HomeCompareADC vs DFS

ADC vs DFS: Dividend Comparison 2026

ADC yields 4.13% · DFS yields 1.40%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 DFS wins by $206.5K in total portfolio value· pulled ahead in Year 7
10 years
ADC
Agree Realty Corporation
● Live price
4.13%
Share price
$74.97
Annual div
$3.10
5Y div CAGR
40.4%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$178.9K
Annual income
$80,797.29
Full ADC calculator →
DFS
DFS
● Live price
1.40%
Share price
$200.05
Annual div
$2.80
5Y div CAGR
71.5%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$385.5K
Annual income
$235,247.16
Full DFS calculator →

Portfolio growth — ADC vs DFS

📍 DFS pulled ahead of the other in Year 7

Annual dividend income

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Recession Test — Did They Cut Dividends?

How each stock treated shareholders during the 3 biggest crises of the last 20 years

Crisis PeriodADCDFS
2008–2009
GFC
— No data— No data
2020 Q1–Q2
COVID
— No data— No data
2022 Q4
Rate Hike
— No data— No data
Based on dividend payment history. "Increased" = dividend grew during crisis. "Maintained" = held within 3%. "Cut" = reduced by more than 3%.
📅

Dividend Calendar Overlap

Combined, ADC + DFS cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
ADC pays
DFS pays
Both pay
Neither
💰

Tax Bracket Optimizer

Which stock is actually better after tax? Adjust your rate to find out.

ADC
Annual income on $10K today (after 15% tax)
$351.36/yr
After 10yr DRIP, annual income (after tax)
$68,677.70/yr
DFS
Annual income on $10K today (after 15% tax)
$118.97/yr
After 10yr DRIP, annual income (after tax)
$199,960.09/yr
At 15% tax rate, DFS beats the other by $131,282.39/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of ADC + DFS for your $10,000?

ADC: 50%DFS: 50%
100% DFS50/50100% ADC
Portfolio after 10yr
$282.2K
Annual income
$158,022.23/yr
Blended yield
56.00%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on DFS right now

ADC
Analyst Ratings
1
Strong
22
Buy
9
Hold
Consensus: Buy
Price Target
$81.06
+8.1% upside vs current
Range: $75.00 — $84.50
Altman Z
1.6
Piotroski
7/9
DFS
Analyst Ratings
28
Buy
17
Hold
Consensus: Buy
Price Target
$142.26
-28.9% upside vs current
Range: $104.00 — $214.00
Altman Z
0.2
Piotroski
7/9
Analyst ratings via FMP. Altman Z-Score: >3.0 safe, 1.81–3.0 grey zone, <1.81 distress. Piotroski: 7–9 strong, 0–3 weak.
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

ADC buys
7
DFS buys
6
PoliticianChamberTickerTypeAmountDate
Gilbert Cisneros🏢 House$ADC▼ Sell$15,001 - $50,0002026-01-15
Lisa McClain🏢 House$ADC▼ Sell$1,001 - $15,0002025-09-25
Lisa McClain🏢 House$ADC▲ Buy$1,001 - $15,0002025-08-13
Lisa McClain🏢 House$ADC▼ Sell$1,001 - $15,0002025-06-17
Lisa McClain🏢 House$ADC▼ Sell$1,001 - $15,0002025-06-17
Lisa McClain🏢 House$ADC▲ Buy$1,001 - $15,0002025-06-11
Lisa McClain🏢 House$ADC▲ Buy$1,001 - $15,0002025-06-11
Josh Gottheimer🏢 House$ADC▼ Sell$1,001 - $15,0002025-04-09
Julie Johnson🏢 House$DFS▼ Sell$1,001 - $15,0002025-04-07
Jefferson Shreve🏢 House$DFS▼ Sell$15,001 - $50,0002025-04-07
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricADCDFS
Forward yield4.13%1.40%
Annual dividend / share$3.10$2.80
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR40.4%71.5%
Portfolio after 10y$178.9K$385.5K
Annual income after 10y$80,797.29$235,247.16
Total dividends collected$156.7K$350.7K
Payment frequencymonthlyquarterly
SectorREITFinancials
Analyst consensusBuyBuy
Analyst price target$81.06$142.26

Year-by-year: ADC vs DFS ($10,000, DRIP)

YearADC PortfolioADC Income/yrDFS PortfolioDFS Income/yrGap
1$10,990$580.36$10,940$240.04+$50.00ADC
2$12,301$860.26$12,127$420.90+$174.00ADC
3$14,104$1,298.62$13,723$747.81+$381.00ADC
4$16,691$2,008.16$16,040$1,356.40+$651.00ADC
5$20,580$3,205.09$19,704$2,541.10+$876.00ADC
6$26,754$5,330.02$26,087$5,003.21+$667.00ADC
7← crossover$37,196$9,345.14$38,530$10,616.67$1.3KDFS
8$56,244$17,523.09$66,360$25,132.82$10.1KDFS
9$94,286$35,736.21$140,384$69,379.29$46.1KDFS
10$178,949$80,797.29$385,458$235,247.16$206.5KDFS

ADC vs DFS: Complete Analysis 2026

ADCREIT

Agree Realty Corporation is a publicly traded real estate investment trust primarily engaged in the acquisition and development of properties net leased to industry-leading retail tenants. As of September 30, 2020, the Company owned and operated a portfolio of 1,027 properties, located in 45 states and containing approximately 21.0 million square feet of gross leasable area. The Company's common stock is listed on the New York Stock Exchange under the symbol ADC.

Full ADC Calculator →

DFSFinancials

Discover Financial Services, through its subsidiaries, provides digital banking products and services, and payment services in the United States. It operates in two segments, Digital Banking and Payment Services. The Digital Banking segment offers Discover-branded credit cards to individuals; private student loans, personal loans, home loans, and other consumer lending; and direct-to-consumer deposit products comprising savings accounts, certificates of deposit, money market accounts, IRA certificates of deposit, IRA savings accounts and checking accounts, and sweep accounts. The Payment Services segment operates the PULSE, an automated teller machine, debit, and electronic funds transfer network; and Diners Club International, a payments network that issues Diners Club branded charge cards and/or provides card acceptance services, as well as offers payment transaction processing and settlement services. The company was incorporated in 1960 and is based in Riverwoods, Illinois.

Full DFS Calculator →
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⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.