Philip Morris International (PM) Stock Concentration Calculator
Calculator · free · no signup · PMQuantify Philip Morris International concentration risk. Drawdown impact at 30 / 50 / 70%, with the tax-aware trade-off between selling down and hedging.
Beta · invite-only · AlphaLatitude Inc. · Free Tools
Your inputs
Adjust — results update instantly.Position & portfolio
Tax
Most fee-only advisors target ≤10% in any single name. You're at 67%.
Estimates only. Not financial advice.
Most sensitive to: Expected market return (±10% on this input swings best-plan wealth by ±$190,508).
Cost of fully de-concentrating
All three plans sell to 0% (no hedge).Sensitivity. If your expected position return drops below 19.6%/yr, lump-sum (sell everything today) beats every spread plan above.
Have multiple RSU vest lots? The RSU Lot Order Calculator picks which lots to sell first, and on which dates, to divest at the lowest computed tax.
Build your own plan
Toggle below — chart updates live. Sell buttons show the slice.Tech / Software single names hit a 50%+ peak-to-trough drawdown in roughly 1 of every 5 rolling 3-year windows over 2014–2024. Even mega-caps aren’t exempt.
Tax brackets: 2026 · Estimates only — not financial advice.
Estate note. Heirs receive a stepped-up basis at death (§1014), eliminating built-in gain on inherited shares. Older holders who plan to bequeath rather than sell may rationally never de-concentrate.
You sized one position's risk. The beta integrates hedging, sell-down, and tax timing into one optimized plan.
Request beta access →Related calculators: Protect Your Stock Calculator · RSU Lot Order Calculator · Equity Funding Plan Calculator
About Philip Morris International
Philip Morris International (PM) is a public Consumer Staples company, incorporated in Virginia and headquartered in Stamford, CT.
Last close: $187.62 per share (as of 2026-08-19).
Equity grants at Philip Morris International typically include restricted stock units (RSUs).
Philip Morris International Inc. (PMI) is a tobacco company, with products sold in over 180 countries. Marlboro is PMI’s most recognized brand, but in the last quarter of 2023, Iqos generated the greatest revenue. Philip Morris International is often referred to as one of the companies comprising Big Tobacco. The company ranked No. 121 in the 2025 Fortune 500 list of the largest US corporations by total revenue.
Source: Wikipedia (CC BY-SA 4.0)
Altria separated its international tobacco business in 2008, giving this company the rights to Marlboro everywhere outside the United States. It has invested more aggressively than any peer in replacing cigarettes, and IQOS heated tobacco plus the ZYN nicotine pouch acquisition now generate a large and growing share of revenue. The stated ambition is a majority smoke-free business, which is a genuine reallocation rather than a marketing position. Currency movements materially affect reported results given the geographic mix. Headquarters are in Stamford, Connecticut.
Sources: sec.gov · en.wikipedia.org
OptionsAhoy is an independent tool and is not affiliated with, endorsed by, or sponsored by Philip Morris International.
If a meaningful share of your net worth sits in PM, concentration risk is the question. This calculator quantifies drawdown impact at 30 / 50 / 70%, and the trade-off between selling down (tax cost now) versus hedging (option premium drag), auto-filled with PM's option-implied volatility.
Example: 5,000 PM shares at $187.62 is a $938,100 position. A 30% drawdown costs $281,430; a 50% drawdown costs $469,050; a 70% drawdown costs $656,670. The calculator quantifies the trade-off between selling down (immediate capital-gains tax) and hedging (option premium drag) using PM's option-implied volatility and your cost basis.
All Philip Morris International tools → · Use the generic Stock Concentration Calculator for any company. Diversifying multiple RSU lots? See the lot-by-lot sell order →
Philip Morris International equity questions
- How much PM stock is too much?
- There is no single threshold, but the larger the share of your net worth in one stock, the more a single bad year can set back your plans. The calculator above quantifies the drawdown impact at 30, 50, and 70 percent for your PM position and weighs selling down (which triggers capital-gains tax now) against hedging (which costs option premium).
- Does Philip Morris International grant ISOs, NSOs, or RSUs?
- Equity compensation at Philip Morris International typically takes the form of restricted stock units (RSUs). Restricted stock units are taxed as ordinary income when they vest.
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OptionsAhoy plans your Philip Morris International equity alongside hedging, vesting, and de-concentration, across bullish, neutral, and bearish market scenarios. Free during beta.