HomeCompareXRPC vs PM

XRPC vs PM: Dividend Comparison 2026

XRPC yields 13.99% · PM yields 3.48%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 XRPC wins by $556.00 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 →
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 — XRPC vs PM

📍 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 PeriodXRPCPM
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 + PM cover 0 of 12 monthsgood coverage

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

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
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, XRPC beats the other by $710.40/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

XRPC: 50%PM: 50%
100% PM50/50100% XRPC
Portfolio after 10yr
$49.9K
Annual income
$2,909.91/yr
Blended yield
5.84%
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Analyst Conviction Gap

Where Wall Street is most bullish on PM right now

XRPC
No analyst data
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)

XRPC buys
0
PM buys
0
No recent congressional trades found for XRPC or PM in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricXRPCPM
Forward yield13.99%3.48%
Annual dividend / share$2.00$5.76
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%17.2%
Portfolio after 10y$50.1K$49.6K
Annual income after 10y$3,327.79$2,492.02
Total dividends collected$23.2K$11.7K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearXRPC PortfolioXRPC Income/yrPM PortfolioPM Income/yrGap
1← crossover$12,099$1,398.60$11,648$408.29+$451.00XRPC
2$14,527$1,581.41$13,589$495.90+$938.00XRPC
3$17,318$1,774.60$15,877$603.21+$1.4KXRPC
4$20,508$1,977.20$18,580$734.88+$1.9KXRPC
5$24,132$2,188.16$21,781$896.75+$2.4KXRPC
6$28,227$2,406.36$25,578$1,096.12+$2.6KXRPC
7$32,834$2,630.62$30,092$1,342.17+$2.7KXRPC
8$37,992$2,859.75$35,470$1,646.46+$2.5KXRPC
9$43,744$3,092.53$41,892$2,023.58+$1.9KXRPC
10$50,134$3,327.79$49,578$2,492.02+$556.00XRPC

XRPC vs PM: 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 →

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.

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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.