BFH vs MA: Which Is the Better Dividend Stock?
As of Oct 18, 2026, MA (Mastercard Incorporated) screens as the stronger dividend stock, winning 5 of 8 head-to-head metrics. BFH offers the higher yield at 0.90%, MA 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 MA
Data as of · Source: SmarterDividends data
- As of Oct 18, 2026, Bread Financial Holdings, Inc. (BFH) has the higher forward dividend yield at 0.90%, versus 0.56% for Mastercard Incorporated (MA).
- As of Oct 18, 2026, SmarterDividends grades BFH's dividend safety B (68/100) and MA's A (89/100).
- By SmarterDividends' count as of Oct 18, 2026, BFH has raised its dividend for 1 consecutive years and MA for 14.
- As of Oct 18, 2026, BFH pays out 7% of its earnings as dividends and MA pays out 18%.
- As of Oct 18, 2026, BFH's fair-value estimate is 229% above its share price and MA's fair-value estimate is 23% below its share price, so BFH looks like the better value of the two on SmarterDividends' blended model.
Cite this page
SmarterDividends, "BFH vs MA: Dividend Yield, Safety & Value Compared," updated Oct 18, 2026, https://smarterdividends.com/compare/bfh-vs-ma
| Metric | BFH | MA |
|---|---|---|
| Forward yield | 0.90% | 0.56% |
| Annual dividend | $0.92 | $3.48 |
| Payout ratio | 7% | 18% |
| Years of growth | 1 yr | 14 yr |
| 5-yr dividend growth | 5.1% | 13.7% |
| 5-yr total return | 50% | 96% |
| Dividend safety score | 68 (B) | 89 (A) |
| Fair value estimate | $337.01 | $474.95 |
| Upside to fair value | +229% | -23% |
| Frequency | quarterly | quarterly |
| Market cap | $3.9B | $540.9B |
| P/E ratio | 8.0 | 34.0 |
Higher yield
BFH
0.90%
Safer dividend
MA
Grade A
Faster growth
MA
13.7%
Better value
BFH
+229% upside
BFH vs MA — FAQ
Is BFH or MA a better dividend stock?
On the data, MA wins more head-to-head categories (5 vs 3). BFH offers the higher yield (0.90%), while MA has the stronger dividend-safety score. The right pick depends on whether you prioritise income, safety or value.
Which has a higher dividend yield, BFH or MA?
BFH has the higher forward dividend yield at 0.90%, versus 0.56% for MA.
Is BFH or MA safer?
MA has the higher dividend-safety score (89/100 vs 68/100), reflecting stronger payout coverage and dividend-growth history.
Is BFH or MA 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 MA, its fair-value estimate is 23% below its share price.
Related comparisons
See more dividend stock comparisons · data refreshes daily · for informational purposes only, not investment advice.