HomeCompareHLFN vs PM

HLFN vs PM: Dividend Comparison 2026

HLFN yields 5.10% · PM yields 3.48%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 PM wins by $7.5K in total portfolio value
10 years
HLFN
HLFN
● Live price
5.10%
Share price
$41.18
Annual div
$2.10
5Y div CAGR
15.4%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$42.1K
Annual income
$4,120.43
Full HLFN 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 — HLFN 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 PeriodHLFNPM
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, HLFN + PM cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

HLFN
Annual income on $10K today (after 15% tax)
$433.46/yr
After 10yr DRIP, annual income (after tax)
$3,502.37/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, HLFN beats the other by $1,384.15/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

HLFN: 50%PM: 50%
100% PM50/50100% HLFN
Portfolio after 10yr
$45.8K
Annual income
$3,306.22/yr
Blended yield
7.22%
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Analyst Conviction Gap

Where Wall Street is most bullish on PM right now

HLFN
No analyst data
Altman Z
-0.5
Piotroski
5/9
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)

HLFN buys
0
PM buys
0
No recent congressional trades found for HLFN or PM in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricHLFNPM
Forward yield5.10%3.48%
Annual dividend / share$2.10$5.76
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR15.4%17.2%
Portfolio after 10y$42.1K$49.6K
Annual income after 10y$4,120.43$2,492.02
Total dividends collected$18.2K$11.7K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearHLFN PortfolioHLFN Income/yrPM PortfolioPM Income/yrGap
1← crossover$11,288$588.49$11,648$408.29$360.00PM
2$12,795$716.47$13,589$495.90$794.00PM
3$14,567$875.85$15,877$603.21$1.3KPM
4$16,662$1,075.39$18,580$734.88$1.9KPM
5$19,155$1,326.62$21,781$896.75$2.6KPM
6$22,140$1,644.84$25,578$1,096.12$3.4KPM
7$25,741$2,050.48$30,092$1,342.17$4.4KPM
8$30,114$2,571.06$35,470$1,646.46$5.4KPM
9$35,465$3,243.97$41,892$2,023.58$6.4KPM
10$42,068$4,120.43$49,578$2,492.02$7.5KPM

HLFN vs PM: Complete Analysis 2026

HLFNStock

Home Loan Financial Corporation, a unitary thrift holding company, provides various banking products and services in the United States. The company's primary deposit products include checking, savings, and term certificate accounts; and lending products comprise residential mortgage, nonresidential mortgage, residential construction and land, commercial, and consumer loans. It also provides consumer credits, such as home improvement loans, education loans, loans secured by savings accounts, motor vehicle loans, unsecured loans, and credit cards. In addition, the company sells life insurance, annuity, long-term care insurance, and investment products. It provides financial services through its main office in Coshocton, Ohio; and branch offices in Coshocton, Mount Vernon, and West Lafayette, Ohio. The company was incorporated in 1997 and is based in Coshocton, Ohio.

Full HLFN 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.