Discover Financial Services (DFS) vs Prudential Financial, Inc. (PRU)
DFS leads on 9 of 13 compared metrics.
A side-by-side comparison of Discover Financial Services and Prudential Financial, Inc. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of July 25, 2026. The ● marks the stronger figure on each row (cheaper multiple, higher margin/return).
DFS
Discover Financial Services
$200.05Financial ServicesAt close: May 16, 2025, 4:00 PM ET
PRU
Prudential Financial, Inc.
$119.96Financial ServicesAt close: Jul 24, 2026, 4:00 PM ET
Total return — DFS vs PRU
growth of $100 · dividends reinvested · last 18yDFS +852.4%PRU +97.7%DFS compounded faster
DFS PRU
DFS vs PRU: by the numbers
- •DFS is the larger company ($50.34B vs $41.63B market cap).
- •DFS trades at the lower earnings multiple (10.67 vs 12.25 P/E).
- •DFS converts more revenue to profit (21.65% vs 5.51% net margin).
- •DFS grew revenue faster over the past five years (13.84% vs 0.80% CAGR).
- •PRU pays the higher dividend yield (4.58% vs 1.40%).
Which is better, DFS or PRU?
Metric tally: DFS 9 · PRU 4It depends on what you're optimizing for:
ValueDFS(lower P/E)
GrowthDFS(faster 5Y revenue CAGR)
IncomePRU(higher dividend yield)
QualityDFS(higher ROIC)
Metrics side by side
Valuation
| Metric | DFS | PRU |
|---|---|---|
| P/E ratio | 10.67● | 12.25 |
| Forward P/E | 12.59 | 8.71● |
| P/S ratio | 2.28 | 0.67● |
| P/B ratio | 2.66 | 1.31● |
| PEG ratio | 0.15● | 0.32 |
Profitability
| Metric | DFS | PRU |
|---|---|---|
| Gross margin | 89.46%● | 42.04% |
| Operating margin | 88.29%● | 7.10% |
| Net margin | 21.65%● | 5.51% |
| ROE | 25.29%● | 10.84% |
| ROIC | 32.48%● | 0.68% |
Dividends
| Metric | DFS | PRU |
|---|---|---|
| Dividend yield | 1.40% | 4.58%● |
| Payout ratio | 15.81% | 54.13% |
Growth (annualized)
| Metric | DFS | PRU |
|---|---|---|
| Revenue CAGR (5Y) | 13.84%● | 0.80% |
| EPS CAGR (5Y) | 14.26% | — |
| Total return CAGR (5Y) | 42.63%● | 8.98% |
Frequently asked
- Which is better, DFS or PRU?
- It depends on your goal. value: DFS (lower P/E); growth: DFS (faster 5Y revenue CAGR); income: PRU (higher dividend yield); quality: DFS (higher ROIC). Across all compared metrics, DFS leads 9 to 4.
- Is DFS or PRU cheaper?
- On trailing earnings, DFS is cheaper: DFS trades at a 10.67 P/E and PRU at 12.25.
- Which has grown faster, DFS or PRU?
- Over the past five years, DFS grew revenue faster — DFS at a 13.84% CAGR versus PRU at 0.80%.
- Does DFS or PRU pay a bigger dividend?
- DFS yields 1.40% and PRU yields 4.58% based on trailing dividends and the latest price.
- Is DFS or PRU more profitable?
- DFS runs the higher net margin — DFS at 21.65% versus PRU at 5.51%.
- Which has been the better investment, DFS or PRU?
- Over the past 10-year, DFS delivered the higher annualized total return — DFS at 15.34% versus PRU at 9.55%. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Discover Financial Services P/E ratioPrudential Financial P/E ratioDiscover Financial Services dividend yieldPrudential Financial dividend yieldDiscover Financial Services ROEPrudential Financial ROEDiscover Financial Services operating marginPrudential Financial operating marginDiscover Financial Services revenue growthPrudential Financial revenue growthDiscover Financial Services free cash flowPrudential Financial free cash flow
Discover Financial Services & Prudential Financial appear in these rankings
Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified July 25, 2026.