MA vs PFSI: Which Is the Better Dividend Stock?
As of Oct 18, 2026, MA and PFSI are closely matched. PFSI offers the higher yield at 1.99%, MA has the higher dividend-safety score, and PFSI looks like the better value (its fair-value estimate is 6% below its share price).
Key facts: MA vs PFSI
Data as of · Source: SmarterDividends data
- As of Oct 18, 2026, PennyMac Financial Services, Inc. (PFSI) has the higher forward dividend yield at 1.99%, versus 0.56% for Mastercard Incorporated (MA).
- As of Oct 18, 2026, SmarterDividends grades MA's dividend safety A (89/100) and PFSI's B (67/100).
- By SmarterDividends' count as of Oct 18, 2026, MA has raised its dividend for 14 consecutive years and PFSI for 2.
- As of Oct 18, 2026, MA pays out 18% of its earnings as dividends and PFSI pays out 17%.
- As of Oct 18, 2026, MA's fair-value estimate is 23% below its share price and PFSI's fair-value estimate is 6% below its share price, so PFSI looks like the better value of the two on SmarterDividends' blended model.
Cite this page
SmarterDividends, "MA vs PFSI: Dividend Yield, Safety & Value Compared," updated Oct 18, 2026, https://smarterdividends.com/compare/ma-vs-pfsi
| Metric | MA | PFSI |
|---|---|---|
| Forward yield | 0.56% | 1.99% |
| Annual dividend | $3.48 | $1.20 |
| Payout ratio | 18% | 17% |
| Years of growth | 14 yr | 2 yr |
| 5-yr dividend growth | 13.7% | 17.3% |
| 5-yr total return | 96% | -5% |
| Dividend safety score | 89 (A) | 67 (B) |
| Fair value estimate | $474.95 | $56.65 |
| Upside to fair value | -23% | -6% |
| Frequency | quarterly | quarterly |
| Market cap | $540.9B | $3.1B |
| P/E ratio | 34.0 | 8.3 |
Higher yield
PFSI
1.99%
Safer dividend
MA
Grade A
Faster growth
PFSI
17.3%
Better value
PFSI
-6% upside
MA vs PFSI — FAQ
Is MA or PFSI a better dividend stock?
MA and PFSI are closely matched. PFSI has the higher yield; MA scores better on safety.
Which has a higher dividend yield, MA or PFSI?
PFSI has the higher forward dividend yield at 1.99%, versus 0.56% for MA.
Is MA or PFSI safer?
MA has the higher dividend-safety score (89/100 vs 67/100), reflecting stronger payout coverage and dividend-growth history.
Is MA or PFSI better value right now?
As of Oct 18, 2026, PFSI looks like the better value: its fair-value estimate is 6% below its share price (fairly valued). For MA, its fair-value estimate is 23% below its share price.
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See more dividend stock comparisons · data refreshes daily · for informational purposes only, not investment advice.