HSBC vs RLI: Which Is the Better Dividend Stock?
As of September 2026, HSBC and RLI are closely matched. HSBC offers the higher yield at 3.56%, RLI has the higher dividend-safety score, and HSBC trades at the larger discount to fair value (+29%).
| Metric | HSBC | RLI |
|---|---|---|
| Forward yield | 3.56% | 1.19% |
| Annual dividend | $3.75 | $0.72 |
| Payout ratio | 54% | 14% |
| Years of growth | 0 yr | 38 yr |
| 5-yr dividend growth | -13.8% | 5.8% |
| 5-yr total return | 303% | 21% |
| Dividend safety score | 72 (B) | 99 (A) |
| Fair value estimate | $136.26 | $73.74 |
| Upside to fair value | +29% | +22% |
| Frequency | quarterly | quarterly |
| Market cap | $360.6B | $5.6B |
| P/E ratio | 15.0 | 12.7 |
Higher yield
HSBC
3.56%
Safer dividend
RLI
Grade A
Faster growth
RLI
5.8%
Better value
HSBC
+29% upside
HSBC vs RLI — FAQ
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