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HTGC vs PM: Dividend Comparison 2026

HTGC yields 10.22% · PM yields 4.27% · See full DRIP projection below

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After 10 years · $10,000 invested · DRIP enabled
🏆 HTGC wins by $11.7K in total portfolio value
10 years
HTGC
Hercules Capital Inc.
10.22%
Share price
$18.40
Annual div
$1.88
5Y div CAGR
4.2%
Payout ratio
90%
After 10 yrs · $10,000 · DRIP
Portfolio value
$53.7K
Annual income
$3,064.35
Full HTGC calculator →
PM
Philip Morris International
4.27%
Share price
$126.50
Annual div
$5.40
5Y div CAGR
2.8%
Payout ratio
84%
After 10 yrs · $10,000 · DRIP
Portfolio value
$42.0K
Annual income
$721.58
Full PM calculator →

Portfolio growth — HTGC vs PM

Annual dividend income

MetricHTGCPM
Forward yield10.22%4.27%
Annual dividend / share$1.88$5.40
Payout ratio90%84%
1-year div growth5.6%3.9%
5-year div CAGR4.2%2.8%
Portfolio after 10y$53.7K$42.0K
Annual income after 10y$3,064.35$721.58
Total dividends collected$19.5K$5.8K
Payment frequencyquarterlyquarterly
SectorBDCConsumer Staples

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

YearHTGC PortfolioHTGC Income/yrPM PortfolioPM Income/yrGap
1$12,045$1,064.65$11,679$438.83+$366.00HTGC
2$14,442$1,216.94$13,596$468.73+$846.00HTGC
3$17,242$1,384.73$15,781$499.06+$1.5KHTGC
4$20,501$1,568.89$18,267$529.79+$2.2KHTGC
5$24,280$1,770.26$21,093$560.89+$3.2KHTGC
6$28,649$1,989.67$24,301$592.34+$4.3KHTGC
7$33,685$2,227.97$27,939$624.14+$5.7KHTGC
8$39,472$2,485.98$32,059$656.28+$7.4KHTGC
9$46,104$2,764.50$36,723$688.76+$9.4KHTGC
10$53,687$3,064.35$41,999$721.58+$11.7KHTGC

HTGC vs PM: Complete Analysis 2026

HTGCBDC

Hercules Capital specializes in lending to venture-backed technology and life sciences companies. This unique focus allows it to capture higher yields than traditional BDCs. Strong origination network with leading VC firms. HTGC pays regular plus supplemental dividends, making total yield among the highest in BDC space.

Full HTGC Calculator →

PMConsumer Staples

Philip Morris International operates outside the US with an accelerating shift to smoke-free products. IQOS heated tobacco and ZYN nicotine pouches now represent 40%+ of revenue. PM has raised its dividend 16+ consecutive years since spinning off from Altria in 2008. The company targets $15B+ in smoke-free revenues by 2030.

Full PM Calculator →

Frequently Asked Questions

Is HTGC or PM better for dividend income in 2026?
HTGC currently offers a 10.22% yield (1.88/share/year) while PM offers 4.27% (5.40/share/year). HTGC provides higher current income. However, HTGC has grown its dividend faster (4.2% 5Y CAGR), which may lead to better long-term income through compounding.
How much would $10,000 in HTGC vs PM earn per year?
With $10,000 invested today: HTGC pays approximately $1022/year. PM pays approximately $427/year. With DRIP reinvestment over 10 years, these grow to $3,064/year (HTGC) and $722/year (PM).
Does HTGC or PM pay monthly dividends?
HTGC pays quarterly dividends. PM pays quarterly dividends. Neither pay monthly — both use a quarterly schedule, which is preferred by investors who need regular cash flow.
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⚠️ Educational purposes only. Not financial advice. All projections use historical data; actual results will vary.