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VNRFY vs BTI: Dividend Comparison 2026

VNRFY yields 2.52% · BTI yields 5.38%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 VNRFY wins by $164.2K in total portfolio value· pulled ahead in Year 4
10 years
VNRFY
VNRFY
● Live price
2.52%
Share price
$13.88
Annual div
$0.35
5Y div CAGR
52.7%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$201.9K
Annual income
$94,717.59
Full VNRFY 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 — VNRFY vs BTI

📍 VNRFY 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 PeriodVNRFYBTI
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, VNRFY + BTI cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

VNRFY
Annual income on $10K today (after 15% tax)
$214.34/yr
After 10yr DRIP, annual income (after tax)
$80,509.95/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, VNRFY beats the other by $78,141.31/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

VNRFY: 50%BTI: 50%
100% BTI50/50100% VNRFY
Portfolio after 10yr
$119.8K
Annual income
$48,752.12/yr
Blended yield
40.69%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

VNRFY
No analyst data
Altman Z
0.4
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.
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

VNRFY buys
0
BTI buys
0
No recent congressional trades found for VNRFY or BTI in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricVNRFYBTI
Forward yield2.52%5.38%
Annual dividend / share$0.35$3.15
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR52.7%11.3%
Portfolio after 10y$201.9K$37.7K
Annual income after 10y$94,717.59$2,786.64
Total dividends collected$170.3K$14.3K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearVNRFY PortfolioVNRFY Income/yrBTI PortfolioBTI Income/yrGap
1$11,085$385.05$11,299$598.92$214.00BTI
2$12,470$609.13$12,794$703.91$324.00BTI
3$14,321$977.91$14,518$829.07$197.00BTI
4← crossover$16,926$1,602.71$16,513$978.64+$413.00VNRFY
5$20,814$2,703.31$18,827$1,157.84+$2.0KVNRFY
6$27,015$4,744.12$21,518$1,373.12+$5.5KVNRFY
7$37,694$8,787.40$24,657$1,632.46+$13.0KVNRFY
8$57,830$17,497.47$28,329$1,945.74+$29.5KVNRFY
9$100,188$38,310.00$32,637$2,325.33+$67.6KVNRFY
10$201,919$94,717.59$37,708$2,786.64+$164.2KVNRFY

VNRFY vs BTI: Complete Analysis 2026

VNRFYStock

Vienna Insurance Group AG, together with its subsidiaries, provides various insurance products and services in life, health, and property and casualty areas in Central and Eastern Europe. The company provides motor own damage, rail vehicle own damage, aircraft own damage, transport, fire and natural hazards, third party liability, carrier, aircraft liability, general liability, credit, guarantee, legal expenses, assistance, marine, aviation, and travel health insurance products, as well as sea, lake, and river shipping own damage insurance. It also offers reinsurance products and services. The company sells its products through sales employees, banks, brokers, and agents. It operates in Austria, the Czech Republic, Slovakia, Poland, Romania, the Baltic states, Hungary, Bulgaria, Turkey, Georgia, Albania, Kosovo, Bosnia-Herzegovina, Croatia, North Macedonia, Moldova, Serbia, Ukraine, Germany, and Liechtenstein. The company was founded in 1824 and is headquartered in Vienna, Austria. Vienna Insurance Group AG operates as a subsidiary of Wiener Stadtische Wechselseitiger Versicherungsverein - Vermögensverwaltung - Vienna Insurance Group.

Full VNRFY 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.