BAC vs XP: Which Is the Better Dividend Stock?
As of September 2026, BAC (Bank of America Corporation) screens as the stronger dividend stock, winning 5 of 7 head-to-head metrics. BAC offers the higher yield at 2.29%, BAC has the higher dividend-safety score, and XP trades at the larger discount to fair value (+177%).
| Metric | BAC | XP |
|---|---|---|
| Forward yield | 2.29% | 0.96% |
| Annual dividend | $1.28 | $0.20 |
| Payout ratio | 26% | 20% |
| Years of growth | 12 yr | 0 yr |
| 5-yr dividend growth | 8.4% | — |
| 5-yr total return | 21% | -39% |
| Dividend safety score | 86 (A) | 54 (C) |
| Fair value estimate | $91.91 | $55.39 |
| Upside to fair value | +59% | +177% |
| Frequency | quarterly | annual |
| Market cap | $390.9B | $10.5B |
| P/E ratio | 12.9 | 10.4 |
Higher yield
BAC
2.29%
Safer dividend
BAC
Grade A
Faster growth
BAC
8.4%
Better value
XP
+177% upside
BAC vs XP — FAQ
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