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ZEN vs PM: Dividend Comparison 2026

ZEN yields 2.58% · PM yields 3.49%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 PM wins by $26.1K in total portfolio value
10 years
ZEN
ZEN
● Live price
2.58%
Share price
$77.48
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$23.5K
Annual income
$304.92
Full ZEN calculator →
PM
Philip Morris International
● Live price
3.49%
Share price
$164.83
Annual div
$5.76
5Y div CAGR
17.2%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$49.6K
Annual income
$2,502.61
Full PM calculator →

Portfolio growth — ZEN vs PM

📍 PM 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 PeriodZENPM
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, ZEN + PM cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

ZEN
Annual income on $10K today (after 15% tax)
$219.41/yr
After 10yr DRIP, annual income (after tax)
$259.18/yr
PM
Annual income on $10K today (after 15% tax)
$297.03/yr
After 10yr DRIP, annual income (after tax)
$2,127.22/yr
At 15% tax rate, PM beats the other by $1,868.04/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

ZEN: 50%PM: 50%
100% PM50/50100% ZEN
Portfolio after 10yr
$36.6K
Annual income
$1,403.77/yr
Blended yield
3.84%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on PM right now

ZEN
Analyst Ratings
12
Buy
18
Hold
Consensus: Hold
Price Target
$109.06
+40.8% upside vs current
Range: $77.50 — $170.00
PM
Analyst Ratings
17
Buy
7
Hold
1
Sell
Consensus: Buy
Price Target
$194.30
+17.9% 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)

ZEN buys
0
PM buys
0
No recent congressional trades found for ZEN or PM in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricZENPM
Forward yield2.58%3.49%
Annual dividend / share$2.00$5.76
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%17.2%
Portfolio after 10y$23.5K$49.6K
Annual income after 10y$304.92$2,502.61
Total dividends collected$2.8K$11.8K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples
Analyst consensusHoldBuy
Analyst price target$109.06$194.30

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

YearZEN PortfolioZEN Income/yrPM PortfolioPM Income/yrGap
1← crossover$10,958$258.13$11,650$409.56$692.00PM
2$11,990$264.36$13,592$497.49$1.6KPM
3$13,099$270.32$15,882$605.21$2.8KPM
4$14,292$276.01$18,589$737.41$4.3KPM
5$15,574$281.45$21,794$899.94$6.2KPM
6$16,951$286.63$25,597$1,100.16$8.6KPM
7$18,429$291.56$30,118$1,347.30$11.7KPM
8$20,015$296.25$35,505$1,652.97$15.5KPM
9$21,717$300.70$41,940$2,031.88$20.2KPM
10$23,542$304.92$49,643$2,502.61$26.1KPM

ZEN vs PM: Complete Analysis 2026

ZENStock

Zendesk, Inc., a software development company, provides software as a service solutions for organizations in the United States, Europe, the Middle East, Africa, the Asia Pacific, and internationally. Its flagship product is Zendesk Support, a system for tracking, prioritizing, and solving customer support tickets across various channels. The company also offers Zendesk Chat, a live chat and messaging software to connect with customers on websites and mobile devices applications; Zendesk Talk, a cloud-based call center software; Zendesk Guide, a knowledge base that powers customer self-service and support agent productivity; Zendesk Gather, a community forum software that allows customer end-users to connect and collaborate; Zendesk Explore, which provides analytics for organizations to measure and enhance the customer experience; and Zendesk Sell, a sales customer relationship management (CRM) product solution to enhance productivity, processes, and pipeline visibility. In addition, it provides Zendesk Sunshine, a CRM platform; Sunshine Conversations, a messaging platform solution; Zendesk Developer Tools, a combination of application programming interfaces, web widget, and mobile software development kits; Zendesk APIs that allow users to build custom integrations and interact with Zendesk data; and Zendesk Apps that enable organizations to customize Zendesk product and platform solution interfaces and optimize workflow through plug-ins, as well as Zendesk Suite, an omnichannel offering, which combines its solutions. The company was founded in 2007 and is headquartered in San Francisco, California.

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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.