MA vs UNIB: Which Is the Better Dividend Stock?
As of Oct 7, 2026, MA (Mastercard Incorporated) screens as the stronger dividend stock, winning 6 of 8 head-to-head metrics. UNIB offers the higher yield at 1.89%, MA has the higher dividend-safety score, and MA looks like the better value (its fair-value estimate is 16% below its share price).
Key facts: MA vs UNIB
Data as of · Source: SmarterDividends data
- As of Oct 7, 2026, University Bancorp, Inc. (UNIB) has the higher forward dividend yield at 1.89%, versus 0.61% for Mastercard Incorporated (MA).
- As of Oct 7, 2026, SmarterDividends grades MA's dividend safety A (88/100) and UNIB's C (59/100).
- By SmarterDividends' count as of Oct 7, 2026, MA has raised its dividend for 14 consecutive years and UNIB for 0.
- As of Oct 7, 2026, MA pays out 18% of its earnings as dividends and UNIB pays out 18%.
- As of Oct 7, 2026, MA's fair-value estimate is 16% below its share price and UNIB's fair-value estimate is 37% below its share price, so MA looks like the better value of the two on SmarterDividends' blended model.
Cite this page
SmarterDividends, "MA vs UNIB: Dividend Yield, Safety & Value Compared," updated Oct 7, 2026, https://smarterdividends.com/compare/ma-vs-unib
| Metric | MA | UNIB |
|---|---|---|
| Forward yield | 0.61% | 1.89% |
| Annual dividend | $3.48 | $0.40 |
| Payout ratio | 18% | 18% |
| Years of growth | 14 yr | 0 yr |
| 5-yr dividend growth | 13.7% | -7.8% |
| 5-yr total return | 65% | 27% |
| Dividend safety score | 88 (A) | 59 (C) |
| Fair value estimate | $477.57 | $13.25 |
| Upside to fair value | -16% | -37% |
| Frequency | quarterly | weekly |
| Market cap | $496.3B | $109.3M |
| P/E ratio | 31.2 | 12.4 |
Higher yield
UNIB
1.89%
Safer dividend
MA
Grade A
Faster growth
MA
13.7%
Better value
MA
-16% upside
MA vs UNIB — FAQ
Is MA or UNIB a better dividend stock?
On the data, MA wins more head-to-head categories (6 vs 2). UNIB offers the higher yield (1.89%), 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 UNIB?
UNIB has the higher forward dividend yield at 1.89%, versus 0.61% for MA.
Is MA or UNIB safer?
MA has the higher dividend-safety score (88/100 vs 59/100), reflecting stronger payout coverage and dividend-growth history.
Is MA or UNIB better value right now?
As of Oct 7, 2026, MA looks like the better value: its fair-value estimate is 16% below its share price (overvalued). For UNIB, its fair-value estimate is 37% below its share price.
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See more dividend stock comparisons · data refreshes daily · for informational purposes only, not investment advice.