JPM vs XYF: Which Is the Better Dividend Stock?
As of Oct 18, 2026, JPM (JPMorgan Chase & Co.) screens as the stronger dividend stock, winning 5 of 7 head-to-head metrics. XYF offers the higher yield at 11.25%, JPM 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: JPM 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 1.94% for JPMorgan Chase & Co. (JPM).
- As of Oct 18, 2026, SmarterDividends grades JPM's dividend safety A (82/100) and XYF's C (57/100).
- By SmarterDividends' count as of Oct 18, 2026, JPM has raised its dividend for 15 consecutive years and XYF for 1.
- As of Oct 18, 2026, JPM pays out 26% of its earnings as dividends and XYF pays out 27%.
- As of Oct 18, 2026, JPM's fair-value estimate is 7% 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, "JPM vs XYF: Dividend Yield, Safety & Value Compared," updated Oct 18, 2026, https://smarterdividends.com/compare/jpm-vs-xyf
| Metric | JPM | XYF |
|---|---|---|
| Forward yield | 1.94% | 11.25% |
| Annual dividend | $6.60 | $0.56 |
| Payout ratio | 26% | 27% |
| Years of growth | 15 yr | 1 yr |
| 5-yr dividend growth | 9.0% | — |
| 5-yr total return | 114% | 18% |
| Dividend safety score | 82 (A) | 57 (C) |
| Fair value estimate | $364.60 | $12.32 |
| Upside to fair value | +7% | +147% |
| Frequency | quarterly | annual |
| Market cap | $902.2B | $183.9M |
| P/E ratio | 14.3 | 2.4 |
Higher yield
XYF
11.25%
Safer dividend
JPM
Grade A
Faster growth
JPM
9.0%
Better value
XYF
+147% upside
JPM vs XYF — FAQ
Is JPM or XYF a better dividend stock?
On the data, JPM wins more head-to-head categories (5 vs 2). XYF offers the higher yield (11.25%), while JPM has the stronger dividend-safety score. The right pick depends on whether you prioritise income, safety or value.
Which has a higher dividend yield, JPM or XYF?
XYF has the higher forward dividend yield at 11.25%, versus 1.94% for JPM.
Is JPM or XYF safer?
JPM has the higher dividend-safety score (82/100 vs 57/100), reflecting stronger payout coverage and dividend-growth history.
Is JPM 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 JPM, its fair-value estimate is 7% above its share price.
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See more dividend stock comparisons · data refreshes daily · for informational purposes only, not investment advice.