HSBC vs XYF: Which Is the Better Dividend Stock?
As of Oct 18, 2026, XYF (X Financial) screens as the stronger dividend stock, winning 4 of 7 head-to-head metrics. XYF offers the higher yield at 11.25%, HSBC has the higher dividend-safety score, and XYF looks like the better value (its fair-value estimate is 147% above its share price).
Key facts: HSBC vs XYF
Data as of · Source: SmarterDividends data
- As of Oct 18, 2026, X Financial (XYF) has the higher forward dividend yield at 11.25%, versus 3.97% for HSBC Holdings plc (HSBC).
- As of Oct 18, 2026, SmarterDividends grades HSBC's dividend safety B (72/100) and XYF's C (57/100).
- As of Oct 18, 2026, HSBC pays out 54% of its earnings as dividends and XYF pays out 27%.
- As of Oct 18, 2026, HSBC's fair-value estimate is 44% above its share price and XYF's fair-value estimate is 147% above its share price, so XYF looks like the better value of the two on SmarterDividends' blended model.
Cite this page
SmarterDividends, "HSBC vs XYF: Dividend Yield, Safety & Value Compared," updated Oct 18, 2026, https://smarterdividends.com/compare/hsbc-vs-xyf
| Metric | HSBC | XYF |
|---|---|---|
| Forward yield | 3.97% | 11.25% |
| Annual dividend | $3.75 | $0.56 |
| Payout ratio | 54% | 27% |
| Years of growth | 0 yr | 1 yr |
| 5-yr dividend growth | -13.8% | — |
| 5-yr total return | 242% | 18% |
| Dividend safety score | 72 (B) | 57 (C) |
| Fair value estimate | $135.99 | $12.32 |
| Upside to fair value | +44% | +147% |
| Frequency | quarterly | annual |
| Market cap | $323.4B | $183.9M |
| P/E ratio | 13.5 | 2.4 |
Higher yield
XYF
11.25%
Safer dividend
HSBC
Grade B
Faster growth
HSBC
-13.8%
Better value
XYF
+147% upside
HSBC vs XYF — FAQ
Is HSBC or XYF a better dividend stock?
On the data, XYF wins more head-to-head categories (4 vs 3). XYF offers the higher yield (11.25%), while HSBC 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 XYF?
XYF has the higher forward dividend yield at 11.25%, versus 3.97% for HSBC.
Is HSBC or XYF safer?
HSBC has the higher dividend-safety score (72/100 vs 57/100), reflecting stronger payout coverage and dividend-growth history.
Is HSBC or XYF better value right now?
As of Oct 18, 2026, XYF looks like the better value: its fair-value estimate is 147% above its share price (undervalued). For HSBC, its fair-value estimate is 44% above its share price.
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See more dividend stock comparisons · data refreshes daily · for informational purposes only, not investment advice.