HSBC vs UNM: Which Is the Better Dividend Stock?
As of September 2026, UNM (Unum Group) screens as the stronger dividend stock, winning 5 of 8 head-to-head metrics. HSBC offers the higher yield at 3.50%, UNM has the higher dividend-safety score, and UNM trades at the larger discount to fair value (+31%).
| Metric | HSBC | UNM |
|---|---|---|
| Forward yield | 3.50% | 2.11% |
| Annual dividend | $3.75 | $2.02 |
| Payout ratio | 54% | 43% |
| Years of growth | 0 yr | 17 yr |
| 5-yr dividend growth | -13.8% | 9.1% |
| 5-yr total return | 310% | 282% |
| Dividend safety score | 72 (B) | 92 (A) |
| Fair value estimate | $136.26 | $125.82 |
| Upside to fair value | +27% | +31% |
| Frequency | quarterly | quarterly |
| Market cap | $366.9B | $15.2B |
| P/E ratio | 15.3 | 22.2 |
Higher yield
HSBC
3.50%
Safer dividend
UNM
Grade A
Faster growth
UNM
9.1%
Better value
UNM
+31% upside
HSBC vs UNM — FAQ
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