BAC vs QFIN: Which Is the Better Dividend Stock?
As of September 2026, BAC (Bank of America Corporation) screens as the stronger dividend stock, winning 5 of 7 head-to-head metrics. QFIN offers the higher yield at 14.49%, BAC has the higher dividend-safety score, and QFIN trades at the larger discount to fair value (+140%).
| Metric | BAC | QFIN |
|---|---|---|
| Forward yield | 2.04% | 14.49% |
| Annual dividend | $1.28 | $1.24 |
| Payout ratio | 26% | 37% |
| Years of growth | 12 yr | 3 yr |
| 5-yr dividend growth | 8.4% | — |
| 5-yr total return | 47% | -57% |
| Dividend safety score | 85 (A) | 53 (C) |
| Fair value estimate | $90.94 | $21.09 |
| Upside to fair value | +46% | +140% |
| Frequency | quarterly | semiannual |
| Market cap | $440.8B | $1.1B |
| P/E ratio | 14.5 | 2.0 |
Higher yield
QFIN
14.49%
Safer dividend
BAC
Grade A
Faster growth
BAC
8.4%
Better value
QFIN
+140% upside
BAC vs QFIN — FAQ
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