Discover Financial Services (DFS) vs Truist Financial Corporation (TFC)
DFS leads on 10 of 14 compared metrics.
A side-by-side comparison of Discover Financial Services and Truist Financial Corporation across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of June 15, 2026. The ● marks the stronger figure on each row (cheaper multiple, higher margin/return).
DFS
Discover Financial Services
$200.05Financial Services
TFC
Truist Financial Corporation
$51.66Financial Services
Total return — DFS vs TFC
growth of $100 · last 18yDFS +595.8%TFC -0.7%DFS compounded faster
Log scale — wide-divergence pair
DFS TFC
DFS vs TFC: by the numbers
- •TFC is the larger company ($63.42B vs $50.34B market cap).
- •DFS trades at the lower earnings multiple (10.67 vs 13.28 P/E).
- •DFS converts more revenue to profit (21.65% vs 18.14% net margin).
- •DFS grew revenue faster over the past five years (13.84% vs 5.16% CAGR).
- •TFC pays the higher dividend yield (4.03% vs 1.40%).
Which is better, DFS or TFC?
Metric tally: DFS 10 · TFC 4It depends on what you're optimizing for:
ValueDFS(lower P/E)
GrowthDFS(faster 5Y revenue CAGR)
IncomeTFC(higher dividend yield)
QualityDFS(higher ROIC)
Metrics side by side
Valuation
| Metric | DFS | TFC |
|---|---|---|
| P/E ratio | 10.67● | 13.28 |
| Forward P/E | 12.59 | 11.37● |
| P/S ratio | 2.28 | 2.15● |
| P/B ratio | 2.66 | 1.02● |
| PEG ratio | 0.15● | 0.79 |
Profitability
| Metric | DFS | TFC |
|---|---|---|
| Gross margin | 65.86%● | 62.92% |
| Operating margin | 34.55%● | 21.35% |
| Net margin | 21.65%● | 18.14% |
| ROE | 25.29%● | 8.61% |
| ROIC | 32.48%● | 3.61% |
Dividends
| Metric | DFS | TFC |
|---|---|---|
| Dividend yield | 1.40% | 4.03%● |
| Payout ratio | 15.81% | 53.89% |
Growth (annualized)
| Metric | DFS | TFC |
|---|---|---|
| Revenue CAGR (5Y) | 13.84%● | 5.16% |
| EPS CAGR (5Y) | 14.26%● | 4.42% |
| Total return CAGR (5Y) | 42.63%● | 2.52% |
Frequently asked
- Which is better, DFS or TFC?
- It depends on your goal. value: DFS (lower P/E); growth: DFS (faster 5Y revenue CAGR); income: TFC (higher dividend yield); quality: DFS (higher ROIC). Across all compared metrics, DFS leads 10 to 4.
- Is DFS or TFC cheaper?
- On trailing earnings, DFS is cheaper: DFS trades at a 10.67 P/E and TFC at 13.28.
- Which has grown faster, DFS or TFC?
- Over the past five years, DFS grew revenue faster — DFS at a 13.84% CAGR versus TFC at 5.16%.
- Does DFS or TFC pay a bigger dividend?
- DFS yields 1.40% and TFC yields 4.03% based on trailing dividends and the latest price.
- Is DFS or TFC more profitable?
- DFS runs the higher net margin — DFS at 21.65% versus TFC at 18.14%.
- Which has been the better investment, DFS or TFC?
- Over the past 10-year, DFS delivered the higher annualized total return — DFS at 15.34% versus TFC at 7.96%. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Discover Financial Services P/E ratioTruist Financial P/E ratioDiscover Financial Services dividend yieldTruist Financial dividend yieldDiscover Financial Services ROETruist Financial ROEDiscover Financial Services operating marginTruist Financial operating marginDiscover Financial Services revenue growthTruist Financial revenue growthDiscover Financial Services free cash flowTruist Financial free cash flow
Discover Financial Services & Truist 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 June 15, 2026.