HSBC vs QFIN: Which Is the Better Dividend Stock?
As of September 2026, QFIN (Qfin Holdings, Inc.) screens as the stronger dividend stock, winning 4 of 7 head-to-head metrics. QFIN offers the higher yield at 14.49%, HSBC has the higher dividend-safety score, and QFIN trades at the larger discount to fair value (+140%).
| Metric | HSBC | QFIN |
|---|---|---|
| Forward yield | 3.57% | 14.49% |
| Annual dividend | $3.75 | $1.24 |
| Payout ratio | 54% | 37% |
| Years of growth | 0 yr | 3 yr |
| 5-yr dividend growth | -13.8% | — |
| 5-yr total return | 296% | -57% |
| Dividend safety score | 72 (B) | 53 (C) |
| Fair value estimate | $136.35 | $21.09 |
| Upside to fair value | +32% | +140% |
| Frequency | quarterly | semiannual |
| Market cap | $364.7B | $1.1B |
| P/E ratio | 15.0 | 2.0 |
Higher yield
QFIN
14.49%
Safer dividend
HSBC
Grade B
Faster growth
HSBC
-13.8%
Better value
QFIN
+140% upside
HSBC vs QFIN — FAQ
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