,299$598.92+$288.00UNPSF
2$13,664$1,265.35$12,794$703.91+$870.00UNPSF
3$16,457$1,836.54$14,518$829.07+$1.9KUNPSF
4$20,331$2,722.55$16,513$978.64+$3.8KUNPSF
5$25,894$4,139.99$18,827$1,157.84+$7.1KUNPSF
6$34,197$6,489.98$21,518$1,373.12+$12.7KUNPSF
7$47,140$10,549.39$24,657$1,632.46+$22.5KUNPSF
8$68,339$17,899.17$28,329$1,945.74+$40.0KUNPSF
9$105,061$31,938.42$32,637$2,325.33+$72.4KUNPSF
10$172,851$60,435.04$37,708$2,786.64+$135.1KUNPSF

UNPSF vs BTI: Complete Analysis 2026

UNPSFStock

Uni-President China Holdings Ltd., an investment holding company, manufactures, sells, and trades in beverages and food in the People's Republic of China. The company operates through Beverages, Food, and Others segments. It offers instant noodles, tea drinks, juices, milk tea, coffee, bottled water, and bottle can drinks. The company also engages in the wholesale of pre-packaged food and dairy products, and forage and fertilizers, as well as manufactures and sells mineral water and seasonings. In addition, it is involved in trading, leasing, real estate, catering, and management consulting, as well as human resource management related activities. The company was founded in 1992 and is headquartered in Shanghai, China. Uni-President China Holdings Ltd. is a subsidiary of Cayman President Holdings Ltd.

Full UNPSF 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.