HomeCompareXEL vs DFS

XEL vs DFS: Dividend Comparison 2026

XEL yields 2.91% · DFS yields 1.40%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 XEL wins by $4.09M in total portfolio value
10 years
XEL
XEL
● Live price
2.91%
Share price
$79.17
Annual div
$2.30
5Y div CAGR
74.1%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$4.47M
Annual income
$3,536,239.95
Full XEL 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 — XEL vs DFS

📍 XEL 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 PeriodXELDFS
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, XEL + DFS cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
XEL pays
DFS pays
Both pay
Neither
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Tax Bracket Optimizer

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

XEL
Annual income on $10K today (after 15% tax)
$247.22/yr
After 10yr DRIP, annual income (after tax)
$3,005,803.96/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, XEL beats the other by $2,805,843.87/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

XEL: 50%DFS: 50%
100% DFS50/50100% XEL
Portfolio after 10yr
$2.43M
Annual income
$1,885,743.55/yr
Blended yield
77.66%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on DFS right now

XEL
Analyst Ratings
16
Buy
8
Hold
2
Sell
Consensus: Buy
Price Target
$89.18
+12.7% upside vs current
Range: $82.00 — $95.00
Altman Z
0.9
Piotroski
3/9
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)

XEL 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 →
MetricXELDFS
Forward yield2.91%1.40%
Annual dividend / share$2.30$2.80
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR74.1%71.5%
Portfolio after 10y$4.47M$385.5K
Annual income after 10y$3,536,239.95$235,247.16
Total dividends collected$4.37M$350.7K
Payment frequencyquarterlyquarterly
SectorUtilitiesFinancials
Analyst consensusBuyBuy
Analyst price target$89.18$142.26

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

YearXEL PortfolioXEL Income/yrDFS PortfolioDFS Income/yrGap
1← crossover$11,206$506.37$10,940$240.04+$266.00XEL
2$12,914$923.30$12,127$420.90+$787.00XEL
3$15,549$1,731.25$13,723$747.81+$1.8KXEL
4$20,030$3,391.74$16,040$1,356.40+$4.0KXEL
5$28,540$7,108.80$19,704$2,541.10+$8.8KXEL
6$47,020$16,481.64$26,087$5,003.21+$20.9KXEL
7$94,492$44,181.13$38,530$10,616.67+$56.0KXEL
8$245,573$144,466.48$66,360$25,132.82+$179.2KXEL
9$873,658$610,894.77$140,384$69,379.29+$733.3KXEL
10$4,471,054$3,536,239.95$385,458$235,247.16+$4.09MXEL

XEL vs DFS: Complete Analysis 2026

XELUtilities

Xcel Energy Inc., through its subsidiaries, generates, purchases, transmits, distributes, and sells electricity. It operates through Regulated Electric Utility, Regulated Natural Gas Utility, and All Other segments. The company generates electricity through coal, nuclear, natural gas, hydroelectric, solar, biomass, oil, wood/refuse, and wind energy sources. It also purchases, transports, distributes, and sells natural gas to retail customers, as well as transports customer-owned natural gas. In addition, the company develops and leases natural gas pipelines, and storage and compression facilities; and invests in rental housing projects, as well as procures equipment for the construction of renewable generation facilities. It serves residential, commercial, and industrial customers in the portions of Colorado, Michigan, Minnesota, New Mexico, North Dakota, South Dakota, Texas, and Wisconsin. The company sells electricity to approximately 3.7 million customers; and natural gas to approximately 2.1 million customers. Xcel Energy Inc. was incorporated in 1909 and is headquartered in Minneapolis, Minnesota.

Full XEL 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.