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Discover Financial Services stock

DFS
US2547091080
A0MUES

Price

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Today +/-
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Discover Financial Services stock price

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Price

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Overview

The Quote Chart provides detailed and dynamic insights into the Discover Financial Services stock's performance, showcasing daily, weekly, or monthly aggregated quotes. Users can switch between different time frames to analyze the stock's progression meticulously and make informed investment decisions.

Intraday Feature

The intraday feature provides real-time data, allowing investors to view the Discover Financial Services stock’s price fluctuations within the trading day, facilitating timely and strategic investment decisions.

Total Return and Relative Price Change

View the total return of the Discover Financial Services stock to gauge its profitability over time. The relative price change, based on the first quote available in the selected timeframe, offers insights into the stock’s performance, assisting in evaluating its investment potential.

Interpretation and Investment

Utilize the comprehensive data presented in the Quote Chart to analyze Discover Financial Services's market trends, price movements, and potential returns. Make informed investment choices by comparing different time frames and evaluating intraday data for optimized portfolio management.

Discover Financial Services Stock Price History

DateDiscover Financial Services Price
2/7/20250 undefined
2/6/2025199.77 undefined
2/5/2025202.72 undefined
2/4/2025201.80 undefined
2/3/2025198.51 undefined
2/2/2025198.66 undefined
1/30/2025201.09 undefined
1/29/2025202.48 undefined
1/28/2025201.03 undefined
1/27/2025199.53 undefined
1/26/2025200.33 undefined
1/23/2025202.10 undefined
1/22/2025200.96 undefined
1/21/2025197.50 undefined
1/20/2025189.26 undefined
1/16/2025187.18 undefined
1/15/2025185.04 undefined
1/14/2025187.54 undefined
1/13/2025180.84 undefined
1/12/2025175.68 undefined
1/9/2025169.64 undefined

Discover Financial Services Revenue, EBIT, Net Income

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Revenue
EBIT
Net Income
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Revenue, EBIT and Profit

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Understanding Revenue, EBIT, and Income

Gain insights into Discover Financial Services, a comprehensive overview of its financial performance can be obtained by analyzing the Revenue, EBIT, and Income chart. Revenue represents the total income generated by Discover Financial Services from its primary operations, showcasing the company’s ability to attract and retain clients. EBIT, or Earnings Before Interest and Taxes, indicates the company’s operational profitability, free from the influence of tax and interest expenses. The Income section reflects Discover Financial Services’s net earnings, an ultimate measure of its financial health and profitability.

Yearly Analysis and Comparisons

Observe the yearly bars to understand the annual performance and growth of Discover Financial Services. Compare the Revenue, EBIT, and Income to evaluate the company’s efficiency and profitability. A higher EBIT compared to the previous year suggests an improvement in operational efficiency. Likewise, an increase in Income indicates enhanced overall profitability. Analyzing the year-to-year comparison assists investors in understanding the company’s growth trajectory and operational efficiency.

Utilizing Expectations for Investment

The expected values for the forthcoming years offer investors a glimpse into Discover Financial Services’s anticipated financial performance. Analyzing these projections alongside historical data aids in making informed investment decisions. Investors can gauge the potential risks and returns, aligning their investment strategies accordingly to optimize profitability and mitigate risks.

Investment Insights

Leveraging the comparison between Revenue and EBIT helps in assessing Discover Financial Services’s operational efficiency, while the Revenue and Income comparison reveals the net profitability after accounting for all expenses. Investors can derive valuable insights by meticulously analyzing these financial parameters, laying the foundation for strategic investment decisions aimed at capitalizing on Discover Financial Services’s growth potential.

Discover Financial Services Revenue, EBIT and net profit per share

DateDiscover Financial Services RevenueDiscover Financial Services EBITDiscover Financial Services Net Income
2028e18.18 B undefined10.44 B undefined3.59 B undefined
2027e19.39 B undefined9.8 B undefined4.41 B undefined
2026e18.18 B undefined9.28 B undefined3.93 B undefined
2025e17.63 B undefined8.63 B undefined3.37 B undefined
202423.63 B undefined0 undefined4.45 B undefined
202320.54 B undefined0 undefined2.72 B undefined
202215.16 B undefined5.89 B undefined4.29 B undefined
20210 undefined0 undefined5.35 B undefined
20200 undefined0 undefined1.1 B undefined
20190 undefined0 undefined2.91 B undefined
20180 undefined0 undefined2.69 B undefined
20170 undefined0 undefined2.03 B undefined
20160 undefined0 undefined2.34 B undefined
20150 undefined0 undefined2.25 B undefined
20140 undefined0 undefined2.27 B undefined
20130 undefined0 undefined2.41 B undefined
20120 undefined0 undefined2.32 B undefined
20110 undefined0 undefined2.2 B undefined
20100 undefined0 undefined668 M undefined
20090 undefined0 undefined1.21 B undefined
20080 undefined0 undefined911 M undefined
20070 undefined0 undefined589 M undefined
20060 undefined0 undefined1.08 B undefined
20050 undefined0 undefined578 M undefined

Discover Financial Services Income Statement, Balance Sheet, Cash Flow Statement

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  • Expanded

  • Income Statement

  • Balance Sheet

  • Cashflow

 
REVENUE (B)REVENUE GROWTH (%)GROSS MARGIN (%)GROSS INCOME (B)NET INCOME (B)NET INCOME GROWTH (%)DIV. ()DIV. GROWTH (%)SHARES (M)DOCUMENTS
200220032004200520062007200820092010201120122013201420152016201720182019202020212022202320242025e2026e2027e2028e
0000000000000000000015.1620.5423.6317.6318.1819.3918.18
---------------------35.5115.06-25.413.116.65-6.22
--------------------69.0450.9544.2859.3657.5753.9857.56
0000000000000000000010.47000000
0.740.650.780.581.080.590.911.210.672.22.322.412.272.252.342.032.692.911.15.354.292.724.453.373.934.413.59
--12.5319.57-25.5286.33-45.3154.6732.49-44.66229.645.274.14-5.97-1.064.14-13.1732.408.14-62.04384.69-19.90-36.6563.76-24.2516.6912.21-18.71
---------------------------
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5275275274774774794795085495435204874634384063743453203073002782542510000
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Details

Keystats

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Revenue and Growth

The Discover Financial Services Revenue and Revenue Growth are pivotal to understanding the company's financial health and operational efficiency. A consistent increase in revenue indicates a company’s ability to effectively market and sell its products or services, while the revenue growth percentage offers insights into the pace at which the company is expanding over the years.

Gross Margin

The Gross Margin is a crucial metric that showcases the percentage of revenue exceeding the cost of goods sold (COGS). A higher gross margin is indicative of a company’s efficiency in controlling its production costs, thereby promising potential profitability and financial stability.

EBIT and EBIT Margin

EBIT (Earnings Before Interest and Taxes) and EBIT Margin offer deep insights into a company’s profitability, excluding the impacts of interest and taxes. Investors often assess these metrics to gauge the operational efficiency and inherent profitability of a business, separate from its financial structure and tax environment.

Income and Growth

Net Income and its subsequent growth are quintessential for investors looking to understand a company’s profitability. Consistent income growth underscores a company’s ability to enhance its profitability over time, reflecting operational efficiency, strategic competitiveness, and financial health.

Shares Outstanding

Shares outstanding refer to the total number of shares a company has issued. It's instrumental in calculating key metrics like Earnings Per Share (EPS) which is pivotal for investors to evaluate a company’s profitability on a per-share basis, offering a more granular view of financial health and valuation.

Interpreting Year to Year Comparison

Comparing yearly data allows investors to identify trends, assess the company’s growth, and anticipate potential future performance. Analyzing how metrics like revenue, income, and margins change year over year can provide valuable insights into the company’s operational efficiency, competitiveness, and overall financial health.

Expectations and Predictions

Investors often juxtapose the current and past financial data with the market’s expectations. This comparison aids in assessing whether the Discover Financial Services is performing as anticipated, underperforming or outperforming the market predictions, providing pivotal data for investment decisions.

 
ASSETSCASH BALANCE (B)RECEIVABLES (B)OTHER REC. (B)INVENTORIES (M)OTHER CURRENT LIAB. (M)CURRENT ASSETS (B)TANGIBLE ASSETS (B)LONG-T. INVEST. (M)LONG-T. REC. (B)INTANGIBLE ASSETS (M)GOODWILL (M)OTHER NON-CURRENT ASSETS (B)NON-CURRENT ASSETS (B)TOTAL ASSETS (B)LIABILITIESCOMMON STOCK (B)ADDITIONAL PAID-IN CAPITAL (B)RETAINED EARNINGS (B)OTHER EQUITY (B)UNREAL. GAINS/LOSSES (M)EQUITY (B)LIABILITIES (M)PROVISIONS (B)OTHER SHORT-TERM LIAB. (M)SHORT-TERM DEBTS (B)LONG-TERM DEBT PORTION (B)SHORT-TERM REC. (B)LONG-T. LIAB. (B)DEFERRED TAXES (M)OTHER LIAB. (B)LONG-T. LIABILITIES (B)DEBT (B)TOTAL CAPITAL (B)
20022003200420052006200720082009201020112012201320142015201620172018201920202021202220232024
                                             
000000000000000000008.8600
00000000000000000000104.7500
000000000000000000001.2100
00000000000000000000000
000000000000000000004100
00000000000000000000114.8500
0000.630.660.580.550.50.460.480.540.650.670.690.730.830.941.111.030.9811.091.07
000000000003083253283262972953363533884165140
000000000000000000001.2100
0006720160203196189188189185176168166163161155950000
000255534255255255255255286284257255255255255255255255255255255
000003.93000000000000.551.781.4902.660
0000.951.44.821.010.950.910.931.011.431.431.441.481.541.652.43.513.122.894.521.33
0000.951.44.821.010.950.910.931.011.431.431.441.481.541.652.43.513.12117.744.521.33
                                             
000000.010.011.160.010.010.570.570.570.570.570.570.570.571.061.061.061.060
0002.122.642.852.943.573.443.513.63.693.793.893.964.044.134.214.264.374.474.550
0002.433.012.723.053.873.135.247.479.6111.4713.2515.1316.6918.9121.2919.9624.7728.2129.860
4.393.814.020.050.130.03-0.07-0.16-0.08-0.05-0.14-0.09-0.16-0.16-0.16-0.15-0.17-0.23-0.24-0.21-0.2-0.1917.93
00000000007119230-3-510112284114-136-370
4.393.814.024.65.775.65.938.456.488.711.5613.815.6817.5419.521.1523.4525.9525.3230.133.435.2517.93
0001821352652690000000000000000
0001.461.571.322.472.262.212.633.412.963.253.343.554.113.443.693.864.215.627.226.45
000000473809000000000000000
0003.776.740.250.5000.050.330.140.110000001.7500.750
0000000000003.305.15.276.515.254.225.1903.730
0005.418.441.833.713.072.212.683.743.16.663.348.659.389.958.948.0811.155.6211.696.45
3.530.931.20.861.512.131.742.4317.7118.2917.6720.4719.2424.6520.3421.0520.7220.4517.0213.2919.5815.8116.25
00000000000000000000000
20.8219.2918.9003.100000000000000000
24.3520.2220.10.861.515.231.742.4317.7118.2917.6720.4719.2424.6520.3421.0520.7220.4517.0213.2919.5815.8116.25
24.3520.2220.16.289.957.075.455.4919.9220.9621.4123.5725.927.9928.9930.4330.6629.3925.124.4425.227.522.71
28.7524.0324.1210.8815.7212.6711.3713.9526.429.6732.9737.3741.5945.5348.4951.5854.1155.3450.4254.5458.662.7440.63
Details

Balance Sheet

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Understanding the Balance Sheet

The balance sheet of Discover Financial Services provides a detailed financial snapshot, revealing the company's assets, liabilities, and equity at a specific point in time. Analyzing these components is crucial for investors looking to understand Discover Financial Services's financial health and stability.

Assets

Discover Financial Services's assets represent everything the company owns or controls that has monetary value. These are categorized into current and non-current assets, offering insights into the company's liquidity and long-term investments.

Liabilities

Liabilities are obligations that Discover Financial Services must settle in the future. Analyzing the ratio of liabilities to assets provides insights into the company's financial leverage and risk exposure.

Equity

Equity refers to the residual interest in the assets of Discover Financial Services after deducting liabilities. It represents the owners’ claim on the company’s assets and earnings.

Year-to-Year Analysis

Comparing balance sheet figures year-to-year allows investors to identify trends, growth patterns, and potential financial risks, facilitating informed investment decisions.

Interpreting the Data

Detailed analysis of assets, liabilities, and equity can provide investors with comprehensive insights into Discover Financial Services's financial standing, aiding in investment evaluations and risk assessments.

 
NET INCOME (B)DEPRECIATION (M)DEFERRED TAXES (M)CHANGES IN WORKING CAPITAL (B)NON-CASH ITEM (M)PAID INTEREST (B)PAID TAXES (B)NET CASH FLOW FROM OPERATING ACTIVITIES (B)CAPITAL EXPENDITURES (M)CASH FLOW FROM INVESTING ACTIVITIES (B)CASH FLOW FROM OTHER INVESTING ACTIVITIES (B)INTEREST INCOME AND EXPENSES (M)NET DEBT CHANGE (B)NET CHANGE IN EQUITY (B)CASH FLOW FROM FINANCING ACTIVITIES (B)CASH FLOW FROM OTHER FINANCING ACTIVITIES (B)TOTAL DIVIDENDS PAID (M)NET CHANGE IN CASH FLOW (B)FREE CASH FLOW (M)SHARE-BASED COMPENSATION (M)
200420052006200720082009201020112012null20132014201520162017201820192020202120222023
0.780.581.080.590.931.280.772.232.350.172.472.322.32.392.12.742.961.145.454.392.94
193214222257231978990959111126391351393435436485531561458
-25-4376-218-262-62113232146-12322-1100000-672327-427-626
0.680.920.371.013.472.263.321.10.430.050.51.051.611.962.752.523.285.36-0.252.856.15
-32-29-2644022767-35-10733169400-440-282-38-510-472-120-38-240-358
00000000000.980.931.071.211.41.852.411.81.081.674.51
0.480.440.520.530.670.910.170.911.3-01.351.391.341.31.420.651.090.91.311.871.61
1.591.641.722.044.53.64.223.63.040.223.523.833.854.435.215.196.26.26.027.148.56
-98-98-144-118-93-53-55-111-1440-231-145-168-179-218-254-284-261-194-236-303
-1.76-4.31-2.02-1.6-6.13-6.16-5.07-8.11-5.690.41-3.16-4.2-2.87-4.9-8.79-10.58-15.271.510.04-25.64-21.49
-1.66-4.21-1.88-1.48-6.04-6.11-5.01-8-5.550.41-2.93-4.05-2.7-4.72-8.57-10.33-14.991.780.23-25.4-21.19
000000000000000000000
-0.29-0.73.85-3.28-0.660.19-7.14-2.362.32-2.022.521.992.020.770.820.8-1.71-4.79-0.9-0.091.19
0000.27-0.011.75-1.4-0.41-0.63-0.01-1.28-1.56-1.71-1.9-2.09-2.06-1.760.16-2.25-2.35-1.93
-0.282.430.627.463.045.41-7.072.263.73-1.973.621.11.32.814.967.150.9-1.09-8.3216.0615.76
0.013.13-3.2311.353.823.572.325.142.250.072.781.141.514.456.758.964.954.13-4.5319.2117.25
000-879-117-101-845-110-209-5-399-467-515-514-527-552-573-576-636-703-752
-0.45-0.250.327.911.382.85-7.92-2.251.08-1.343.970.732.292.341.381.76-8.186.63-2.26-2.442.83
1,489.31,538.11,576.61,919.74,410.73,544.14,1633,4872,89703,2863,6813,6864,2464,9904,9375,9125,9355,8256,9048,260
000000000000000000000

Discover Financial Services stock margins

The Discover Financial Services margin analysis displays the gross margin, EBIT margin, as well as the profit margin of Discover Financial Services. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for Discover Financial Services.

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Gross margin
EBIT margin
Profit margin
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Margin

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Understanding Gross Margin

The gross margin, expressed as a percentage, delineates the gross profit made from the Discover Financial Services's sales revenue. A higher gross margin percentage indicates that the Discover Financial Services retains more revenue after accounting for the costs of goods sold. Investors use this metric to gauge financial health and operational efficiency, as well as to compare it with competitors and industry averages.

EBIT Margin Analysis

EBIT margin represents the Discover Financial Services's earnings before interest and taxes. Analyzing the EBIT margin over different years provides insights into the operational profitability and efficiency, excluding the effects of financial leverage and tax structure. A growing EBIT margin over the years signifies improving operational performance.

Revenue Margin Insights

The revenue margin demonstrates the Discover Financial Services's total revenue generated. When comparing the revenue margin year over year, investors can gauge the Discover Financial Services's growth and market expansion. It is essential to compare the revenue margin with the gross and EBIT margins to understand the cost and profit structures better.

Interpreting Expectations

The expected values for gross, EBIT, and revenue margins provide future financial outlook of the Discover Financial Services. Investors should compare these expectations with historical data to understand potential growth and risk factors. It is crucial to consider the underlying assumptions and methodologies used in projecting these expected values to make informed investment decisions.

Comparative Analysis

Comparing the gross, EBIT, and revenue margins, both yearly and over multiple years, enables investors to perform a comprehensive analysis of the Discover Financial Services's financial health and growth prospects. Evaluating the trends and patterns in these margins helps in identifying strengths, weaknesses, and potential investment opportunities.

Discover Financial Services Margin History

Discover Financial Services Gross marginDiscover Financial Services Profit marginDiscover Financial Services EBIT marginDiscover Financial Services Profit margin
2028e69.04 %57.43 %19.72 %
2027e69.04 %50.53 %22.75 %
2026e69.04 %51.08 %21.62 %
2025e69.04 %48.96 %19.11 %
202469.04 %0 %18.81 %
202369.04 %0 %13.22 %
202269.04 %38.86 %28.28 %
202169.04 %0 %0 %
202069.04 %0 %0 %
201969.04 %0 %0 %
201869.04 %0 %0 %
201769.04 %0 %0 %
201669.04 %0 %0 %
201569.04 %0 %0 %
201469.04 %0 %0 %
201369.04 %0 %0 %
201269.04 %0 %0 %
201169.04 %0 %0 %
201069.04 %0 %0 %
200969.04 %0 %0 %
200869.04 %0 %0 %
200769.04 %0 %0 %
200669.04 %0 %0 %
200569.04 %0 %0 %

Discover Financial Services Stock Sales Revenue, EBIT, Earnings per Share

The Discover Financial Services earnings per share therefore indicates how much revenue Discover Financial Services has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.

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Sales per Share
EBIT per share
Earnings per Share
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Revenue, EBIT and Earnings per share

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Revenue Per Share

Revenue per share represents the total revenue Discover Financial Services earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates Discover Financial Services's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of Discover Financial Services’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating Discover Financial Services's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

Discover Financial Services Revenue, EBIT and net profit per share

DateDiscover Financial Services Sales per ShareDiscover Financial Services EBIT per shareDiscover Financial Services Earnings per Share
2028e72.37 undefined0 undefined14.27 undefined
2027e77.16 undefined0 undefined17.55 undefined
2026e72.35 undefined0 undefined15.64 undefined
2025e70.17 undefined0 undefined13.41 undefined
202494.16 undefined0 undefined17.71 undefined
202380.87 undefined0 undefined10.69 undefined
202254.53 undefined21.19 undefined15.42 undefined
20210 undefined0 undefined17.84 undefined
20200 undefined0 undefined3.6 undefined
20190 undefined0 undefined9.09 undefined
20180 undefined0 undefined7.79 undefined
20170 undefined0 undefined5.43 undefined
20160 undefined0 undefined5.76 undefined
20150 undefined0 undefined5.13 undefined
20140 undefined0 undefined4.9 undefined
20130 undefined0 undefined4.96 undefined
20120 undefined0 undefined4.46 undefined
20110 undefined0 undefined4.06 undefined
20100 undefined0 undefined1.22 undefined
20090 undefined0 undefined2.38 undefined
20080 undefined0 undefined1.9 undefined
20070 undefined0 undefined1.23 undefined
20060 undefined0 undefined2.26 undefined
20050 undefined0 undefined1.21 undefined

Discover Financial Services business model

Discover Financial Services (DFS) is a US financial services company that was founded in 1985 by Sears, Roebuck and Co., a retail company. The company is headquartered in Riverwoods, Illinois, and offers various financial products and services such as credit cards, payment processing, online banking, deposits, loans, and mortgages. DFS is best known for its credit cards, particularly the Discover Card, which was introduced to the market in 1986. This card was the first to have a cashback rewards program that credits customers a percentage of their purchases as a credit to their card statement, encouraging them to spend more with the card. In 2005, DFS acquired the PULSE ATM/Debit network platform to expand its payment processing services. DFS's credit card division is still one of its major sources of revenue, offering different credit cards like the Discover it Card, Discover it Miles Card, and NHL Discover it Card. These cards provide various benefits such as cashback bonuses, rewards miles and points, as well as low interest rates and fees. DFS also has partnerships with other companies like Amazon, Gap, and Walmart to offer card-related bonuses and discounts. In addition to credit cards, DFS also provides various banking services. Discover Bank is an online banking provider that offers deposit products such as checking accounts, savings accounts, overdraft protection, and more. The bank also has a mobile app that allows customers to manage their accounts and transactions. DFS also offers loans such as personal loans, student loans, and mortgages. The loans are provided through Discover Loans or Discover Home Loans. These loans often have lower interest rates than competitors and have flexible repayment terms. Another important area of DFS is the B2B sector. DFS offers solutions to partner companies that include payment processing services, data analytics, risk management, and fraud detection. This also includes various tools for customer loyalty and rewards programs management. Overall, Discover Financial Services is a leading American provider of financial services, thanks to its innovative and diversified business model. It focuses on offering top-quality products and services while also expanding through partnerships and expanding into new regions. Discover Financial Services is one of the most popular companies on Eulerpool.com.

Discover Financial Services SWOT Analysis

Strengths

Discover Financial Services has several strengths that contribute to its success in the financial industry. These include:

  • Strong brand recognition and reputation
  • Diverse portfolio of financial products and services
  • Efficient digital banking capabilities
  • Strategic partnerships and alliances
  • Effective risk management practices
  • Commitment to customer satisfaction and loyalty

Weaknesses

Although Discover Financial Services has many strengths, it also faces a few weaknesses that pose challenges to its growth and competitiveness:

  • Limited global presence compared to some competitors
  • Reliance on credit card revenue, making it susceptible to economic downturns
  • Higher interest rates on certain products
  • Less diversified revenue streams compared to larger financial institutions

Opportunities

Discover Financial Services has several opportunities that can be leveraged to further expand its market presence and enhance profitability:

  • Increasing demand for digital banking and contactless payments
  • Expanding into emerging markets and untapped customer segments
  • Growing trend of financial technology (fintech) partnerships and collaborations
  • Development of new innovative products and services
  • Advancements in data analytics and artificial intelligence for personalized offerings

Threats

Discover Financial Services faces several threats that may hinder its growth and profitability:

  • Intense competition from other financial institutions
  • Economic downturns impacting consumer spending and creditworthiness
  • Regulatory changes and compliance requirements
  • Cybersecurity risks and data breaches
  • Changing customer preferences and behavior
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Discover Financial Services Eulerpool Fair Value

Details

Fair Value

ⓘ

Understanding Fair Value

The fair value of a stock provides insights into whether the stock is currently undervalued or overvalued. It is calculated based on profit, revenue, or dividends and offers a comprehensive perspective of the stock’s intrinsic value.

Income-Based Fair Value

This is calculated by multiplying the earnings per share by the average P/E ratio of the selected past years for smoothing. If the fair value is higher than the current market price, it suggests that the stock is undervalued.

Example 2022

Fair Value Profit 2022 = Earnings per Share 2022 / Average P/E Ratio 2019 - 2021 (3 Years Smoothing)

Revenue-Based Fair Value

It is derived by multiplying the revenue per share by the average price-to-sales ratio of the selected past years for smoothing. An undervalued stock is identified if the fair value exceeds the ongoing market price.

Example 2022

Fair Value Revenue 2022 = Revenue per Share 2022 / Average PSR 2019 - 2021 (3 Years Smoothing)

Dividend-Based Fair Value

This value is determined by dividing the dividend per share by the average dividend yield of the selected past years for smoothing. A higher fair value than the market price indicates an undervalued stock.

Example 2022

Fair Value Dividend 2022 = Dividend per Share 2022 * Average Dividend Yield 2019 - 2021 (3 Years Smoothing)

Expectations and Forecasts

Future expectations provide potential trajectories for stock prices and aid investors in decision-making. The expected values are forecasted figures of fair value, taking into account the growth or decline trends of profit, revenue, or dividend.

Comparative Analysis

Comparing the fair value based on profit, revenue, and dividend provides a holistic overview of the stock’s financial health. Observing the annual and per-annual variations contributes to understanding the consistency and reliability of stock performance.

Discover Financial Services historical P/E ratio, EBIT multiple, and P/S ratio

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Discover Financial Services shares outstanding

The number of shares was Discover Financial Services in 2024 — This indicates how many shares 251 M is divided into. Since shareholders are the owners of a company, each share represents a small portion of the company's ownership.

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Number of stocks
Details

Revenue, EBIT and Earnings per share

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Revenue Per Share

Revenue per share represents the total revenue Discover Financial Services earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates Discover Financial Services's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of Discover Financial Services’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating Discover Financial Services's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

Discover Financial Services dividend history and estimates

In 2024, Discover Financial Services paid a dividend amounting to 2.8 USD. Dividend means that Discover Financial Services distributes a portion of its profits to its owners.

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Dividend
Dividend (Estimate)
Details

Dividend

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Dividend Overview

The dividend per year chart for Discover Financial Services provides a comprehensive view of the annual dividends distributed to shareholders. Analyze the trend to understand the consistency and growth in dividend payouts over the years.

Interpretation and Use

A consistent or increasing trend in dividends can indicate the company's profitability and financial health. Investors can use this data to identify Discover Financial Services’s potential for long-term investment and income generation through dividends.

Investment Strategy

Incorporate the dividend data in evaluating Discover Financial Services's overall performance. A thorough analysis, considering other financial aspects, will help in making informed investment decisions for optimal capital growth and income generation.

Discover Financial Services Dividend History

DateDiscover Financial Services Dividend
2028e3.48 undefined
2027e3.48 undefined
2026e3.47 undefined
2025e3.48 undefined
20242.8 undefined
20232.7 undefined
20222.3 undefined
20211.88 undefined
20201.76 undefined
20191.68 undefined
20181.5 undefined
20171.3 undefined
20161.16 undefined
20151.08 undefined
20140.92 undefined
20130.6 undefined
20120.44 undefined
20110.28 undefined
20100.08 undefined
20090.08 undefined
20080.24 undefined
20070.12 undefined

Discover Financial Services dividend payout ratio

In 2024, Discover Financial Services had a payout ratio of 16.75%. The payout ratio indicates the percentage of the company's profits that Discover Financial Services distributes as dividends.

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Payout ratio
Details

Payout ratio

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What is Yearly Payout Ratio?

The yearly payout ratio for Discover Financial Services represents the proportion of earnings paid out as dividends to shareholders. It is an indicator of the company's financial health and stability, illustrating how much profit is being returned to investors versus being reinvested back into the company.

How to Interpret the Data

A lower payout ratio for Discover Financial Services could mean that the company is reinvesting more into its growth, whereas a higher ratio indicates more earnings are being distributed as dividends. Investors seeking regular income might prefer companies with a higher payout ratio, while those looking for growth may opt for companies with a lower ratio.

Using the Data for Investments

Evaluate Discover Financial Services's payout ratio in conjunction with other financial metrics and performance indicators. A sustainable payout ratio, coupled with strong financial health, can indicate a reliable dividend payout. However, a very high ratio might suggest the company is not sufficiently reinvesting in its future growth.

Discover Financial Services Payout Ratio History

DateDiscover Financial Services Payout ratio
2028e19.16 %
2027e18.56 %
2026e20.11 %
2025e18.82 %
202416.75 %
202324.78 %
202214.92 %
202110.54 %
202048.89 %
201918.48 %
201819.26 %
201723.94 %
201620.14 %
201521.05 %
201418.78 %
201312.1 %
20129.87 %
20116.9 %
20106.56 %
20093.36 %
200812.63 %
20079.84 %
200624.78 %
200524.78 %
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Unfortunately, there are currently no price targets and forecasts available for Discover Financial Services.

Discover Financial Services latest earnings and earnings surprises

DateEPS EstimateEPS ActualQuarterly report
12/31/20243.28 5.11  (55.67 %)2024 Q4
9/30/20243.46 3.69  (6.79 %)2024 Q3
6/30/20243.1 6.06  (95.2 %)2024 Q2
3/31/20242.98 1.1  (-63.13 %)2024 Q1
12/31/20232.53 1.54  (-39.1 %)2023 Q4
9/30/20233.22 2.59  (-19.66 %)2023 Q3
6/30/20233.71 3.54  (-4.61 %)2023 Q2
3/31/20233.95 3.58  (-9.3 %)2023 Q1
12/31/20223.69 3.77  (2.1 %)2022 Q4
9/30/20223.76 3.54  (-5.87 %)2022 Q3
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Eulerpool ESG Scorecard© for the Discover Financial Services stock

Eulerpool World ESG Rating (EESG©)

45/ 100

🌱 Environment

22

👫 Social

54

🏛️ Governance

59

Environment

Scope 1 - Direct Emissions
3,038
Scope 2 - Indirect emissions from purchased energy
28,580
Scope 3 - Indirect emissions within the value chain
Total CO₂ emissions
31,618
CO₂ reduction strategy
Coal energy
Nuclear power
Animal experiments
Fur & Leather
Pesticides
Palm Oil
Tobacco
Genetically modified organisms
Climate concept
Sustainable forestry
Recycling regulations
Environmentally friendly packaging
Hazardous substances
Fuel consumption and efficiency
Water consumption and efficiency

Social

Percentage of female employees48
Percentage of women in management
Percentage of Asian employees15
Share of Asian management20
Percentage of Hispanic/Latino employees12
Hispano/Latino Management share8
Percentage of Black employees15
Black Management Share8
Percentage of white employees54
White Management Share61
Adult content
Alcohol
Weapons
Firearms
Gambling
Military contracts
Human rights concept
Privacy concept
Occupational health and safety
Catholic

Governance (Corporate Governance)

Environmental reporting
Stakeholder Engagement
Call Back Policies
Antitrust law

The Eulerpool ESG Scorecard© is the strictly copyrighted intellectual property of Eulerpool Research Systems. Any unauthorized use, imitation, or infringement will be actively pursued and may lead to significant legal consequences. For licenses, collaborations, or usage rights, please contact us directly via our contact form. Contact Form to us.

Discover Financial Services shareholders

%
Name
Stocks
Change
Date
12.09735 % The Vanguard Group, Inc.30,392,17967,4576/30/2024
8.06266 % Capital World Investors20,255,8123,525,0296/30/2024
5.01261 % BlackRock Institutional Trust Company, N.A.12,593,191109,6726/30/2024
4.14658 % State Street Global Advisors (US)10,417,44373,5616/30/2024
2.62102 % Capital Research Global Investors6,584,79821,5699/30/2024
2.42456 % Geode Capital Management, L.L.C.6,091,22170,0396/30/2024
2.29534 % Fidelity Management & Research Company LLC5,766,589272,8026/30/2024
1.72715 % Norges Bank Investment Management (NBIM)4,339,1271,472,5866/30/2024
1.46825 % Dimensional Fund Advisors, L.P.3,688,683-10,7006/30/2024
1.37761 % Brave Warrior Advisors, LLC3,460,972150,8956/30/2024
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Discover Financial Services Executives and Management Board

Mr. Daniel Capozzi

(51)
Discover Financial Services Executive Vice President, President - U.S. Cards
Compensation 4.89 M

Mr. Carlos Minetti

(60)
Discover Financial Services Executive Vice President, President - Consumer Banking
Compensation 4.54 M

Mr. John Greene

(57)
Discover Financial Services Chief Financial Officer, Executive Vice President
Compensation 4.53 M

Mr. Amir Arooni

(58)
Discover Financial Services Executive Vice President, Chief Information Officer
Compensation 4.28 M

Mr. Thomas Maheras

(60)
Discover Financial Services Non-Executive Independent Chairman of the Board
Compensation 505,067
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Discover Financial Services Supply Chain

NameRelationshipTwo-week correlationOne-month correlationThree-Month CorrelationSix-Month CorrelationOne Year CorrelationTwo-Year Correlation
Euronet Worldwide Stock
Euronet Worldwide
SupplierCustomer0,890,820,690,590,580,61
EVO Payments A Stock
EVO Payments A
SupplierCustomer0,860,420,550,690,430,03
GoDaddy A Stock
GoDaddy A
SupplierCustomer0,680,910,710,24-0,090,07
Paya Holdings A Stock
Paya Holdings A
SupplierCustomer0,680,070,280,600,65-0,36
Perion Network Rg Stock
Perion Network Rg
SupplierCustomer0,660,870,540,21-0,250,85
Fidelity National Information Services, Inc. Stock
Fidelity National Information Services, Inc.
SupplierCustomer0,660,710,540,610,63-0,44
Southwest Airlines Co. Stock
Southwest Airlines Co.
SupplierCustomer0,620,940,610,470,630,59
Alliance Data Systems Corporation Stock
Alliance Data Systems Corporation
SupplierCustomer0,620,950,710,780,720,79
USIO Stock
USIO
SupplierCustomer0,600,830,400,270,440,66
PagSeguro Digital Ltd. Stock
PagSeguro Digital Ltd.
SupplierCustomer0,600,560,460,400,66-0,06
1
2
3

Most common questions regarding Discover Financial Services

What values and corporate philosophy does Discover Financial Services represent?

Discover Financial Services is a leading company in the financial services industry, representing values of innovation, customer-centricity, and integrity. Committed to providing exceptional services, Discover focuses on building lasting relationships with its customers by delivering competitive products and superior customer experiences. The company's corporate philosophy revolves around fostering financial empowerment, driving responsible growth, and ensuring transparency in all its operations. Discover's commitment to being a trusted financial partner is evident through its dedication to helping customers achieve their financial goals while maintaining a strong ethical framework. Overall, Discover Financial Services embodies a values-driven approach that prioritizes customer satisfaction, responsible practices, and financial empowerment.

In which countries and regions is Discover Financial Services primarily present?

Discover Financial Services primarily operates in the United States.

What significant milestones has the company Discover Financial Services achieved?

Discover Financial Services has achieved several significant milestones since its inception. The company has successfully expanded its offerings and established itself as a leading player in the financial services industry. It introduced the Discover card in 1986, becoming a major credit card issuer, and has consistently grown its customer base ever since. Discover Financial Services has also launched innovative products and services such as cashback rewards, online banking, and personal loans. The company's commitment to technological advancement has allowed it to provide cutting-edge digital solutions and strengthen its position as a customer-centric financial institution. Through its continued growth and dedication to providing exceptional financial products, Discover Financial Services has become a trusted name in the industry.

What is the history and background of the company Discover Financial Services?

Discover Financial Services is an American financial services company founded in 1986. It operates as a direct banking and payment services company, offering a range of financial products, including credit cards, personal loans, and banking services. Discover Financial Services is known for its flagship product, the Discover Card, which was introduced in 1986 as a credit card alternative to American Express and Visa/Mastercard. Over the years, the company has expanded its services, acquired several financial institutions, and established itself as a prominent player in the industry. Today, Discover Financial Services continues to provide innovative financial solutions to its customers, making it a leading name in the financial services sector.

Who are the main competitors of Discover Financial Services in the market?

Discover Financial Services operates in the highly competitive financial services market. Some of its main competitors include American Express, Visa, Mastercard, and Capital One Financial Corp. These companies offer similar credit card and payment services, along with various financial products and solutions. Discover Financial Services distinguishes itself by providing innovative cashback rewards programs, excellent customer service, and exclusive deals with partner merchants. Despite facing tough competition, Discover's strong brand presence, reliable customer support, and competitive offerings have helped it secure a significant market share and maintain its position as a leading player in the financial industry.

In which industries is Discover Financial Services primarily active?

Discover Financial Services is primarily active in the financial services industry.

What is the business model of Discover Financial Services?

Discover Financial Services operates as a leading direct banking and payment services company. Its business model revolves around providing a range of financial products and services to consumers and businesses. The company primarily focuses on credit cards, personal loans, student loans, home equity loans, and deposit products to fulfill the diverse financial needs of its customers. Discover Financial Services differentiates itself through its direct banking approach, which allows it to offer competitive rates and rewards programs to its customer base. With a strong commitment to customer service and innovation, Discover Financial Services continues to strive for excellence in the financial industry.

What is the P/E ratio of Discover Financial Services 2025?

The P/E ratio cannot be calculated for Discover Financial Services at the moment.

What is the P/S ratio of Discover Financial Services 2025?

The P/S cannot be calculated for Discover Financial Services currently.

What is the Quality Investing of Discover Financial Services?

The Quality Investing for Discover Financial Services is 4/10.

What is the revenue of Discover Financial Services 2025?

The expected Discover Financial Services revenue is 17.63 B USD.

How high is the profit of Discover Financial Services 2025?

The expected Discover Financial Services profit is 3.37 B USD.

What is the business model of Discover Financial Services

Discover Financial Services is a leading financial services company headquartered in Riverwoods, Illinois. Its business model is based on providing comprehensive financial products and services to consumers and business customers both domestically and internationally. Discover operates primarily in the United States and serves more than 57 million cardholders. Discover offers credit cards, personal loans, student loans, mortgages, online banking, as well as banking products and services. Discover credit cards are known for their cashback rewards, low interest rates, flexible credit limits, and excellent customer experience. Discover offers a wide range of credit cards, including cashback cards, points cards, travel cards, and student cards. Discover also has a strong presence in the personal loan segment, providing consumers with quick and convenient loans to meet their financial needs. Discover offers a wide range of personal loans, including debt consolidation, moving expenses, medical bills, home renovations, and other unforeseen expenses. Additionally, Discover offers mortgage loans. Discover provides a variety of homeowner loans, including fixed-rate mortgages, adjustable-rate mortgages, FHA loans, and VA loans. Discover also supports homeowners in repaying mortgage loans through special programs for debt reduction and loan modification. Another key aspect of Discover's business model is online banking. Discover is a leader in online banking and offers a full range of banking services, including savings and checking accounts, CDs, money market funds, and more. Discover also offers free transfers and online payments. Discover has also expanded its offerings for business customers. The company provides various products and services to meet the specific needs of businesses, including a wide range of credit and debit cards, including cashback credit cards, secured credit cards, and prepaid debit cards. Discover also provides business owners with access to a range of online services to effectively manage their business finances. A significant component of Discover's business model is its commitment to customer service. Discover has an excellent customer service team available 24/7 and has achieved world-leading customer satisfaction rates. Discover also has a user-friendly website and customer app to ensure a better user experience for its customers. Discover also leverages technological innovations and has a strong position in the mobile payment solutions market. Discover offers mobile payment services such as Apple Pay, Samsung Pay, and Android Pay to enhance the mobile payment experience for its customers. Overall, Discover's business model offers a comprehensive range of financial products and services to consumers and business customers. Discover is committed to providing its customers with an excellent customer experience and remains a leading provider of financial services in the United States.

What is the Discover Financial Services dividend?

Discover Financial Services pays a dividend of 2.3 USD distributed over 4 payouts per year.

How often does Discover Financial Services pay dividends?

Discover Financial Services pays out a dividend 4 times a year.

What is the Discover Financial Services ISIN?

The ISIN of Discover Financial Services is US2547091080.

What is the Discover Financial Services WKN?

The WKN of Discover Financial Services is A0MUES.

What is the Discover Financial Services ticker?

The ticker of Discover Financial Services is DFS.

How much dividend does Discover Financial Services pay?

Over the past 12 months, Discover Financial Services paid a dividend of 2.8 USD . This corresponds to a dividend yield of about . For the coming 12 months, Discover Financial Services is expected to pay a dividend of 3.47 USD.

What is the dividend yield of Discover Financial Services?

The current dividend yield of Discover Financial Services is .

When does Discover Financial Services pay dividends?

Discover Financial Services pays a quarterly dividend. This is distributed in the months of June, September, December, March.

How secure is the dividend of Discover Financial Services?

Discover Financial Services paid dividends every year for the past 22 years.

What is the dividend of Discover Financial Services?

For the upcoming 12 months, dividends amounting to 3.47 USD are expected. This corresponds to a dividend yield of 1.74 %.

In which sector is Discover Financial Services located?

Discover Financial Services is assigned to the 'Finance' sector.

Wann musste ich die Aktien von Discover Financial Services kaufen, um die vorherige Dividende zu erhalten?

To receive the latest dividend of Discover Financial Services from 3/6/2025 amounting to 0.7 USD, you needed to have the stock in your portfolio before the ex-date on 2/20/2025.

When did Discover Financial Services pay the last dividend?

The last dividend was paid out on 3/6/2025.

What was the dividend of Discover Financial Services in the year 2024?

In the year 2024, Discover Financial Services distributed 2.7 USD as dividends.

In which currency does Discover Financial Services pay out the dividend?

The dividends of Discover Financial Services are distributed in USD.

All fundamentals about Discover Financial Services

Our stock analysis for Discover Financial Services Revenue stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of Discover Financial Services Revenue. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.