MA vs XP: Which Is the Better Dividend Stock?
As of September 2026, MA (Mastercard Incorporated) screens as the stronger dividend stock, winning 5 of 7 head-to-head metrics. XP offers the higher yield at 0.96%, MA has the higher dividend-safety score, and XP trades at the larger discount to fair value (+177%).
| Metric | MA | XP |
|---|---|---|
| Forward yield | 0.62% | 0.96% |
| Annual dividend | $3.48 | $0.20 |
| Payout ratio | 18% | 20% |
| Years of growth | 14 yr | 0 yr |
| 5-yr dividend growth | 13.7% | — |
| 5-yr total return | 68% | -39% |
| Dividend safety score | 88 (A) | 54 (C) |
| Fair value estimate | $574.22 | $55.39 |
| Upside to fair value | +2% | +177% |
| Frequency | quarterly | annual |
| Market cap | $491.5B | $10.5B |
| P/E ratio | 30.9 | 10.4 |
Higher yield
XP
0.96%
Safer dividend
MA
Grade A
Faster growth
MA
13.7%
Better value
XP
+177% upside
MA vs XP — FAQ
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