BAC vs QFIN: Which Is the Better Dividend Stock?
As of Oct 24, 2026, BAC (Bank of America Corporation) screens as the stronger dividend stock, winning 5 of 6 head-to-head metrics. QFIN offers the higher yield at 23.57%, BAC has the higher dividend-safety score.
Key facts: BAC vs QFIN
Data as of · Source: SmarterDividends data
- As of Oct 24, 2026, Qfin Holdings, Inc. (QFIN) has the higher forward dividend yield at 23.57%, versus 2.53% for Bank of America Corporation (BAC).
- As of Oct 24, 2026, SmarterDividends grades BAC's dividend safety A (87/100) and QFIN's C (51/100).
- By SmarterDividends' count as of Oct 24, 2026, BAC has raised its dividend for 12 consecutive years and QFIN for 3.
- As of Oct 24, 2026, BAC pays out 26% of its earnings as dividends and QFIN pays out 38%.
Cite this page
SmarterDividends, "BAC vs QFIN: Dividend Yield, Safety & Value Compared," updated Oct 24, 2026, https://smarterdividends.com/compare/bac-vs-qfin
| Metric | BAC | QFIN |
|---|---|---|
| Forward yield | 2.53% | 23.57% |
| Annual dividend | $1.28 | $1.24 |
| Payout ratio | 26% | 38% |
| Years of growth | 12 yr | 3 yr |
| 5-yr dividend growth | 8.4% | — |
| 5-yr total return | 14% | -77% |
| Dividend safety score | 87 (A) | 51 (C) |
| Fair value estimate | $63.43 | — |
| Upside to fair value | +25% | — |
| Frequency | quarterly | semiannual |
| Market cap | $353.6B | $639.5M |
| P/E ratio | 12.1 | 1.3 |
Higher yield
QFIN
23.57%
Safer dividend
BAC
Grade A
Faster growth
BAC
8.4%
BAC vs QFIN — FAQ
Is BAC or QFIN a better dividend stock?
On the data, BAC wins more head-to-head categories (5 vs 1). QFIN offers the higher yield (23.57%), while BAC has the stronger dividend-safety score. The right pick depends on whether you prioritise income, safety or value.
Which has a higher dividend yield, BAC or QFIN?
QFIN has the higher forward dividend yield at 23.57%, versus 2.53% for BAC.
Is BAC or QFIN safer?
BAC has the higher dividend-safety score (87/100 vs 51/100), reflecting stronger payout coverage and dividend-growth history.
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See more dividend stock comparisons · data refreshes daily · for informational purposes only, not investment advice.