HomeCompareXRPC vs BTI

XRPC vs BTI: Dividend Comparison 2026

XRPC yields 13.99% · BTI yields 5.38%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 XRPC wins by $12.4K in total portfolio value
10 years
XRPC
XRPC
● Live price
13.99%
Share price
$14.30
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$50.1K
Annual income
$3,327.79
Full XRPC 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 — XRPC vs BTI

📍 XRPC 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 PeriodXRPCBTI
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, XRPC + BTI cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
XRPC 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.

XRPC
Annual income on $10K today (after 15% tax)
$1,188.81/yr
After 10yr DRIP, annual income (after tax)
$2,828.62/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, XRPC beats the other by $459.98/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

XRPC: 50%BTI: 50%
100% BTI50/50100% XRPC
Portfolio after 10yr
$43.9K
Annual income
$3,057.22/yr
Blended yield
6.96%
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Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

XRPC
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)

XRPC buys
0
BTI buys
0
No recent congressional trades found for XRPC or BTI in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricXRPCBTI
Forward yield13.99%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$50.1K$37.7K
Annual income after 10y$3,327.79$2,786.64
Total dividends collected$23.2K$14.3K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearXRPC PortfolioXRPC Income/yrBTI PortfolioBTI Income/yrGap
1← crossover$12,099$1,398.60$11,299$598.92+$800.00XRPC
2$14,527$1,581.41$12,794$703.91+$1.7KXRPC
3$17,318$1,774.60$14,518$829.07+$2.8KXRPC
4$20,508$1,977.20$16,513$978.64+$4.0KXRPC
5$24,132$2,188.16$18,827$1,157.84+$5.3KXRPC
6$28,227$2,406.36$21,518$1,373.12+$6.7KXRPC
7$32,834$2,630.62$24,657$1,632.46+$8.2KXRPC
8$37,992$2,859.75$28,329$1,945.74+$9.7KXRPC
9$43,744$3,092.53$32,637$2,325.33+$11.1KXRPC
10$50,134$3,327.79$37,708$2,786.64+$12.4KXRPC

XRPC vs BTI: Complete Analysis 2026

XRPCStock

XRPC seeks to provide direct exposure to the price of XRP, a decentralized digital asset designed for real-time payment and settlement via the XRP Ledger. All XRP tokens were created at launch in 2012. The calculation of the funds NAV is based on a benchmark provided by CoinDesk Indices, aggregating prices from major XRP trading platforms. XRP held by the Trust is stored at Gemini and BitGo, both private custodians insured by non-FDIC carriers. Unlike stocks or bonds, XRP ownership confers no company profits or income, and is only recorded on a decentralized ledger. The ETF advantage for investors is that they can access the market performance of XRP through their regular brokerage accounts, without needing to hold XRP directly or face related risks. The Trust does not use derivatives, loans, or leverage. The XRP Ledger uses a low-energy, consensus-based mechanism rather than mining, enabling fast, low-cost cross-border transactions.

Full XRPC 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.