HSBC vs UFCS: Which Is the Better Dividend Stock?
As of Oct 25, 2026, HSBC (HSBC Holdings plc) screens as the stronger dividend stock, winning 4 of 7 head-to-head metrics. HSBC offers the higher yield at 4.14%, UFCS has the higher dividend-safety score, and HSBC looks like the better value (its fair-value estimate is 52% above its share price).
Key facts: HSBC vs UFCS
Data as of · Source: SmarterDividends data
- As of Oct 25, 2026, HSBC Holdings plc (HSBC) has the higher forward dividend yield at 4.14%, versus 1.39% for United Fire Group, Inc. (UFCS).
- As of Oct 25, 2026, SmarterDividends grades HSBC's dividend safety B (72/100) and UFCS's B (73/100).
- As of Oct 25, 2026, HSBC pays out 54% of its earnings as dividends and UFCS pays out 13%.
- As of Oct 25, 2026, HSBC's fair-value estimate is 52% above its share price and UFCS's fair-value estimate is 33% above its share price, so HSBC looks like the better value of the two on SmarterDividends' blended model.
Cite this page
SmarterDividends, "HSBC vs UFCS: Dividend Yield, Safety & Value Compared," updated Oct 25, 2026, https://smarterdividends.com/compare/hsbc-vs-ufcs
| Metric | HSBC | UFCS |
|---|---|---|
| Forward yield | 4.14% | 1.39% |
| Annual dividend | $3.75 | $0.80 |
| Payout ratio | 54% | 13% |
| Years of growth | 0 yr | 0 yr |
| 5-yr dividend growth | -13.8% | -10.9% |
| 5-yr total return | 228% | 174% |
| Dividend safety score | 72 (B) | 73 (B) |
| Fair value estimate | $137.57 | $76.53 |
| Upside to fair value | +52% | +33% |
| Frequency | quarterly | quarterly |
| Market cap | $310.1B | $1.5B |
| P/E ratio | 13.0 | 10.6 |
Higher yield
HSBC
4.14%
Safer dividend
UFCS
Grade B
Faster growth
UFCS
-10.9%
Better value
HSBC
+52% upside
HSBC vs UFCS — FAQ
Is HSBC or UFCS a better dividend stock?
On the data, HSBC wins more head-to-head categories (4 vs 3). HSBC offers the higher yield (4.14%), while UFCS 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 UFCS?
HSBC has the higher forward dividend yield at 4.14%, versus 1.39% for UFCS.
Is HSBC or UFCS safer?
UFCS has the higher dividend-safety score (73/100 vs 72/100), reflecting stronger payout coverage and dividend-growth history.
Is HSBC or UFCS better value right now?
As of Oct 25, 2026, HSBC looks like the better value: its fair-value estimate is 52% above its share price (undervalued). For UFCS, its fair-value estimate is 33% above its share price.
Related comparisons
See more dividend stock comparisons · data refreshes daily · for informational purposes only, not investment advice.