HSBC vs UNM: Which Is the Better Dividend Stock?
As of August 2026, HSBC and UNM are closely matched. HSBC offers the higher yield at 3.60%, UNM has the higher dividend-safety score, and HSBC trades at the larger discount to fair value (+30%).
| Metric | HSBC | UNM |
|---|---|---|
| Forward yield | 3.60% | 2.30% |
| Annual dividend | $3.75 | $2.02 |
| Payout ratio | 54% | 43% |
| Years of growth | 0 yr | 17 yr |
| 5-yr dividend growth | -13.8% | 9.1% |
| 5-yr total return | 298% | 250% |
| Dividend safety score | 72 (B) | 92 (A) |
| Fair value estimate | $135.81 | $82.48 |
| Upside to fair value | +30% | -6% |
| Frequency | quarterly | quarterly |
| Market cap | $357.0B | $13.9B |
| P/E ratio | 14.9 | 20.4 |
Higher yield
HSBC
3.60%
Safer dividend
UNM
Grade A
Faster growth
UNM
9.1%
Better value
HSBC
+30% upside
HSBC vs UNM — FAQ
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