HBCYF vs RFI: Which Is the Better Dividend Stock?
As of Nov 8, 2026, HBCYF and RFI are closely matched. RFI offers the higher yield at 8.88%, RFI 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 RFI
Data as of · Source: SmarterDividends data
- As of Nov 8, 2026, Cohen & Steers Total Return Realty Fund, Inc. (RFI) has the higher forward dividend yield at 8.88%, versus 2.29% for HSBC Holdings plc (HBCYF).
- As of Nov 8, 2026, SmarterDividends grades HBCYF's dividend safety C (56/100) and RFI's B (71/100).
- As of Nov 8, 2026, HBCYF pays out 54% of its earnings as dividends and RFI pays out 82%.
- As of Nov 8, 2026, HBCYF's fair-value estimate is 40% above its share price and RFI's fair-value estimate is 8% above its share price, so HBCYF looks like the better value of the two on SmarterDividends' blended model.
Cite this page
SmarterDividends, "HBCYF vs RFI: Dividend Yield, Safety & Value Compared," updated Nov 8, 2026, https://smarterdividends.com/compare/hbcyf-vs-rfi
| Metric | HBCYF | RFI |
|---|---|---|
| Forward yield | 2.29% | 8.88% |
| Annual dividend | $0.40 | $0.96 |
| Payout ratio | 54% | 82% |
| Years of growth | 0 yr | 0 yr |
| 5-yr dividend growth | — | 0.6% |
| 5-yr total return | 214% | -34% |
| Dividend safety score | 56 (C) | 71 (B) |
| Fair value estimate | $24.43 | $11.66 |
| Upside to fair value | +40% | +8% |
| Frequency | quarterly | monthly |
| Market cap | $298.7B | $289.3M |
| P/E ratio | 11.4 | 9.2 |
Higher yield
RFI
8.88%
Safer dividend
RFI
Grade B
Faster growth
RFI
0.6%
Better value
HBCYF
+40% upside
HBCYF vs RFI — FAQ
Is HBCYF or RFI a better dividend stock?
HBCYF and RFI are closely matched. RFI has the higher yield; RFI scores better on safety.
Which has a higher dividend yield, HBCYF or RFI?
RFI has the higher forward dividend yield at 8.88%, versus 2.29% for HBCYF.
Is HBCYF or RFI safer?
RFI has the higher dividend-safety score (71/100 vs 56/100), reflecting stronger payout coverage and dividend-growth history.
Is HBCYF or RFI 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 RFI, its fair-value estimate is 8% above its share price.
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See more dividend stock comparisons · data refreshes daily · for informational purposes only, not investment advice.