MA vs USB: Which Is the Better Dividend Stock?
As of September 2026, MA (Mastercard Incorporated) screens as the stronger dividend stock, winning 5 of 8 head-to-head metrics. USB offers the higher yield at 3.60%, MA has the higher dividend-safety score, and USB trades at the larger discount to fair value (+97%).
| Metric | MA | USB |
|---|---|---|
| Forward yield | 0.62% | 3.60% |
| Annual dividend | $3.48 | $2.16 |
| Payout ratio | 18% | 42% |
| Years of growth | 14 yr | 15 yr |
| 5-yr dividend growth | 13.7% | 4.0% |
| 5-yr total return | 68% | -1% |
| Dividend safety score | 88 (A) | 85 (A) |
| Fair value estimate | $574.22 | $118.61 |
| Upside to fair value | +2% | +97% |
| Frequency | quarterly | quarterly |
| Market cap | $495.2B | $93.6B |
| P/E ratio | 31.1 | 12.0 |
Higher yield
USB
3.60%
Safer dividend
MA
Grade A
Faster growth
MA
13.7%
Better value
USB
+97% upside
MA vs USB — FAQ
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