HBCYF vs MA: Which Is the Better Dividend Stock?
As of Nov 11, 2026, MA (Mastercard Incorporated) screens as the stronger dividend stock, winning 4 of 7 head-to-head metrics. HBCYF offers the higher yield at 2.23%, MA has the higher dividend-safety score, and HBCYF looks like the better value (its fair-value estimate is 36% above its share price).
Key facts: HBCYF vs MA
Data as of · Source: SmarterDividends data
- As of Nov 11, 2026, HSBC Holdings plc (HBCYF) has the higher forward dividend yield at 2.23%, versus 0.53% for Mastercard Incorporated (MA).
- As of Nov 11, 2026, SmarterDividends grades HBCYF's dividend safety C (56/100) and MA's A (89/100).
- By SmarterDividends' count as of Nov 11, 2026, HBCYF has raised its dividend for 0 consecutive years and MA for 14.
- As of Nov 11, 2026, HBCYF pays out 54% of its earnings as dividends and MA pays out 18%.
- As of Nov 11, 2026, HBCYF's fair-value estimate is 36% above its share price and MA's fair-value estimate is 24% below its share price, so HBCYF looks like the better value of the two on SmarterDividends' blended model.
Cite this page
SmarterDividends, "HBCYF vs MA: Dividend Yield, Safety & Value Compared," updated Nov 11, 2026, https://smarterdividends.com/compare/hbcyf-vs-ma
| Metric | HBCYF | MA |
|---|---|---|
| Forward yield | 2.23% | 0.53% |
| Annual dividend | $0.40 | $3.48 |
| Payout ratio | 54% | 18% |
| Years of growth | 0 yr | 14 yr |
| 5-yr dividend growth | — | 13.7% |
| 5-yr total return | 214% | 107% |
| Dividend safety score | 56 (C) | 89 (A) |
| Fair value estimate | $24.43 | $499.25 |
| Upside to fair value | +36% | -24% |
| Frequency | quarterly | quarterly |
| Market cap | $306.7B | $574.0B |
| P/E ratio | 11.7 | 34.5 |
Higher yield
HBCYF
2.23%
Safer dividend
MA
Grade A
Faster growth
MA
13.7%
Better value
HBCYF
+36% upside
HBCYF vs MA — FAQ
Is HBCYF or MA a better dividend stock?
On the data, MA wins more head-to-head categories (4 vs 3). HBCYF offers the higher yield (2.23%), 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, HBCYF or MA?
HBCYF has the higher forward dividend yield at 2.23%, versus 0.53% for MA.
Is HBCYF or MA safer?
MA has the higher dividend-safety score (89/100 vs 56/100), reflecting stronger payout coverage and dividend-growth history.
Is HBCYF or MA better value right now?
As of Nov 11, 2026, HBCYF looks like the better value: its fair-value estimate is 36% above its share price (undervalued). For MA, its fair-value estimate is 24% below its share price.
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See more dividend stock comparisons · data refreshes daily · for informational purposes only, not investment advice.