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DFS vs CAPL: Dividend Comparison 2026

DFS yields 1.40% · CAPL yields 10.21%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 DFS wins by $344.7K in total portfolio value· pulled ahead in Year 6
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 →
CAPL
CAPL
● Live price
10.21%
Share price
$20.57
Annual div
$2.10
5Y div CAGR
1.1%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$40.8K
Annual income
$2,232.50
Full CAPL calculator →

Portfolio growth — DFS vs CAPL

📍 DFS pulled ahead of the other in Year 6

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 PeriodDFSCAPL
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 + CAPL cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
DFS pays
CAPL 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
CAPL
Annual income on $10K today (after 15% tax)
$867.77/yr
After 10yr DRIP, annual income (after tax)
$1,897.63/yr
At 15% tax rate, DFS beats the other by $198,062.46/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

DFS: 50%CAPL: 50%
100% CAPL50/50100% DFS
Portfolio after 10yr
$213.1K
Annual income
$118,739.83/yr
Blended yield
55.71%
📊

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
CAPL
Analyst Ratings
6
Buy
8
Hold
1
Sell
Consensus: Hold
Altman Z
6.6
Piotroski
5/9
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)

DFS buys
0
CAPL buys
0
No recent congressional trades found for DFS or CAPL in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricDFSCAPL
Forward yield1.40%10.21%
Annual dividend / share$2.80$2.10
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR71.5%1.1%
Portfolio after 10y$385.5K$40.8K
Annual income after 10y$235,247.16$2,232.50
Total dividends collected$350.7K$16.0K
Payment frequencyquarterlyquarterly
SectorFinancialsStock
Analyst consensusBuyHold

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

YearDFS PortfolioDFS Income/yrCAPL PortfolioCAPL Income/yrGap
1$10,940$240.04$11,732$1,032.13$792.00CAPL
2$12,127$420.90$13,698$1,144.14$1.6KCAPL
3$13,723$747.81$15,919$1,262.16$2.2KCAPL
4$16,040$1,356.40$18,419$1,385.93$2.4KCAPL
5$19,704$2,541.10$21,223$1,515.18$1.5KCAPL
6← crossover$26,087$5,003.21$24,358$1,649.62+$1.7KDFS
7$38,530$10,616.67$27,852$1,788.92+$10.7KDFS
8$66,360$25,132.82$31,735$1,932.73+$34.6KDFS
9$140,384$69,379.29$36,037$2,080.71+$104.3KDFS
10$385,458$235,247.16$40,792$2,232.50+$344.7KDFS

DFS vs CAPL: 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.

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CAPLStock

CrossAmerica Partners LP engages in the wholesale distribution of motor fuels, operation of convenience stores, and ownership and leasing of real estate used in the retail distribution of motor fuels in the United States. It operates in two segments, Wholesale and Retail. The Wholesale segment engages in the wholesale distribution of motor fuels to lessee dealers, independent dealers, commission agents, and company operated retail sites. The Retail segment is involved in the sale of convenience merchandise items; and retail sale of motor fuels at company operated retail sites and retail sites operated by commission agents. As of December 31, 2021, the company distributed motor fuel on a wholesale basis to approximately 1,750 sites located in 34 states; and owned or leased approximately 1,150 sites. CrossAmerica GP LLC operates as the general partner of the company. The company was formerly known as Lehigh Gas Partners LP and changed its name to CrossAmerica Partners LP in October 2014. The company was founded in 1992 and is based in Allentown, Pennsylvania.

Full CAPL 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.