HomeCompareHRVFF vs PM

HRVFF vs PM: Dividend Comparison 2026

HRVFF yields 2.31% · PM yields 3.48%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 HRVFF wins by $76.78M in total portfolio value· pulled ahead in Year 4
10 years
HRVFF
HRVFF
● Live price
2.31%
Share price
$37.95
Annual div
$0.88
5Y div CAGR
97.3%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$76.83M
Annual income
$70,149,193.28
Full HRVFF 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 — HRVFF vs PM

📍 HRVFF pulled ahead of the other in Year 4

Annual dividend income

🛡️

Recession Test — Did They Cut Dividends?

How each stock treated shareholders during the 3 biggest crises of the last 20 years

Crisis PeriodHRVFFPM
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, HRVFF + PM cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

HRVFF
Annual income on $10K today (after 15% tax)
$196.35/yr
After 10yr DRIP, annual income (after tax)
$59,626,814.29/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, HRVFF beats the other by $59,624,696.07/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

HRVFF: 50%PM: 50%
100% PM50/50100% HRVFF
Portfolio after 10yr
$38.44M
Annual income
$35,075,842.65/yr
Blended yield
91.25%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on PM right now

HRVFF
No analyst data
Altman Z
4.7
Piotroski
7/9
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)

HRVFF buys
0
PM buys
0
No recent congressional trades found for HRVFF or PM in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricHRVFFPM
Forward yield2.31%3.48%
Annual dividend / share$0.88$5.76
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR97.3%17.2%
Portfolio after 10y$76.83M$49.6K
Annual income after 10y$70,149,193.28$2,492.02
Total dividends collected$76.30M$11.7K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearHRVFF PortfolioHRVFF Income/yrPM PortfolioPM Income/yrGap
1$11,156$455.76$11,648$408.29$492.00PM
2$12,874$937.52$13,589$495.90$715.00PM
3$15,770$1,995.00$15,877$603.21$107.00PM
4← crossover$21,380$4,506.18$18,580$734.88+$2.8KHRVFF
5$34,142$11,264.90$21,781$896.75+$12.4KHRVFF
6$69,702$33,169.75$25,578$1,096.12+$44.1KHRVFF
7$199,446$124,864.73$30,092$1,342.17+$169.4KHRVFF
8$872,223$658,815.93$35,470$1,646.46+$836.8KHRVFF
9$6,245,919$5,312,640.41$41,892$2,023.58+$6.20MHRVFF
10$76,832,326$70,149,193.28$49,578$2,492.02+$76.78MHRVFF

HRVFF vs PM: Complete Analysis 2026

HRVFFStock

Harvia Oyj, through its subsidiaries, manufactures and distributes traditional, steam, and infrared saunas. The company provides sauna heaters, sauna rooms, hot tubs, control units, and steam generators; sauna heater spare parts, sauna stones, steam room elements, infrared components, sound and lighting solutions, and water hygiene products; and sauna accessories, such as sauna scents, buckets, and ladles, as well as thermometers and sauna textiles. It also offers electric and wood-burning heaters; ready-made saunas; infrared and hybrid cabins; and steam rooms and spa modules. In addition, the company provides sauna installation, maintenance, and repair services; and engages in the real estate business. It offers its products to retailers and wholesalers through a network of dealers. The company operates in Finland, other EU countries, North America, Germany, Russia, other Scandinavia countries, and internationally. Harvia Oyj was founded in 1950 and is headquartered in Muurame, Finland.

Full HRVFF 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.