HomeCompareAEP vs DFS

AEP vs DFS: Dividend Comparison 2026

AEP yields 2.87% · DFS yields 1.40%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 DFS wins by $323.2K in total portfolio value· pulled ahead in Year 5
10 years
AEP
AEP
● Live price
2.87%
Share price
$131.12
Annual div
$3.76
5Y div CAGR
34.6%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$62.3K
Annual income
$13,789.46
Full AEP 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 — AEP vs DFS

📍 DFS pulled ahead of the other in Year 5

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 PeriodAEPDFS
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, AEP + DFS cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

AEP
Annual income on $10K today (after 15% tax)
$243.75/yr
After 10yr DRIP, annual income (after tax)
$11,721.04/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 $188,239.05/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

AEP: 50%DFS: 50%
100% DFS50/50100% AEP
Portfolio after 10yr
$223.9K
Annual income
$124,518.31/yr
Blended yield
55.62%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on DFS right now

AEP
Analyst Ratings
21
Buy
14
Hold
Consensus: Buy
Price Target
$132.75
+1.2% upside vs current
Range: $107.00 — $150.00
Altman Z
0.9
Piotroski
6/9
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)

AEP buys
0
DFS buys
6
PoliticianChamberTickerTypeAmountDate
Julie Johnson🏢 House$DFS▼ Sell$1,001 - $15,0002025-04-07
Jefferson Shreve🏢 House$DFS▼ Sell$15,001 - $50,0002025-04-07
Michael McCaul🏢 House$DFS▼ Sell$15,001 - $50,0002025-01-09
Michael McCaul🏢 House$DFS▼ Sell$1,001 - $15,0002024-11-19
John James🏢 House$DFS▼ Sell$1,001 - $15,0002024-09-04
Michael McCaul🏢 House$DFS▼ Sell$15,001 - $50,0002024-08-26
Scott Mr Franklin🏢 House$DFS▼ Sell$50,001 - $100,0002024-08-06
Scott Mr Franklin🏢 House$DFS▼ Sell$1,001 - $15,0002024-08-01
John James🏢 House$DFS▲ Buy$1,001 - $15,0002024-07-18
Michael McCaul🏢 House$DFS▲ Buy$15,001 - $50,0002024-03-18
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricAEPDFS
Forward yield2.87%1.40%
Annual dividend / share$3.76$2.80
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR34.6%71.5%
Portfolio after 10y$62.3K$385.5K
Annual income after 10y$13,789.46$235,247.16
Total dividends collected$37.4K$350.7K
Payment frequencyquarterlyquarterly
SectorUtilitiesFinancials
Analyst consensusBuyBuy
Analyst price target$132.75$142.26

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

YearAEP PortfolioAEP Income/yrDFS PortfolioDFS Income/yrGap
1$11,086$385.98$10,940$240.04+$146.00AEP
2$12,400$538.27$12,127$420.90+$273.00AEP
3$14,026$757.39$13,723$747.81+$303.00AEP
4$16,085$1,077.63$16,040$1,356.40+$45.00AEP
5← crossover$18,766$1,554.65$19,704$2,541.10$938.00DFS
6$22,361$2,281.58$26,087$5,003.21$3.7KDFS
7$27,346$3,419.96$38,530$10,616.67$11.2KDFS
8$34,522$5,261.24$66,360$25,132.82$31.8KDFS
9$45,293$8,354.97$140,384$69,379.29$95.1KDFS
10$62,253$13,789.46$385,458$235,247.16$323.2KDFS

AEP vs DFS: Complete Analysis 2026

AEPUtilities

American Electric Power Company, Inc., an electric public utility holding company, engages in the generation, transmission, and distribution of electricity for sale to retail and wholesale customers in the United States. It operates through Vertically Integrated Utilities, Transmission and Distribution Utilities, AEP Transmission Holdco, and Generation & Marketing segments. The company generates electricity using coal and lignite, natural gas, nuclear, hydro, solar, wind, and other energy sources. It also supplies and markets electric power at wholesale to other electric utility companies, rural electric cooperatives, municipalities, and other market participants. American Electric Power Company, Inc. was incorporated in 1906 and is headquartered in Columbus, Ohio.

Full AEP 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.