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DFS vs MO: Dividend Comparison 2026

DFS yields 1.40% · MO yields 6.27%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 DFS wins by $307.8K 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 →
MO
Altria Group Inc.
● Live price
6.27%
Share price
$67.02
Annual div
$4.20
5Y div CAGR
22.6%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$77.7K
Annual income
$28,968.54
Full MO calculator →

Portfolio growth — DFS vs MO

📍 DFS 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 PeriodDFSMO
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 + MO cover 0 of 12 monthsgood coverage

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

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
MO
Annual income on $10K today (after 15% tax)
$532.68/yr
After 10yr DRIP, annual income (after tax)
$24,623.26/yr
At 15% tax rate, DFS beats the other by $175,336.83/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

DFS: 50%MO: 50%
100% MO50/50100% DFS
Portfolio after 10yr
$231.6K
Annual income
$132,107.85/yr
Blended yield
57.05%
📊

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
MO
Analyst Ratings
16
Buy
9
Hold
1
Sell
Consensus: Buy
Price Target
$61.25
-8.6% upside vs current
Range: $47.00 — $68.00
Altman Z
3.2
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)

DFS buys
6
MO buys
11
PoliticianChamberTickerTypeAmountDate
Ro Khanna🏢 House$MO▲ Buy$1,000 - $15,0002025-08-04
Julie Johnson🏢 House$DFS▼ Sell$1,001 - $15,0002025-04-07
Jefferson Shreve🏢 House$DFS▼ Sell$15,001 - $50,0002025-04-07
Sheri Biggs🏢 House$MO▼ Sell$1,001 - $15,0002025-03-19
Michael McCaul🏢 House$DFS▼ Sell$15,001 - $50,0002025-01-09
Michael McCaul🏢 House$DFS▼ Sell$1,001 - $15,0002024-11-19
Pete Sessions🏢 House$MO▼ Sell$1,001 - $15,0002024-09-10
John James🏢 House$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
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricDFSMO
Forward yield1.40%6.27%
Annual dividend / share$2.80$4.20
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR71.5%22.6%
Portfolio after 10y$385.5K$77.7K
Annual income after 10y$235,247.16$28,968.54
Total dividends collected$350.7K$72.0K
Payment frequencyquarterlyquarterly
SectorFinancialsConsumer Staples
Analyst consensusBuyBuy
Analyst price target$142.26$61.25

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

YearDFS PortfolioDFS Income/yrMO PortfolioMO Income/yrGap
1← crossover$10,940$240.04$10,558$768.31+$382.00DFS
2$12,127$420.90$11,352$1,015.87+$775.00DFS
3$13,723$747.81$12,482$1,367.86+$1.2KDFS
4$16,040$1,356.40$14,103$1,883.39+$1.9KDFS
5$19,704$2,541.10$16,472$2,664.91+$3.2KDFS
6$26,087$5,003.21$20,024$3,897.79+$6.1KDFS
7$38,530$10,616.67$25,537$5,933.74+$13.0KDFS
8$66,360$25,132.82$34,478$9,476.77+$31.9KDFS
9$140,384$69,379.29$49,776$16,022.63+$90.6KDFS
10$385,458$235,247.16$77,699$28,968.54+$307.8KDFS

DFS vs MO: 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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MOConsumer Staples

Altria Group, Inc., through its subsidiaries, manufactures and sells smokeable and oral tobacco products in the United States. The company provides cigarettes primarily under the Marlboro brand; cigars and pipe tobacco principally under the Black & Mild brand; and moist smokeless tobacco products under the Copenhagen, Skoal, Red Seal, and Husky brands, as well as provides on! oral nicotine pouches. It sells its tobacco products primarily to wholesalers, including distributors; and large retail organizations, such as chain stores. Altria Group, Inc. was founded in 1822 and is headquartered in Richmond, Virginia.

Full MO 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.