HSBC vs RLI: Which Is the Better Dividend Stock?
As of Oct 31, 2026, HSBC and RLI are closely matched. HSBC offers the higher yield at 4.39%, RLI has the higher dividend-safety score, and HSBC looks like the better value (its fair-value estimate is 75% above its share price).
Key facts: HSBC vs RLI
Data as of · Source: SmarterDividends data
- As of Oct 31, 2026, HSBC Holdings plc (HSBC) has the higher forward dividend yield at 4.39%, versus 1.10% for RLI Corp. (RLI).
- As of Oct 31, 2026, SmarterDividends grades HSBC's dividend safety B (68/100) and RLI's A (99/100).
- By SmarterDividends' count as of Oct 31, 2026, HSBC has raised its dividend for 0 consecutive years and RLI for 38.
- As of Oct 31, 2026, HSBC pays out 54% of its earnings as dividends and RLI pays out 16%.
- As of Oct 31, 2026, HSBC's fair-value estimate is 75% above its share price and RLI's fair-value estimate is 49% below its share price, so HSBC looks like the better value of the two on SmarterDividends' blended model.
Cite this page
SmarterDividends, "HSBC vs RLI: Dividend Yield, Safety & Value Compared," updated Oct 31, 2026, https://smarterdividends.com/compare/hsbc-vs-rli
| Metric | HSBC | RLI |
|---|---|---|
| Forward yield | 4.39% | 1.10% |
| Annual dividend | $3.75 | $0.72 |
| Payout ratio | 54% | 16% |
| Years of growth | 0 yr | 38 yr |
| 5-yr dividend growth | -13.8% | 5.8% |
| 5-yr total return | 209% | 27% |
| Dividend safety score | 68 (B) | 99 (A) |
| Fair value estimate | $149.54 | $33.35 |
| Upside to fair value | +75% | -49% |
| Frequency | quarterly | quarterly |
| Market cap | $292.1B | $6.0B |
| P/E ratio | 11.2 | 15.2 |
Higher yield
HSBC
4.39%
Safer dividend
RLI
Grade A
Faster growth
RLI
5.8%
Better value
HSBC
+75% upside
HSBC vs RLI — FAQ
Is HSBC or RLI a better dividend stock?
HSBC and RLI are closely matched. HSBC has the higher yield; RLI scores better on safety.
Which has a higher dividend yield, HSBC or RLI?
HSBC has the higher forward dividend yield at 4.39%, versus 1.10% for RLI.
Is HSBC or RLI safer?
RLI has the higher dividend-safety score (99/100 vs 68/100), reflecting stronger payout coverage and dividend-growth history.
Is HSBC or RLI better value right now?
As of Oct 31, 2026, HSBC looks like the better value: its fair-value estimate is 75% above its share price (undervalued). For RLI, its fair-value estimate is 49% below its share price.
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See more dividend stock comparisons · data refreshes daily · for informational purposes only, not investment advice.