MSFT vs XSIAX: Which Is the Better Dividend Stock?
As of Nov 8, 2026, MSFT (Microsoft Corporation) screens as the stronger dividend stock, winning 4 of 7 head-to-head metrics. XSIAX offers the higher yield at 6.08%, MSFT has the higher dividend-safety score, and XSIAX looks like the better value (its fair-value estimate is 112% above its share price).
Key facts: MSFT vs XSIAX
Data as of · Source: SmarterDividends data
- As of Nov 8, 2026, Voya Credit Income A (XSIAX) has the higher forward dividend yield at 6.08%, versus 0.74% for Microsoft Corporation (MSFT).
- As of Nov 8, 2026, SmarterDividends grades MSFT's dividend safety A (97/100) and XSIAX's C (62/100).
- By SmarterDividends' count as of Nov 8, 2026, MSFT has raised its dividend for 20 consecutive years and XSIAX for 0.
- As of Nov 8, 2026, MSFT's fair-value estimate is 39% below its share price and XSIAX's fair-value estimate is 112% above its share price, so XSIAX looks like the better value of the two on SmarterDividends' blended model.
Cite this page
SmarterDividends, "MSFT vs XSIAX: Dividend Yield, Safety & Value Compared," updated Nov 8, 2026, https://smarterdividends.com/compare/msft-vs-xsiax
| Metric | MSFT | XSIAX |
|---|---|---|
| Forward yield | 0.74% | 6.08% |
| Annual dividend | $3.92 | $0.84 |
| Payout ratio | 19% | — |
| Years of growth | 20 yr | 0 yr |
| 5-yr dividend growth | 10.2% | 14.7% |
| 5-yr total return | 61% | -16% |
| Dividend safety score | 97 (A) | 62 (C) |
| Fair value estimate | $324.21 | $19.24 |
| Upside to fair value | -39% | +112% |
| Frequency | quarterly | monthly |
| Market cap | $3.9T | — |
| P/E ratio | 27.7 | — |
Higher yield
XSIAX
6.08%
Safer dividend
MSFT
Grade A
Faster growth
XSIAX
14.7%
Better value
XSIAX
+112% upside
MSFT vs XSIAX — FAQ
Is MSFT or XSIAX a better dividend stock?
On the data, MSFT wins more head-to-head categories (4 vs 3). XSIAX offers the higher yield (6.08%), 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 XSIAX?
XSIAX has the higher forward dividend yield at 6.08%, versus 0.74% for MSFT.
Is MSFT or XSIAX safer?
MSFT has the higher dividend-safety score (97/100 vs 62/100), reflecting stronger payout coverage and dividend-growth history.
Is MSFT or XSIAX better value right now?
As of Nov 8, 2026, XSIAX looks like the better value: its fair-value estimate is 112% above its share price (undervalued). For MSFT, its fair-value estimate is 39% below its share price.
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See more dividend stock comparisons · data refreshes daily · for informational purposes only, not investment advice.