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DFS vs ORCL: Dividend Comparison 2026

DFS yields 1.40% · ORCL yields 1.44%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 ORCL wins by $461.3K 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 →
ORCL
ORCL
● Live price
1.44%
Share price
$138.78
Annual div
$2.00
5Y div CAGR
77.9%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$846.7K
Annual income
$592,144.13
Full ORCL calculator →

Portfolio growth — DFS vs ORCL

📍 ORCL 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 PeriodDFSORCL
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 + ORCL cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
DFS pays
ORCL 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
ORCL
Annual income on $10K today (after 15% tax)
$122.50/yr
After 10yr DRIP, annual income (after tax)
$503,322.51/yr
At 15% tax rate, ORCL beats the other by $303,362.42/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

DFS: 50%ORCL: 50%
100% ORCL50/50100% DFS
Portfolio after 10yr
$616.1K
Annual income
$413,695.65/yr
Blended yield
67.15%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on ORCL 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
ORCL
Analyst Ratings
55
Buy
27
Hold
4
Sell
Consensus: Buy
Price Target
$285.39
+105.6% upside vs current
Range: $160.00 — $400.00
Altman Z
1.8
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.
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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

DFS buys
6
ORCL 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 →
MetricDFSORCL
Forward yield1.40%1.44%
Annual dividend / share$2.80$2.00
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR71.5%77.9%
Portfolio after 10y$385.5K$846.7K
Annual income after 10y$235,247.16$592,144.13
Total dividends collected$350.7K$802.3K
Payment frequencyquarterlyquarterly
SectorFinancialsTechnology
Analyst consensusBuyBuy
Analyst price target$142.26$285.39

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

YearDFS PortfolioDFS Income/yrORCL PortfolioORCL Income/yrGap
1← crossover$10,940$240.04$10,956$256.38$16.00ORCL
2$12,127$420.90$12,190$467.02$63.00ORCL
3$13,723$747.81$13,908$863.93$185.00ORCL
4$16,040$1,356.40$16,520$1,638.73$480.00ORCL
5$19,704$2,541.10$20,913$3,236.34$1.2KORCL
6$26,087$5,003.21$29,188$6,811.58$3.1KORCL
7$38,530$10,616.67$47,038$15,806.56$8.5KORCL
8$66,360$25,132.82$92,682$42,351.72$26.3KORCL
9$140,384$69,379.29$237,913$138,743.46$97.5KORCL
10$385,458$235,247.16$846,711$592,144.13$461.3KORCL

DFS vs ORCL: 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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ORCLTechnology

Oracle Corporation offers products and services that address enterprise information technology environments worldwide. Its Oracle cloud software as a service offering include various cloud software applications, including Oracle Fusion cloud enterprise resource planning (ERP), Oracle Fusion cloud enterprise performance management, Oracle Fusion cloud supply chain and manufacturing management, Oracle Fusion cloud human capital management, Oracle Advertising, and NetSuite applications suite, as well as Oracle Fusion Sales, Service, and Marketing. The company also offers cloud-based industry solutions for various industries; Oracle application licenses; and Oracle license support services. In addition, it provides cloud and license business' infrastructure technologies, such as the Oracle Database, an enterprise database; Java, a software development language; and middleware, including development tools and others. The company's cloud and license business' infrastructure technologies also comprise cloud-based compute, storage, and networking capabilities; and Oracle autonomous database, MySQL HeatWave, Internet-of-Things, digital assistant, and blockchain. Further, it provides hardware products and other hardware-related software offerings, including Oracle engineered systems, enterprise servers, storage solutions, industry-specific hardware, virtualization software, operating systems, management software, and related hardware services; and consulting and customer services. The company markets and sells its cloud, license, hardware, support, and services offerings directly to businesses in various industries, government agencies, and educational institutions, as well as through indirect channels. Oracle Corporation was founded in 1977 and is headquartered in Austin, Texas.

Full ORCL 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.