BFH vs HSBC: Which Is the Better Dividend Stock?
As of Oct 18, 2026, BFH and HSBC are closely matched. HSBC offers the higher yield at 3.97%, HSBC has the higher dividend-safety score, and BFH looks like the better value (its fair-value estimate is 229% above its share price).
Key facts: BFH vs HSBC
Data as of · Source: SmarterDividends data
- As of Oct 18, 2026, HSBC Holdings plc (HSBC) has the higher forward dividend yield at 3.97%, versus 0.90% for Bread Financial Holdings, Inc. (BFH).
- As of Oct 18, 2026, SmarterDividends grades BFH's dividend safety B (68/100) and HSBC's B (72/100).
- As of Oct 18, 2026, BFH pays out 7% of its earnings as dividends and HSBC pays out 54%.
- As of Oct 18, 2026, BFH's fair-value estimate is 229% above its share price and HSBC's fair-value estimate is 44% above its share price, so BFH looks like the better value of the two on SmarterDividends' blended model.
Cite this page
SmarterDividends, "BFH vs HSBC: Dividend Yield, Safety & Value Compared," updated Oct 18, 2026, https://smarterdividends.com/compare/bfh-vs-hsbc
| Metric | BFH | HSBC |
|---|---|---|
| Forward yield | 0.90% | 3.97% |
| Annual dividend | $0.92 | $3.75 |
| Payout ratio | 7% | 54% |
| Years of growth | 1 yr | 0 yr |
| 5-yr dividend growth | 5.1% | -13.8% |
| 5-yr total return | 50% | 242% |
| Dividend safety score | 68 (B) | 72 (B) |
| Fair value estimate | $337.01 | $135.99 |
| Upside to fair value | +229% | +44% |
| Frequency | quarterly | quarterly |
| Market cap | $3.9B | $323.4B |
| P/E ratio | 8.0 | 13.5 |
Higher yield
HSBC
3.97%
Safer dividend
HSBC
Grade B
Faster growth
BFH
5.1%
Better value
BFH
+229% upside
BFH vs HSBC — FAQ
Is BFH or HSBC a better dividend stock?
BFH and HSBC are closely matched. HSBC has the higher yield; HSBC scores better on safety.
Which has a higher dividend yield, BFH or HSBC?
HSBC has the higher forward dividend yield at 3.97%, versus 0.90% for BFH.
Is BFH or HSBC safer?
HSBC has the higher dividend-safety score (72/100 vs 68/100), reflecting stronger payout coverage and dividend-growth history.
Is BFH or HSBC better value right now?
As of Oct 18, 2026, BFH looks like the better value: its fair-value estimate is 229% above its share price (undervalued). For HSBC, its fair-value estimate is 44% above its share price.
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See more dividend stock comparisons · data refreshes daily · for informational purposes only, not investment advice.