Discover Financial Services (DFS) vs Block, Inc. (SQ)
DFS leads on 13 of 15 compared metrics.
A side-by-side comparison of Discover Financial Services and Block, Inc. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of June 13, 2026. The ● marks the stronger figure on each row (cheaper multiple, higher margin/return).
Total return — DFS vs SQ
growth of $100 · last 9yDFS +250.6%SQ +578.4%SQ compounded faster
DFS SQ
DFS vs SQ: by the numbers
- •SQ is the larger company ($51.73B vs $50.34B market cap).
- •DFS trades at the lower earnings multiple (10.67 vs 49.81 P/E).
- •DFS is profitable (21.65% net margin) while SQ runs a net loss (-2.04%).
- •DFS grew revenue faster over the past five years (13.84% vs 13.19% CAGR).
- •DFS pays a dividend (1.40% yield) while SQ does not currently pay one.
Which is better, DFS or SQ?
Metric tally: DFS 13 · SQ 2It depends on what you're optimizing for:
ValueDFS(lower P/E)
GrowthDFS(faster 5Y revenue CAGR)
QualityDFS(higher ROIC)
Valuation
| Metric | DFS | SQ |
|---|---|---|
| P/E ratio | 10.67● | 49.81 |
| Forward P/E | 12.59 | — |
| P/S ratio | 2.28● | 2.35 |
| P/B ratio | 2.66● | 2.82 |
| PEG ratio | 0.15● | 696.22 |
| EV / EBITDA | 6.75● | 26.61 |
| FCF yield | 16.78%● | 1.28% |
Profitability
| Metric | DFS | SQ |
|---|---|---|
| Gross margin | 65.86%● | 44.85% |
| Operating margin | 34.55%● | 4.93% |
| Net margin | 21.65%● | -2.04% |
| ROE | 25.29%● | -2.30% |
| ROIC | 32.48%● | -12.82% |
Dividends
| Metric | DFS | SQ |
|---|---|---|
| Dividend yield | 1.40% | — |
| Payout ratio | 15.81% | — |
Growth (annualized)
| Metric | DFS | SQ |
|---|---|---|
| Revenue CAGR (5Y) | 13.84%● | 13.19% |
| EPS CAGR (5Y) | 14.26% | 34.72%● |
| FCF CAGR (5Y) | 9.87% | 64.00%● |
| Total return CAGR (5Y) | 42.63%● | 4.50% |
Frequently asked
- Which is better, DFS or SQ?
- It depends on your goal. value: DFS (lower P/E); growth: DFS (faster 5Y revenue CAGR); quality: DFS (higher ROIC). Across all compared metrics, DFS leads 13 to 2.
- Is DFS or SQ cheaper?
- On trailing earnings, DFS is cheaper: DFS trades at a 10.67 P/E and SQ at 49.81.
- Which has grown faster, DFS or SQ?
- Over the past five years, DFS grew revenue faster — DFS at a 13.84% CAGR versus SQ at 13.19%.
- Does DFS or SQ pay a bigger dividend?
- DFS pays a dividend (1.40% yield) while SQ does not currently pay one.
- Is DFS or SQ more profitable?
- DFS runs the higher net margin — DFS at 21.65% versus SQ at -2.04%.
- Which has been the better investment, DFS or SQ?
- Over the past 5-year, DFS delivered the higher annualized total return — DFS at 15.34% versus SQ at 4.50%. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Discover Financial Services P/E ratioBlock P/E ratioDiscover Financial Services dividend yieldBlock dividend yieldDiscover Financial Services ROEBlock ROEDiscover Financial Services operating marginBlock operating marginDiscover Financial Services revenue growthBlock revenue growthDiscover Financial Services free cash flowBlock free cash flow
Discover Financial Services & Block 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 June 13, 2026.