SmarterDividends

C vs HSBC: Which Is the Better Dividend Stock?

As of September 2026, C (Citigroup Inc.) screens as the stronger dividend stock, winning 5 of 8 head-to-head metrics. HSBC offers the higher yield at 3.68%, C has the higher dividend-safety score, and C trades at the larger discount to fair value (+36%).

MetricCHSBC
Forward yield2.03%3.68%
Annual dividend$2.68$3.75
Payout ratio26%54%
Years of growth3 yr0 yr
5-yr dividend growth2.6%-13.8%
5-yr total return91%239%
Dividend safety score80 (A)72 (B)
Fair value estimate$179.36$138.49
Upside to fair value+36%+36%
Frequencyquarterlyquarterly
Market cap$221.0B$348.5B
P/E ratio14.214.5

Higher yield

HSBC

3.68%

Safer dividend

C

Grade A

Faster growth

C

2.6%

Better value

C

+36% upside

C vs HSBC — FAQ

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