HBCYF vs MSIF: Which Is the Better Dividend Stock?
As of Nov 8, 2026, HBCYF and MSIF are closely matched. MSIF offers the higher yield at 10.53%, HBCYF has the higher dividend-safety score, and HBCYF looks like the better value (its fair-value estimate is 40% above its share price).
Key facts: HBCYF vs MSIF
Data as of · Source: SmarterDividends data
- As of Nov 8, 2026, MSC Income Fund, Inc. (MSIF) has the higher forward dividend yield at 10.53%, versus 2.29% for HSBC Holdings plc (HBCYF).
- As of Nov 8, 2026, HBCYF pays out 54% of its earnings as dividends and MSIF pays out 60%.
- As of Nov 8, 2026, HBCYF's fair-value estimate is 40% above its share price and MSIF's fair-value estimate is 32% above its share price, so HBCYF looks like the better value of the two on SmarterDividends' blended model.
Cite this page
SmarterDividends, "HBCYF vs MSIF: Dividend Yield, Safety & Value Compared," updated Nov 8, 2026, https://smarterdividends.com/compare/hbcyf-vs-msif
| Metric | HBCYF | MSIF |
|---|---|---|
| Forward yield | 2.29% | 10.53% |
| Annual dividend | $0.40 | $1.32 |
| Payout ratio | 54% | 60% |
| Years of growth | 0 yr | 0 yr |
| 5-yr dividend growth | — | — |
| 5-yr total return | 214% | — |
| Dividend safety score | 56 (C) | — |
| Fair value estimate | $24.43 | $16.60 |
| Upside to fair value | +40% | +32% |
| Frequency | quarterly | monthly |
| Market cap | $298.7B | $568.2M |
| P/E ratio | 11.4 | 6.4 |
Higher yield
MSIF
10.53%
Safer dividend
HBCYF
Grade C
Faster growth
HBCYF
—
Better value
HBCYF
+40% upside
HBCYF vs MSIF — FAQ
Is HBCYF or MSIF a better dividend stock?
HBCYF and MSIF are closely matched. MSIF has the higher yield; HBCYF scores better on safety.
Which has a higher dividend yield, HBCYF or MSIF?
MSIF has the higher forward dividend yield at 10.53%, versus 2.29% for HBCYF.
Is HBCYF or MSIF safer?
Compare each stock's payout ratio, growth streak and cut history on its detail page to judge safety.
Is HBCYF or MSIF better value right now?
As of Nov 8, 2026, HBCYF looks like the better value: its fair-value estimate is 40% above its share price (undervalued). For MSIF, its fair-value estimate is 32% above its share price.
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