HomeCompareHCMLF vs PM

HCMLF vs PM: Dividend Comparison 2026

HCMLF yields 4.57% · PM yields 3.48%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 HCMLF wins by $1.13M in total portfolio value· pulled ahead in Year 3
10 years
HCMLF
HCMLF
● Live price
4.57%
Share price
$81.00
Annual div
$3.70
5Y div CAGR
55.2%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$1.18M
Annual income
$770,288.60
Full HCMLF 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 — HCMLF vs PM

📍 HCMLF pulled ahead of the other in Year 3

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 PeriodHCMLFPM
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, HCMLF + PM cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

HCMLF
Annual income on $10K today (after 15% tax)
$388.38/yr
After 10yr DRIP, annual income (after tax)
$654,745.31/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, HCMLF beats the other by $652,627.09/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

HCMLF: 50%PM: 50%
100% PM50/50100% HCMLF
Portfolio after 10yr
$614.4K
Annual income
$386,390.31/yr
Blended yield
62.88%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on PM right now

HCMLF
No analyst data
Altman Z
3.2
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)

HCMLF buys
0
PM buys
0
No recent congressional trades found for HCMLF or PM in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricHCMLFPM
Forward yield4.57%3.48%
Annual dividend / share$3.70$5.76
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR55.2%17.2%
Portfolio after 10y$1.18M$49.6K
Annual income after 10y$770,288.60$2,492.02
Total dividends collected$1.12M$11.7K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearHCMLF PortfolioHCMLF Income/yrPM PortfolioPM Income/yrGap
1$11,409$709.13$11,648$408.29$239.00PM
2$13,381$1,173.51$13,589$495.90$208.00PM
3← crossover$16,314$1,996.36$15,877$603.21+$437.00HCMLF
4$20,987$3,530.36$18,580$734.88+$2.4KHCMLF
5$29,043$6,587.21$21,781$896.75+$7.3KHCMLF
6$44,298$13,222.28$25,578$1,096.12+$18.7KHCMLF
7$76,651$29,252.30$30,092$1,342.17+$46.6KHCMLF
8$155,435$73,417.85$35,470$1,646.46+$120.0KHCMLF
9$382,258$215,942.35$41,892$2,023.58+$340.4KHCMLF
10$1,179,304$770,288.60$49,578$2,492.02+$1.13MHCMLF

HCMLF vs PM: Complete Analysis 2026

HCMLFStock

Holcim Ltd, together with its subsidiaries, operates as a building materials and solutions company in the Asia Pacific, Europe, Latin America, the Middle East, Africa, and North America. It operates through four segments: Cement, Aggregates, Ready-mix Concrete, and Solutions & Products. The company offers cement, hydraulic binders, clinker, and other cementitious materials; aggregates, such as crushed stone, gravel, and sand; and ready-mix concrete, precast concrete products, asphalts, and mortars. In addition, it engages in the provision of contracting and other services; and retail activities, as well as waste management services. Its products are used in infrastructure projects, such as roads, mines, ports, dams, data centers, stadiums, wind farms, and electric power plants; building projects comprising individual housing, collective housing, office buildings, industrial and commercial buildings, and public buildings; and affordable housing. The company was formerly known as LafargeHolcim Ltd and changed its name to Holcim Ltd in May 2021. Holcim Ltd was founded in 1833 and is headquartered in Zug, Switzerland.

Full HCMLF 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.