HomeCompareDFS vs T

DFS vs T: Dividend Comparison 2026

DFS yields 1.40% · T yields 3.86%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 DFS wins by $379.8K 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 →
T
AT&T Inc.
● Live price
3.86%
Share price
$28.79
Annual div
$1.11
5Y div CAGR
-45.4%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$5.6K
Annual income
$0.96
Full T calculator →

Portfolio growth — DFS vs T

📍 DFS pulled ahead of the other in Year 1

Annual dividend income

🛡️

Recession Test — Did They Cut Dividends?

How each stock treated shareholders during the 3 biggest crises of the last 20 years

Crisis PeriodDFST
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, DFS + T cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
DFS pays
T 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
T
Annual income on $10K today (after 15% tax)
$327.72/yr
After 10yr DRIP, annual income (after tax)
$0.82/yr
At 15% tax rate, DFS beats the other by $199,959.27/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of DFS + T for your $10,000?

DFS: 50%T: 50%
100% T50/50100% DFS
Portfolio after 10yr
$195.5K
Annual income
$117,624.06/yr
Blended yield
60.15%
📊

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
T
Analyst Ratings
1
Strong
26
Buy
29
Hold
5
Sell
Consensus: Hold
Price Target
$28.88
+0.3% upside vs current
Range: $20.00 — $33.00
Altman Z
1.0
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
0
T buys
0
No recent congressional trades found for DFS or T in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricDFST
Forward yield1.40%3.86%
Annual dividend / share$2.80$1.11
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR71.5%-45.4%
Portfolio after 10y$385.5K$5.6K
Annual income after 10y$235,247.16$0.96
Total dividends collected$350.7K$471.00
Payment frequencyquarterlyquarterly
SectorFinancialsTelecom
Analyst consensusBuyHold
Analyst price target$142.26$28.88

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

YearDFS PortfolioDFS Income/yrT PortfolioT Income/yrGap
1← crossover$10,940$240.04$9,601$210.51+$1.3KDFS
2$12,127$420.90$9,132$117.52+$3.0KDFS
3$13,723$747.81$8,640$65.00+$5.1KDFS
4$16,040$1,356.40$8,149$35.76+$7.9KDFS
5$19,704$2,541.10$7,672$19.61+$12.0KDFS
6$26,087$5,003.21$7,214$10.73+$18.9KDFS
7$38,530$10,616.67$6,780$5.87+$31.8KDFS
8$66,360$25,132.82$6,370$3.21+$60.0KDFS
9$140,384$69,379.29$5,983$1.75+$134.4KDFS
10$385,458$235,247.16$5,619$0.96+$379.8KDFS

DFS vs T: 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 →

TTelecom

AT&T Inc. provides telecommunications, media, and technology services worldwide. Its Communications segment offers wireless voice and data communications services; and sells handsets, wireless data cards, wireless computing devices, and carrying cases and hands-free devices through its own company-owned stores, agents, and third-party retail stores. It also provides data, voice, security, cloud solutions, outsourcing, and managed and professional services, as well as customer premises equipment for multinational corporations, small and mid-sized businesses, governmental, and wholesale customers. In addition, this segment offers broadband fiber and legacy telephony voice communication services to residential customers. It markets its communications services and products under the AT&T, Cricket, AT&T PREPAID, and AT&T Fiber brand names. The company's Latin America segment provides wireless services in Mexico; and video services in Latin America. This segment markets its services and products under the AT&T and Unefon brand names. The company was formerly known as SBC Communications Inc. and changed its name to AT&T Inc. in 2005. AT&T Inc. was incorporated in 1983 and is headquartered in Dallas, Texas.

Full T Calculator →
📬

Get this DFS vs T comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

DFS vs SCHDDFS vs JEPIDFS vs ODFS vs KODFS vs MAINDFS vs VZDFS vs LUMNDFS vs TMUS

⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.