HSBC vs XP: Which Is the Better Dividend Stock?
As of September 2026, HSBC (HSBC Holdings plc) screens as the stronger dividend stock, winning 4 of 6 head-to-head metrics. HSBC offers the higher yield at 3.74%, HSBC has the higher dividend-safety score, and XP trades at the larger discount to fair value (+177%).
| Metric | HSBC | XP |
|---|---|---|
| Forward yield | 3.74% | 0.96% |
| Annual dividend | $3.75 | $0.20 |
| Payout ratio | 54% | 20% |
| Years of growth | 0 yr | 0 yr |
| 5-yr dividend growth | -13.8% | — |
| 5-yr total return | 239% | -39% |
| Dividend safety score | 72 (B) | 54 (C) |
| Fair value estimate | $138.49 | $55.39 |
| Upside to fair value | +36% | +177% |
| Frequency | quarterly | annual |
| Market cap | $343.1B | $10.5B |
| P/E ratio | 14.3 | 10.4 |
Higher yield
HSBC
3.74%
Safer dividend
HSBC
Grade B
Faster growth
HSBC
-13.8%
Better value
XP
+177% upside
HSBC vs XP — FAQ
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