MA vs RFMZ: Which Is the Better Dividend Stock?
As of Nov 5, 2026, MA (Mastercard Incorporated) screens as the stronger dividend stock, winning 5 of 7 head-to-head metrics. RFMZ offers the higher yield at 7.95%, MA has the higher dividend-safety score, and RFMZ looks like the better value (its fair-value estimate is 4% above its share price).
Key facts: MA vs RFMZ
Data as of · Source: SmarterDividends data
- As of Nov 5, 2026, RiverNorth Flexible Municipal Income Fund II, Inc. (RFMZ) has the higher forward dividend yield at 7.95%, versus 0.52% for Mastercard Incorporated (MA).
- As of Nov 5, 2026, SmarterDividends grades MA's dividend safety A (89/100) and RFMZ's C (50/100).
- By SmarterDividends' count as of Nov 5, 2026, MA has raised its dividend for 14 consecutive years and RFMZ for 0.
- As of Nov 5, 2026, MA pays out 18% of its earnings as dividends and RFMZ pays out 62%.
- As of Nov 5, 2026, MA's fair-value estimate is 25% below its share price and RFMZ's fair-value estimate is 4% above its share price, so RFMZ looks like the better value of the two on SmarterDividends' blended model.
Cite this page
SmarterDividends, "MA vs RFMZ: Dividend Yield, Safety & Value Compared," updated Nov 5, 2026, https://smarterdividends.com/compare/ma-vs-rfmz
| Metric | MA | RFMZ |
|---|---|---|
| Forward yield | 0.52% | 7.95% |
| Annual dividend | $3.48 | $0.96 |
| Payout ratio | 18% | 62% |
| Years of growth | 14 yr | 0 yr |
| 5-yr dividend growth | 13.7% | — |
| 5-yr total return | 103% | -40% |
| Dividend safety score | 89 (A) | 50 (C) |
| Fair value estimate | $499.25 | $12.52 |
| Upside to fair value | -25% | +4% |
| Frequency | quarterly | monthly |
| Market cap | $578.5B | $293.5M |
| P/E ratio | 34.7 | 7.5 |
Higher yield
RFMZ
7.95%
Safer dividend
MA
Grade A
Faster growth
MA
13.7%
Better value
RFMZ
+4% upside
MA vs RFMZ — FAQ
Is MA or RFMZ a better dividend stock?
On the data, MA wins more head-to-head categories (5 vs 2). RFMZ offers the higher yield (7.95%), while MA has the stronger dividend-safety score. The right pick depends on whether you prioritise income, safety or value.
Which has a higher dividend yield, MA or RFMZ?
RFMZ has the higher forward dividend yield at 7.95%, versus 0.52% for MA.
Is MA or RFMZ safer?
MA has the higher dividend-safety score (89/100 vs 50/100), reflecting stronger payout coverage and dividend-growth history.
Is MA or RFMZ better value right now?
As of Nov 5, 2026, RFMZ looks like the better value: its fair-value estimate is 4% above its share price (fairly valued). For MA, its fair-value estimate is 25% below its share price.
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See more dividend stock comparisons · data refreshes daily · for informational purposes only, not investment advice.