EARN vs HSBC: Which Is the Better Dividend Stock?
As of Oct 27, 2026, HSBC (HSBC Holdings plc) screens as the stronger dividend stock, winning 4 of 7 head-to-head metrics. EARN offers the higher yield at 25.74%, HSBC has the higher dividend-safety score, and EARN looks like the better value (its fair-value estimate is 177% above its share price).
Key facts: EARN vs HSBC
Data as of · Source: SmarterDividends data
- As of Oct 27, 2026, Ellington Credit Company (EARN) has the higher forward dividend yield at 25.74%, versus 4.11% for HSBC Holdings plc (HSBC).
- As of Oct 27, 2026, SmarterDividends grades EARN's dividend safety C (52/100) and HSBC's B (72/100).
- As of Oct 27, 2026, EARN's fair-value estimate is 177% above its share price and HSBC's fair-value estimate is 51% above its share price, so EARN looks like the better value of the two on SmarterDividends' blended model.
Cite this page
SmarterDividends, "EARN vs HSBC: Dividend Yield, Safety & Value Compared," updated Oct 27, 2026, https://smarterdividends.com/compare/earn-vs-hsbc
| Metric | EARN | HSBC |
|---|---|---|
| Forward yield | 25.74% | 4.11% |
| Annual dividend | $0.96 | $3.75 |
| Payout ratio | 0% | 54% |
| Years of growth | 0 yr | 0 yr |
| 5-yr dividend growth | -22.2% | -13.8% |
| 5-yr total return | -66% | 228% |
| Dividend safety score | 52 (C) | 72 (B) |
| Fair value estimate | $10.33 | $137.57 |
| Upside to fair value | +177% | +51% |
| Frequency | monthly | quarterly |
| Market cap | $146.6M | $311.9B |
| P/E ratio | — | 13.0 |
Higher yield
EARN
25.74%
Safer dividend
HSBC
Grade B
Faster growth
HSBC
-13.8%
Better value
EARN
+177% upside
EARN vs HSBC — FAQ
Is EARN or HSBC a better dividend stock?
On the data, HSBC wins more head-to-head categories (4 vs 3). EARN offers the higher yield (25.74%), while HSBC has the stronger dividend-safety score. The right pick depends on whether you prioritise income, safety or value.
Which has a higher dividend yield, EARN or HSBC?
EARN has the higher forward dividend yield at 25.74%, versus 4.11% for HSBC.
Is EARN or HSBC safer?
HSBC has the higher dividend-safety score (72/100 vs 52/100), reflecting stronger payout coverage and dividend-growth history.
Is EARN or HSBC better value right now?
As of Oct 27, 2026, EARN looks like the better value: its fair-value estimate is 177% above its share price (undervalued). For HSBC, its fair-value estimate is 51% above its share price.
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See more dividend stock comparisons · data refreshes daily · for informational purposes only, not investment advice.