HSBC vs UFCS: Which Is the Better Dividend Stock?
As of September 2026, UFCS (United Fire Group, Inc.) screens as the stronger dividend stock, winning 4 of 7 head-to-head metrics. HSBC offers the higher yield at 3.50%, UFCS has the higher dividend-safety score, and UFCS trades at the larger discount to fair value (+81%).
| Metric | HSBC | UFCS |
|---|---|---|
| Forward yield | 3.50% | 1.43% |
| Annual dividend | $3.75 | $0.80 |
| Payout ratio | 54% | 13% |
| Years of growth | 0 yr | 0 yr |
| 5-yr dividend growth | -13.8% | -10.9% |
| 5-yr total return | 310% | 142% |
| Dividend safety score | 72 (B) | 73 (B) |
| Fair value estimate | $136.26 | $101.46 |
| Upside to fair value | +27% | +81% |
| Frequency | quarterly | quarterly |
| Market cap | $366.9B | $1.4B |
| P/E ratio | 15.3 | 10.4 |
Higher yield
HSBC
3.50%
Safer dividend
UFCS
Grade B
Faster growth
UFCS
-10.9%
Better value
UFCS
+81% upside
HSBC vs UFCS — FAQ
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