MSFT vs UMC: Which Is the Better Dividend Stock?
As of September 2026, UMC (United Microelectronics Corporation) screens as the stronger dividend stock, winning 5 of 8 head-to-head metrics. UMC offers the higher yield at 1.63%, MSFT has the higher dividend-safety score, and UMC trades at the larger discount to fair value (+48%).
| Metric | MSFT | UMC |
|---|---|---|
| Forward yield | 0.79% | 1.63% |
| Annual dividend | $3.92 | $0.40 |
| Payout ratio | 20% | 0% |
| Years of growth | 20 yr | 1 yr |
| 5-yr dividend growth | 10.2% | 28.8% |
| 5-yr total return | 49% | 140% |
| Dividend safety score | 97 (A) | 54 (C) |
| Fair value estimate | $395.71 | $36.35 |
| Upside to fair value | -20% | +48% |
| Frequency | quarterly | annual |
| Market cap | $3.7T | $61.7B |
| P/E ratio | 27.5 | 23.9 |
Higher yield
UMC
1.63%
Safer dividend
MSFT
Grade A
Faster growth
UMC
28.8%
Better value
UMC
+48% upside
MSFT vs UMC — FAQ
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