MSFT vs SAPGF: Which Is the Better Dividend Stock?
As of Nov 5, 2026, MSFT (Microsoft Corporation) screens as the stronger dividend stock, winning 5 of 8 head-to-head metrics. SAPGF offers the higher yield at 1.23%, MSFT has the higher dividend-safety score, and SAPGF looks like the better value (its fair-value estimate is 37% below its share price).
Key facts: MSFT vs SAPGF
Data as of · Source: SmarterDividends data
- As of Nov 5, 2026, SAP SE (SAPGF) has the higher forward dividend yield at 1.23%, versus 0.71% for Microsoft Corporation (MSFT).
- As of Nov 5, 2026, SmarterDividends grades MSFT's dividend safety A (97/100) and SAPGF's C (62/100).
- By SmarterDividends' count as of Nov 5, 2026, MSFT has raised its dividend for 20 consecutive years and SAPGF for 2.
- As of Nov 5, 2026, MSFT pays out 19% of its earnings as dividends and SAPGF pays out 36%.
- As of Nov 5, 2026, MSFT's fair-value estimate is 41% below its share price and SAPGF's fair-value estimate is 37% below its share price, so SAPGF looks like the better value of the two on SmarterDividends' blended model.
Cite this page
SmarterDividends, "MSFT vs SAPGF: Dividend Yield, Safety & Value Compared," updated Nov 5, 2026, https://smarterdividends.com/compare/msft-vs-sapgf
| Metric | MSFT | SAPGF |
|---|---|---|
| Forward yield | 0.71% | 1.23% |
| Annual dividend | $3.92 | $2.93 |
| Payout ratio | 19% | 36% |
| Years of growth | 20 yr | 2 yr |
| 5-yr dividend growth | 10.2% | 8.7% |
| 5-yr total return | 58% | 80% |
| Dividend safety score | 97 (A) | 62 (C) |
| Fair value estimate | $318.13 | $152.19 |
| Upside to fair value | -41% | -37% |
| Frequency | quarterly | annual |
| Market cap | $4.0T | $280.4B |
| P/E ratio | 28.3 | 30.2 |
Higher yield
SAPGF
1.23%
Safer dividend
MSFT
Grade A
Faster growth
MSFT
10.2%
Better value
SAPGF
-37% upside
MSFT vs SAPGF — FAQ
Is MSFT or SAPGF a better dividend stock?
On the data, MSFT wins more head-to-head categories (5 vs 3). SAPGF offers the higher yield (1.23%), while MSFT has the stronger dividend-safety score. The right pick depends on whether you prioritise income, safety or value.
Which has a higher dividend yield, MSFT or SAPGF?
SAPGF has the higher forward dividend yield at 1.23%, versus 0.71% for MSFT.
Is MSFT or SAPGF safer?
MSFT has the higher dividend-safety score (97/100 vs 62/100), reflecting stronger payout coverage and dividend-growth history.
Is MSFT or SAPGF better value right now?
As of Nov 5, 2026, SAPGF looks like the better value: its fair-value estimate is 37% below its share price (overvalued). For MSFT, its fair-value estimate is 41% below its share price.
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See more dividend stock comparisons · data refreshes daily · for informational purposes only, not investment advice.