HSBC vs UFCS: Which Is the Better Dividend Stock?
As of July 2026, HSBC (HSBC Holdings plc) screens as the stronger dividend stock, winning 4 of 7 head-to-head metrics. HSBC offers the higher yield at 3.69%, UFCS has the higher dividend-safety score, and HSBC trades at the larger discount to fair value (+23%).
| Metric | HSBC | UFCS |
|---|---|---|
| Forward yield | 3.69% | 1.62% |
| Annual dividend | $3.75 | $0.80 |
| Payout ratio | 62% | 14% |
| Years of growth | 0 yr | 0 yr |
| 5-yr dividend growth | -13.8% | -10.9% |
| 5-yr total return | 291% | 98% |
| Dividend safety score | 70 (B) | 73 (B) |
| Fair value estimate | $127.38 | $27.49 |
| Upside to fair value | +23% | -46% |
| Frequency | quarterly | quarterly |
| Market cap | $354.6B | $1.3B |
| P/E ratio | 16.8 | 10.0 |
Higher yield
HSBC
3.69%
Safer dividend
UFCS
Grade B
Faster growth
UFCS
-10.9%
Better value
HSBC
+23% upside
HSBC vs UFCS — FAQ
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