HomeCompareVNRFY vs PM

VNRFY vs PM: Dividend Comparison 2026

VNRFY yields 2.52% · PM yields 3.48%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 VNRFY wins by $152.3K in total portfolio value· pulled ahead in Year 6
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 →
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 — VNRFY vs PM

📍 VNRFY pulled ahead of the other in Year 6

Annual dividend income

🛡️

Recession Test — Did They Cut Dividends?

How each stock treated shareholders during the 3 biggest crises of the last 20 years

Crisis PeriodVNRFYPM
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, VNRFY + PM cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
VNRFY pays
PM 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
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, VNRFY beats the other by $78,391.73/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

VNRFY: 50%PM: 50%
100% PM50/50100% VNRFY
Portfolio after 10yr
$125.7K
Annual income
$48,604.81/yr
Blended yield
38.65%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on PM right now

VNRFY
No analyst data
Altman Z
0.4
Piotroski
6/9
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)

VNRFY buys
0
PM buys
0
No recent congressional trades found for VNRFY or PM in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricVNRFYPM
Forward yield2.52%3.48%
Annual dividend / share$0.35$5.76
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR52.7%17.2%
Portfolio after 10y$201.9K$49.6K
Annual income after 10y$94,717.59$2,492.02
Total dividends collected$170.3K$11.7K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearVNRFY PortfolioVNRFY Income/yrPM PortfolioPM Income/yrGap
1$11,085$385.05$11,648$408.29$563.00PM
2$12,470$609.13$13,589$495.90$1.1KPM
3$14,321$977.91$15,877$603.21$1.6KPM
4$16,926$1,602.71$18,580$734.88$1.7KPM
5$20,814$2,703.31$21,781$896.75$967.00PM
6← crossover$27,015$4,744.12$25,578$1,096.12+$1.4KVNRFY
7$37,694$8,787.40$30,092$1,342.17+$7.6KVNRFY
8$57,830$17,497.47$35,470$1,646.46+$22.4KVNRFY
9$100,188$38,310.00$41,892$2,023.58+$58.3KVNRFY
10$201,919$94,717.59$49,578$2,492.02+$152.3KVNRFY

VNRFY vs PM: 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 →

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.