HBCYF vs NIM: Which Is the Better Dividend Stock?
As of Nov 13, 2026, HBCYF (HSBC Holdings plc) screens as the stronger dividend stock, winning 5 of 7 head-to-head metrics. NIM offers the higher yield at 3.88%, HBCYF has the higher dividend-safety score, and HBCYF looks like the better value (its fair-value estimate is 37% above its share price).
Key facts: HBCYF vs NIM
Data as of · Source: SmarterDividends data
- As of Nov 13, 2026, Nuveen Select Maturities Municipal Fund (NIM) has the higher forward dividend yield at 3.88%, versus 2.24% for HSBC Holdings plc (HBCYF).
- As of Nov 13, 2026, SmarterDividends grades HBCYF's dividend safety C (65/100) and NIM's C (58/100).
- By SmarterDividends' count as of Nov 13, 2026, HBCYF has raised its dividend for 0 consecutive years and NIM for 3.
- As of Nov 13, 2026, HBCYF pays out 54% of its earnings as dividends and NIM pays out 90%.
- As of Nov 13, 2026, HBCYF's fair-value estimate is 37% above its share price and NIM's fair-value estimate is 47% below its share price, so HBCYF looks like the better value of the two on SmarterDividends' blended model.
Cite this page
SmarterDividends, "HBCYF vs NIM: Dividend Yield, Safety & Value Compared," updated Nov 13, 2026, https://smarterdividends.com/compare/hbcyf-vs-nim
| Metric | HBCYF | NIM |
|---|---|---|
| Forward yield | 2.24% | 3.88% |
| Annual dividend | $0.40 | $0.35 |
| Payout ratio | 54% | 90% |
| Years of growth | 0 yr | 3 yr |
| 5-yr dividend growth | — | 1.0% |
| 5-yr total return | 221% | -19% |
| Dividend safety score | 65 (C) | 58 (C) |
| Fair value estimate | $24.43 | $4.78 |
| Upside to fair value | +37% | -47% |
| Frequency | quarterly | monthly |
| Market cap | $305.3B | $111.6M |
| P/E ratio | 11.8 | 23.0 |
Higher yield
NIM
3.88%
Safer dividend
HBCYF
Grade C
Faster growth
NIM
1.0%
Better value
HBCYF
+37% upside
HBCYF vs NIM — FAQ
Is HBCYF or NIM a better dividend stock?
On the data, HBCYF wins more head-to-head categories (5 vs 2). NIM offers the higher yield (3.88%), while HBCYF 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 NIM?
NIM has the higher forward dividend yield at 3.88%, versus 2.24% for HBCYF.
Is HBCYF or NIM safer?
HBCYF has the higher dividend-safety score (65/100 vs 58/100), reflecting stronger payout coverage and dividend-growth history.
Is HBCYF or NIM better value right now?
As of Nov 13, 2026, HBCYF looks like the better value: its fair-value estimate is 37% above its share price (undervalued). For NIM, its fair-value estimate is 47% below its share price.
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See more dividend stock comparisons · data refreshes daily · for informational purposes only, not investment advice.