MA vs XYF: Which Is the Better Dividend Stock?
As of Oct 18, 2026, MA (Mastercard Incorporated) screens as the stronger dividend stock, winning 5 of 7 head-to-head metrics. XYF offers the higher yield at 11.25%, MA has the higher dividend-safety score, and XYF looks like the better value (its fair-value estimate is 147% above its share price).
Key facts: MA vs XYF
Data as of · Source: SmarterDividends data
- As of Oct 18, 2026, X Financial (XYF) has the higher forward dividend yield at 11.25%, versus 0.56% for Mastercard Incorporated (MA).
- As of Oct 18, 2026, SmarterDividends grades MA's dividend safety A (89/100) and XYF's C (57/100).
- By SmarterDividends' count as of Oct 18, 2026, MA has raised its dividend for 14 consecutive years and XYF for 1.
- As of Oct 18, 2026, MA pays out 18% of its earnings as dividends and XYF pays out 27%.
- As of Oct 18, 2026, MA's fair-value estimate is 23% below its share price and XYF's fair-value estimate is 147% above its share price, so XYF looks like the better value of the two on SmarterDividends' blended model.
Cite this page
SmarterDividends, "MA vs XYF: Dividend Yield, Safety & Value Compared," updated Oct 18, 2026, https://smarterdividends.com/compare/ma-vs-xyf
| Metric | MA | XYF |
|---|---|---|
| Forward yield | 0.56% | 11.25% |
| Annual dividend | $3.48 | $0.56 |
| Payout ratio | 18% | 27% |
| Years of growth | 14 yr | 1 yr |
| 5-yr dividend growth | 13.7% | — |
| 5-yr total return | 96% | 18% |
| Dividend safety score | 89 (A) | 57 (C) |
| Fair value estimate | $474.95 | $12.32 |
| Upside to fair value | -23% | +147% |
| Frequency | quarterly | annual |
| Market cap | $540.9B | $183.9M |
| P/E ratio | 34.0 | 2.4 |
Higher yield
XYF
11.25%
Safer dividend
MA
Grade A
Faster growth
MA
13.7%
Better value
XYF
+147% upside
MA vs XYF — FAQ
Is MA or XYF a better dividend stock?
On the data, MA wins more head-to-head categories (5 vs 2). XYF offers the higher yield (11.25%), 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 XYF?
XYF has the higher forward dividend yield at 11.25%, versus 0.56% for MA.
Is MA or XYF safer?
MA has the higher dividend-safety score (89/100 vs 57/100), reflecting stronger payout coverage and dividend-growth history.
Is MA or XYF better value right now?
As of Oct 18, 2026, XYF looks like the better value: its fair-value estimate is 147% above its share price (undervalued). 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.