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HFC vs PM: Dividend Comparison 2026

HFC yields 60.88% · PM yields 3.49%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 PM wins by $17.6K in total portfolio value· pulled ahead in Year 6
10 years
HFC
HFC
● Live price
60.88%
Share price
$36.39
Annual div
$22.15
5Y div CAGR
-50%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$32.1K
Annual income
$9.69
Full HFC 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 — HFC vs PM

📍 PM pulled ahead of the other in Year 6

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 PeriodHFCPM
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, HFC + PM cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

HFC
Annual income on $10K today (after 15% tax)
$5,174.38/yr
After 10yr DRIP, annual income (after tax)
$8.24/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 $2,118.98/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

HFC: 50%PM: 50%
100% PM50/50100% HFC
Portfolio after 10yr
$40.9K
Annual income
$1,256.16/yr
Blended yield
3.07%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on PM right now

HFC
Analyst Ratings
13
Buy
11
Hold
3
Sell
Consensus: Buy
Price Target
$36.67
+0.8% upside vs current
Range: $31.00 — $44.00
Altman Z
2.9
Piotroski
5/9
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)

HFC buys
0
PM buys
5
PoliticianChamberTickerTypeAmountDate
Julia Letlow🏢 House$PM▼ Sell$1,001 - $15,0002026-02-05
Julie Johnson🏢 House$PM▼ Sell$1,001 - $15,0002025-12-18
Julie Johnson🏢 House$PM▼ Sell$1,001 - $15,0002025-11-13
Ro Khanna🏢 House$PM▼ Sell$1,001 - $15,0002025-10-30
Ro Khanna🏢 House$PM▼ Sell$1,001 - $15,0002025-10-30
Ro Khanna🏢 House$PM▲ Buy$1,001 - $15,0002025-09-29
Ro Khanna🏢 House$PM▲ Buy$15,001 - $50,0002025-09-05
Ro Khanna🏢 House$PM▲ Buy$15,001 - $50,0002025-08-26
Julie Johnson🏢 House$PM▼ Sell$1,001 - $15,0002025-08-14
Julie Johnson🏢 House$PM▼ Sell$1,001 - $15,0002025-07-22
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricHFCPM
Forward yield60.88%3.49%
Annual dividend / share$22.15$5.76
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR-50%17.2%
Portfolio after 10y$32.1K$49.6K
Annual income after 10y$9.69$2,502.61
Total dividends collected$7.3K$11.8K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples
Analyst consensusBuyBuy
Analyst price target$36.67$194.30

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

YearHFC PortfolioHFC Income/yrPM PortfolioPM Income/yrGap
1$13,744$3,043.76$11,650$409.56+$2.1KHFC
2$16,661$1,954.80$13,592$497.49+$3.1KHFC
3$18,934$1,107.32$15,882$605.21+$3.1KHFC
4$20,848$588.05$18,589$737.41+$2.3KHFC
5$22,610$302.56$21,794$899.94+$816.00HFC
6← crossover$24,346$153.33$25,597$1,100.16$1.3KPM
7$26,127$77.15$30,118$1,347.30$4.0KPM
8$27,994$38.69$35,505$1,652.97$7.5KPM
9$29,973$19.37$41,940$2,031.88$12.0KPM
10$32,081$9.69$49,643$2,502.61$17.6KPM

HFC vs PM: Complete Analysis 2026

HFCStock

HollyFrontier Corporation operates as an independent petroleum refiner and marketer in the United States. The company operates through three segments: Refining, Lubricants and Specialty Products, and HEP. It primarily produces high-value light products, such as gasoline, diesel and jet fuel, and specialty lubricant products, as well as specialty and modified asphalt. The company offers its products to other refiners, convenience store chains, independent marketers, liquid petroleum gases and other retailers, truck stop chains, wholesalers, railroads, governmental entities, and paving contractors or manufacturers, as well as for commercial airline use. It owns and operates five refineries with a combined crude oil processing capacity of approximately 554,000 barrels per day in El Dorado, Kansas; Tulsa, Oklahoma; Anacortes, Washington; Artesia, New Mexico; and Woods Cross, Utah. The company also owns and operates vacuum distillation and other facilities in Lovington, New Mexico, as well as asphalt terminals in Arizona, New Mexico, and Oklahoma. Its refineries serve markets in the Mid-Continent, Southwest, and Rocky Mountain regions of the United States. In addition, the company produces base oils and other specialized lubricant products; and owns and operates logistic assets consisting of petroleum product and crude oil pipelines, terminals, tankage, loading rack facilities, and refinery processing units. The company was formerly known as Holly Corporation and changed its name to HollyFrontier Corporation as a result of its merger with Frontier Oil Corporation in July 2011. HollyFrontier Corporation was incorporated in 1947 and is headquartered in Dallas, Texas.

Full HFC 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.