MSFT vs UMC: Which Is the Better Dividend Stock?
As of July 2026, MSFT (Microsoft Corporation) screens as the stronger dividend stock, winning 5 of 8 head-to-head metrics. UMC offers the higher yield at 1.94%, MSFT has the higher dividend-safety score, and MSFT trades at the larger discount to fair value (-10%).
| Metric | MSFT | UMC |
|---|---|---|
| Forward yield | 0.92% | 1.94% |
| Annual dividend | $3.64 | $0.41 |
| Payout ratio | 21% | 71% |
| Years of growth | 20 yr | 1 yr |
| 5-yr dividend growth | 10.2% | 28.8% |
| 5-yr total return | 30% | 87% |
| Dividend safety score | 91 (A) | 57 (C) |
| Fair value estimate | $354.91 | $13.48 |
| Upside to fair value | -10% | -37% |
| Frequency | quarterly | annual |
| Market cap | $3.0T | $50.9B |
| P/E ratio | 23.5 | 34.4 |
Higher yield
UMC
1.94%
Safer dividend
MSFT
Grade A
Faster growth
UMC
28.8%
Better value
MSFT
-10% upside
MSFT vs UMC — FAQ
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