HSBC vs PFS: Which Is the Better Dividend Stock?
As of Oct 18, 2026, PFS (Provident Financial Services, Inc.) screens as the stronger dividend stock, winning 5 of 7 head-to-head metrics. PFS offers the higher yield at 4.32%, PFS has the higher dividend-safety score, and PFS looks like the better value (its fair-value estimate is 91% above its share price).
Key facts: HSBC vs PFS
Data as of · Source: SmarterDividends data
- As of Oct 18, 2026, Provident Financial Services, Inc. (PFS) has the higher forward dividend yield at 4.32%, versus 3.97% for HSBC Holdings plc (HSBC).
- As of Oct 18, 2026, SmarterDividends grades HSBC's dividend safety B (72/100) and PFS's A (93/100).
- As of Oct 18, 2026, HSBC pays out 54% of its earnings as dividends and PFS pays out 40%.
- As of Oct 18, 2026, HSBC's fair-value estimate is 44% above its share price and PFS's fair-value estimate is 91% above its share price, so PFS looks like the better value of the two on SmarterDividends' blended model.
Cite this page
SmarterDividends, "HSBC vs PFS: Dividend Yield, Safety & Value Compared," updated Oct 18, 2026, https://smarterdividends.com/compare/hsbc-vs-pfs
| Metric | HSBC | PFS |
|---|---|---|
| Forward yield | 3.97% | 4.32% |
| Annual dividend | $3.75 | $0.96 |
| Payout ratio | 54% | 40% |
| Years of growth | 0 yr | 0 yr |
| 5-yr dividend growth | -13.8% | 0.9% |
| 5-yr total return | 242% | -6% |
| Dividend safety score | 72 (B) | 93 (A) |
| Fair value estimate | $135.99 | $42.40 |
| Upside to fair value | +44% | +91% |
| Frequency | quarterly | quarterly |
| Market cap | $323.4B | $2.9B |
| P/E ratio | 13.5 | 9.3 |
Higher yield
PFS
4.32%
Safer dividend
PFS
Grade A
Faster growth
PFS
0.9%
Better value
PFS
+91% upside
HSBC vs PFS — FAQ
Is HSBC or PFS a better dividend stock?
On the data, PFS wins more head-to-head categories (5 vs 2). PFS offers the higher yield (4.32%), while PFS has the stronger dividend-safety score. The right pick depends on whether you prioritise income, safety or value.
Which has a higher dividend yield, HSBC or PFS?
PFS has the higher forward dividend yield at 4.32%, versus 3.97% for HSBC.
Is HSBC or PFS safer?
PFS has the higher dividend-safety score (93/100 vs 72/100), reflecting stronger payout coverage and dividend-growth history.
Is HSBC or PFS better value right now?
As of Oct 18, 2026, PFS looks like the better value: its fair-value estimate is 91% above its share price (undervalued). For HSBC, its fair-value estimate is 44% above its share price.
Related comparisons
See more dividend stock comparisons · data refreshes daily · for informational purposes only, not investment advice.