HomeComparePRU vs DFS

PRU vs DFS: Dividend Comparison 2026

PRU yields 5.77% · DFS yields 1.40%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 DFS wins by $318.1K in total portfolio value· pulled ahead in Year 6
10 years
PRU
PRU
● Live price
5.77%
Share price
$94.48
Annual div
$5.45
5Y div CAGR
22.7%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$67.4K
Annual income
$12,459.19
Full PRU 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 — PRU vs DFS

📍 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 PeriodPRUDFS
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, PRU + DFS cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

PRU
Annual income on $10K today (after 15% tax)
$490.32/yr
After 10yr DRIP, annual income (after tax)
$10,590.31/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 $189,369.77/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

PRU: 50%DFS: 50%
100% DFS50/50100% PRU
Portfolio after 10yr
$226.4K
Annual income
$123,853.17/yr
Blended yield
54.70%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on DFS right now

PRU
Analyst Ratings
9
Buy
25
Hold
2
Sell
Consensus: Hold
Price Target
$117.43
+24.3% upside vs current
Range: $110.00 — $126.00
Altman Z
0.2
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)

PRU buys
0
DFS buys
6
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 →
MetricPRUDFS
Forward yield5.77%1.40%
Annual dividend / share$5.45$2.80
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR22.7%71.5%
Portfolio after 10y$67.4K$385.5K
Annual income after 10y$12,459.19$235,247.16
Total dividends collected$40.7K$350.7K
Payment frequencyquarterlyquarterly
SectorFinancialsFinancials
Analyst consensusHoldBuy
Analyst price target$117.43$142.26

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

YearPRU PortfolioPRU Income/yrDFS PortfolioDFS Income/yrGap
1$11,408$707.78$10,940$240.04+$468.00PRU
2$13,132$925.90$12,127$420.90+$1.0KPRU
3$15,274$1,222.25$13,723$747.81+$1.6KPRU
4$17,973$1,630.15$16,040$1,356.40+$1.9KPRU
5$21,431$2,199.71$19,704$2,541.10+$1.7KPRU
6← crossover$25,939$3,007.77$26,087$5,003.21$148.00DFS
7$31,929$4,174.61$38,530$10,616.67$6.6KDFS
8$40,057$5,892.69$66,360$25,132.82$26.3KDFS
9$51,338$8,477.44$140,384$69,379.29$89.0KDFS
10$67,391$12,459.19$385,458$235,247.16$318.1KDFS

PRU vs DFS: Complete Analysis 2026

PRUFinancials

Prudential Financial, Inc., together with its subsidiaries, provides insurance, investment management, and other financial products and services in the United States and internationally. It operates through eight segments: PGIM, Retirement, Group Insurance, Individual Annuities, Individual Life, Assurance IQ, International Businesses, and Closed Block. The company offers investment management services and solutions related to public fixed income, public equity, real estate debt and equity, private credit and other alternatives, and multi-asset class strategies to institutional and retail clients, as well as its general account. It also provides a range of retirement investment, and income products and services to retirement plan sponsors in the public, private, and not-for-profit sectors; and group life, long-term and short-term group disability, and group corporate-, bank-, and trust-owned life insurance in the United States, primarily to institutional clients for use in connection with employee and membership benefits plans, as well as sells accidental death and dismemberment, and other supplemental health solutions; and provides plan administration services in connection with its insurance coverages. In addition, the company develops and distributes individual variable and fixed annuity products, principally to the mass affluent and affluent markets; and individual variable, term, and universal life insurance products to the mass middle, mass affluent, and affluent markets in the United States. Further, it provides third-party life, health, Medicare, property and casualty, and term life products to retail shoppers through its digital and independent agent channels. The company offers its products and services to individual and institutional customers through its proprietary and third-party distribution networks. Prudential Financial, Inc. was founded in 1875 and is headquartered in Newark, New Jersey.

Full PRU 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.