To compare the performance differences between proton exchange membrane fuel cell (PEMFC), metal hydride tank (MHT) and heat exchanger (HX) coupling configurations and optimize thermal management methods, this study investigates and compares three coupling systems, PEMFC-MHT-HX series, PEMFC-HX-MHT series, and PEMFC-MHT|HX parallel system. Results reveal that, under controlled load variables, all three systems achieve an energy efficiency of 48.1 % at the maximum net power of 41.99 kW, increased by 16.93 % compared to standalone PEMFC. Exergy efficiencies of the systems show little differences, with values of 43.65 %, 43.38 %, and 43.51 %, respectively. The PEMFC-MHT-HX system exhibits the highest hydrogen outlet pressure, which is suitable for high-pressure applications. Conversely, the PEMFC-MHT|HX system enables flexible hydrogen supply regulation through decoupled control of hydrogen outlet pressure and flow. Increasing the MHT heat transfer coefficient can enhance the outlet pressure, but this effect diminishes beyond 1500 W/(m2·K). Sensitivity analysis identifies current and stack temperature as pivotal factors, emphasizing the necessity of precise current regulation and effective thermal management strategies. Additionally, the proportion of PEMFC waste heat recovered by the MHT decreases from 36.8 % to 29.0 % as the current load rises from 100 A to 400 A, indicating potential for alternative waste heat recovery devices over HX.