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DFS vs ADP: Dividend Comparison 2026

DFS yields 1.40% · ADP yields 3.31%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 ADP wins by $5.25M in total portfolio value
10 years
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 →
ADP
ADP
● Live price
3.31%
Share price
$205.47
Annual div
$6.80
5Y div CAGR
72.6%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$5.63M
Annual income
$4,494,765.34
Full ADP calculator →

Portfolio growth — DFS vs ADP

📍 ADP pulled ahead of the other in Year 1

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 PeriodDFSADP
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%.
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Dividend Calendar Overlap

Combined, DFS + ADP cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
DFS pays
ADP pays
Both pay
Neither
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Tax Bracket Optimizer

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

DFS
Annual income on $10K today (after 15% tax)
$118.97/yr
After 10yr DRIP, annual income (after tax)
$199,960.09/yr
ADP
Annual income on $10K today (after 15% tax)
$281.31/yr
After 10yr DRIP, annual income (after tax)
$3,820,550.54/yr
At 15% tax rate, ADP beats the other by $3,620,590.45/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

DFS: 50%ADP: 50%
100% ADP50/50100% DFS
Portfolio after 10yr
$3.01M
Annual income
$2,365,006.25/yr
Blended yield
78.59%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on DFS right now

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
ADP
Analyst Ratings
7
Buy
22
Hold
6
Sell
Consensus: Hold
Price Target
$270.50
+31.6% upside vs current
Range: $230.00 — $306.00
Altman Z
1.6
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.
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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

DFS buys
6
ADP buys
0
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 →
MetricDFSADP
Forward yield1.40%3.31%
Annual dividend / share$2.80$6.80
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR71.5%72.6%
Portfolio after 10y$385.5K$5.63M
Annual income after 10y$235,247.16$4,494,765.34
Total dividends collected$350.7K$5.51M
Payment frequencyquarterlyquarterly
SectorFinancialsTechnology
Analyst consensusBuyHold
Analyst price target$142.26$270.50

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

YearDFS PortfolioDFS Income/yrADP PortfolioADP Income/yrGap
1← crossover$10,940$240.04$11,271$571.22$331.00ADP
2$12,127$420.90$13,099$1,038.55$972.00ADP
3$13,723$747.81$15,963$1,946.91$2.2KADP
4$16,040$1,356.40$20,907$3,827.15$4.9KADP
5$19,704$2,541.10$30,456$8,085.81$10.8KADP
6$26,087$5,003.21$51,589$19,000.50$25.5KADP
7$38,530$10,616.67$107,116$51,915.77$68.6KADP
8$66,360$25,132.82$288,496$173,881.79$222.1KADP
9$140,384$69,379.29$1,064,125$755,434.48$923.7KADP
10$385,458$235,247.16$5,633,379$4,494,765.34$5.25MADP

DFS vs ADP: Complete Analysis 2026

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 →

ADPTechnology

Automatic Data Processing, Inc. provides cloud-based human capital management solutions worldwide. It operates in two segments, Employer Services and Professional Employer Organization (PEO). The Employer Services segment offers strategic, cloud-based platforms, and human resources (HR) outsourcing solutions. Its offerings include payroll, benefits administration, talent management, HR management, workforce management, insurance, retirement, and compliance services, as well as integrated HCM solutions. The PEO Services segment provides HR outsourcing solutions to small and mid-sized businesses through a co-employment model. This segment offers benefits package, protection and compliance, talent engagement, expertise, comprehensive outsourcing, and recruitment process outsourcing services. The company was founded in 1949 and is headquartered in Roseland, New Jersey.

Full ADP 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.