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HUM vs DFS: Dividend Comparison 2026

HUM yields 2.13% · DFS yields 1.40%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 DFS wins by $296.1K in total portfolio value· pulled ahead in Year 4
10 years
HUM
HUM
● Live price
2.13%
Share price
$166.00
Annual div
$3.54
5Y div CAGR
46.1%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$89.4K
Annual income
$29,002.59
Full HUM calculator →
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 →

Portfolio growth — HUM vs DFS

📍 DFS pulled ahead of the other in Year 4

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 PeriodHUMDFS
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, HUM + DFS cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

HUM
Annual income on $10K today (after 15% tax)
$181.27/yr
After 10yr DRIP, annual income (after tax)
$24,652.20/yr
DFS
Annual income on $10K today (after 15% tax)
$118.97/yr
After 10yr DRIP, annual income (after tax)
$199,960.09/yr
At 15% tax rate, DFS beats the other by $175,307.88/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

HUM: 50%DFS: 50%
100% DFS50/50100% HUM
Portfolio after 10yr
$237.4K
Annual income
$132,124.88/yr
Blended yield
55.65%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on DFS right now

HUM
Analyst Ratings
14
Buy
27
Hold
2
Sell
Consensus: Hold
Price Target
$235.00
+41.6% upside vs current
Range: $146.00 — $345.00
Altman Z
4.0
Piotroski
6/9
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
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)

HUM buys
13
DFS buys
6
PoliticianChamberTickerTypeAmountDate
Julia Letlow🏢 House$HUM▼ Sell$1,001 - $15,0002026-02-10
Gilbert Cisneros🏢 House$HUM▼ Sell$1,001 - $15,0002025-11-12
Michael McCaul🏢 House$HUM▼ Sell$15,001 - $50,0002025-11-04
Lisa McClain🏢 House$HUM▲ Buy$1,001 - $15,0002025-09-25
Julia Letlow🏢 House$HUM▲ Buy$1,001 - $15,0002025-08-08
Gilbert Cisneros🏢 House$HUM▲ Buy$1,001 - $15,0002025-08-05
Ro Khanna🏢 House$HUM▲ Buy$1,001 - $15,0002025-07-25
Lisa McClain🏢 House$HUM▲ Buy$1,001 - $15,0002025-06-24
Gilbert Cisneros🏢 House$HUM▼ Sell$1,001 - $15,0002025-05-30
Gilbert Cisneros🏢 House$HUM▼ Sell$1,001 - $15,0002025-05-30
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricHUMDFS
Forward yield2.13%1.40%
Annual dividend / share$3.54$2.80
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR46.1%71.5%
Portfolio after 10y$89.4K$385.5K
Annual income after 10y$29,002.59$235,247.16
Total dividends collected$63.4K$350.7K
Payment frequencyquarterlyquarterly
SectorHealthcareFinancials
Analyst consensusHoldBuy
Analyst price target$235.00$142.26

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

YearHUM PortfolioHUM Income/yrDFS PortfolioDFS Income/yrGap
1$11,012$311.56$10,940$240.04+$72.00HUM
2$12,251$468.45$12,127$420.90+$124.00HUM
3$13,820$711.61$13,723$747.81+$97.00HUM
4← crossover$15,883$1,096.11$16,040$1,356.40$157.00DFS
5$18,715$1,720.11$19,704$2,541.10$989.00DFS
6$22,793$2,767.44$26,087$5,003.21$3.3KDFS
7$28,990$4,601.98$38,530$10,616.67$9.5KDFS
8$39,012$7,992.19$66,360$25,132.82$27.3KDFS
9$56,428$14,685.03$140,384$69,379.29$84.0KDFS
10$89,380$29,002.59$385,458$235,247.16$296.1KDFS

HUM vs DFS: Complete Analysis 2026

HUMHealthcare

Humana Inc., together with its subsidiaries, operates as a health and well-being company in the United States. It operates through three segments: Retail, Group and Specialty, and Healthcare Services. The company offers medical and supplemental benefit plans to individuals. It also has a contract with Centers for Medicare and Medicaid Services to administer the Limited Income Newly Eligible Transition prescription drug plan program; and contracts with various states to provide Medicaid, dual eligible, and long-term support services benefits. In addition, the company provides commercial fully insured medical and specialty health insurance benefits comprising dental, vision, and other supplemental health benefits; and administrative services only products to individuals and employer groups, as well as military services, such as TRICARE T2017 East Region contract. Further, it offers pharmacy solutions, provider services, and home solutions services, such as home health and other services to its health plan members, as well as to third parties. As of December 31, 2021, the company had approximately 17 million members in medical benefit plans, as well as approximately 5 million members in specialty products. Humana Inc. was founded in 1961 and is headquartered in Louisville, Kentucky.

Full HUM Calculator →

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 →
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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.