Discover Financial Services (DFS) Stock Price
Discover Financial Services Price
Revenue has compounded at 6.5% per year over the past 19 years to 14.30 B USD. Earnings per share have grown at 12.2% per year over the last 18 years. Discover Financial Services's net margin stands at 31.7%, up from 10.3% several years earlier. Discover Financial Services currently offers a dividend yield of about 1.40%. The payout ratio is around 15% of earnings. The dividend has grown at 20.4% per year over the past 17 years. Analysts set a median price target of 197.88 USD, implying 1.3% below the current price. Of 21 analysts, 10 rate the stock a buy — an overall Hold consensus.
Discover Financial Services stock price
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Stock Price
ⓘHow to Read This Chart
This chart tracks the historical stock price of Discover Financial Services over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.
Total Return vs. Price Return
The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.
Intraday Price Data
When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how Discover Financial Services stock reacts to market openings, earnings releases, or breaking news throughout the trading session.
What to Look For
Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing Discover Financial Services's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.
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Discover Financial Services Revenue, EBIT, Net Income
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Discover Financial Services Income Statement, Balance Sheet, Cash Flow Statement
| REVENUEB USD |
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| REVENUE GROWTH% |
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| EBITB USD |
| EBIT MARGIN% |
| NET INCOMEB USD |
| NET INCOME GROWTH% |
| DIVIDENDDIV.USD |
| DIVIDEND GROWTHDIV. GROWTH% |
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| 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025e | 2026e | 2027e |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 7.69 | 8.22 | 8.48 | 8.74 | 9.10 | 9.90 | 10.71 | 11.46 | 11.09 | 12.09 | 13.34 | 15.79 | 20.02 | 17.45 | 18.17 | 18.80 |
| 8.85 | 6.94 | 3.08 | 3.09 | 4.12 | 8.77 | 8.20 | 7.00 | -3.24 | 9.01 | 10.34 | 18.42 | 26.76 | -12.85 | 4.16 | 3.46 |
| 99.52 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 31.85 | 89.46 | 89.46 | 89.46 | 89.46 |
| 7.65 | 8.22 | 8.48 | 8.74 | 9.10 | 9.90 | 10.71 | 11.46 | 11.09 | 12.09 | 13.34 | 5.03 | 17.91 | 15.61 | 16.26 | 16.82 |
| 5.08 | 5.09 | 4.83 | 4.88 | 5.05 | 5.19 | 5.74 | 3.84 | 1.44 | 7.06 | 7.61 | 5.11 | 17.68 | 3.67 | 3.80 | 3.95 |
| 66.11 | 61.89 | 56.95 | 55.78 | 55.54 | 52.39 | 53.56 | 33.47 | 12.94 | 58.44 | 57.04 | 32.38 | 88.29 | 21.01 | 20.89 | 21.02 |
| 2.35 | 2.47 | 2.32 | 2.30 | 2.39 | 2.10 | 2.74 | 2.96 | 1.14 | 5.42 | 4.37 | 2.94 | 4.54 | 3.73 | 4.06 | 4.49 |
| 5.57 | 5.06 | -5.95 | -1.12 | 4.18 | -12.29 | 30.63 | 7.84 | -61.41 | 375.20 | -19.33 | -32.78 | 54.25 | -17.73 | 8.90 | 10.44 |
| – | – | – | – | – | – | – | – | – | – | 2.30 | 2.70 | 2.80 | 2.80 | 3.09 | 3.41 |
| – | – | – | – | – | – | – | – | – | – | – | 17.39 | 3.70 | – | 10.36 | 10.36 |
| 502.00 | 477.00 | 453.00 | 426.00 | 393.00 | 362.00 | 335.00 | 313.00 | 319.00 | 291.00 | 272.41 | 250.65 | 251.00 | 251.00 | 251.00 | 251.00 |
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Income Statement Key Figures
ⓘRevenue and Revenue Growth
Revenue is the starting point of every income statement — it measures the total sales Discover Financial Services generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.
Gross Margin
Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue Discover Financial Services retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare Discover Financial Services's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.
EBIT and EBIT Margin
EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.
Net Income and Earnings Per Share (EPS)
Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.
Shares Outstanding
The total number of shares Discover Financial Services has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.
Analyst Estimates
The projected figures represent consensus estimates from professional analysts. Compare these forecasts against Discover Financial Services's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.
Discover Financial Services stock margins
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Discover Financial Services Stock Revenue, EBIT, Earnings per Share
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Discover Financial Services business model & stock analysis
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
Discover Financial Services Employees
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Discover Financial Services Eulerpool Fair Value
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Fair Value Estimate
ⓘWhat Is Fair Value?
Fair value is an estimate of what a stock is truly "worth" based on its financial fundamentals, independent of the current market price. If the calculated fair value is above the current share price, the stock may be undervalued — and vice versa. This chart shows three different fair value approaches so you can cross-check them against each other.
Earnings-Based Fair Value
Calculated by multiplying the current earnings per share (EPS) by the average historical P/E ratio over a selected multi-year period. The smoothing over several years filters out temporary spikes or dips. If this fair value exceeds the market price, it suggests the stock is cheap relative to its earning power.
Example: Fair Value (Earnings) 2022 = EPS 2022 × Average P/E 2019–2021
Revenue-Based Fair Value
Derived by multiplying revenue per share by the average historical price-to-sales ratio. This method is particularly useful for companies with volatile or temporarily depressed earnings, as revenue tends to be more stable than profits. It answers: "At what price has the market historically valued each dollar of this company's sales?"
Example: Fair Value (Revenue) 2022 = Revenue per Share 2022 × Average P/S 2019–2021
Dividend-Based Fair Value
Calculated by dividing the dividend per share by the average historical dividend yield. This approach is most relevant for mature, consistently dividend-paying companies. If the resulting fair value is higher than the current price, it implies the stock offers a better yield than its historical average.
Example: Fair Value (Dividend) 2022 = Dividend per Share 2022 ÷ Average Yield 2019–2021
How to Use This Chart
When all three fair value lines converge above the current price, it strengthens the case that the stock is undervalued. When they diverge, investigate why — it may indicate a structural shift in margins, payout policy, or growth rate. The forward estimates on the right extend the analysis using projected fundamentals, helping you assess whether the current price already reflects future growth expectations.
Discover Financial Services historical P/E ratio, EBIT multiple, and P/S ratio
Discover Financial Services annual returns
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Annual Return
ⓘWhat This Chart Shows
This chart breaks down 's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.
Price Return
Price return measures the percentage change in 's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.
Dividend Return
Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.
What to Look For
Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare 's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.
Discover Financial Services shares outstanding
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Discover Financial Services Dividend History
19 years of dividend payments
Discover Financial Services dividend history and estimates
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Discover Financial Services dividend payout ratio
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Current Discover Financial Services forecasts and price targets in August 2026
Analyst Price Targets 2026Discover Financial Services Analyst Rating Actions
| Date | Firm | Action | Rating | Reliability |
|---|---|---|---|---|
| 5/7/2025 | Downgrade | BuyHold | 47 | |
| 4/25/2025 | Maintained | Buy | – | |
| 4/24/2025 | Maintained | Buy | – | |
| 4/8/2025 | Maintained | Neutral | 80 | |
| 3/21/2025 | Maintained | Buy | – | |
| 1/27/2025 | Maintained | Buy | – | |
| 1/24/2025 | Maintained | Equal Weight | 56 | |
| 1/24/2025 | Maintained | Sector Perform | 52 | |
| 1/24/2025 | Maintained | Neutral | 80 | |
| 1/24/2025 | Maintained | Overweight | 33 |
Eulerpool Reliability Score (0–100): measures how often a firm’s bullish or bearish calls were directionally correct three months later, blended with the average return following its calls. Every rating we record is stored permanently and scores update continuously; firms with fewer than 3 measured calls are not scored yet.
Discover Financial Services Earnings Estimates & Surprises
| Date | EPS estimate | EPS Actual | Revenue Estimate | Price reaction | Quarterly report |
|---|---|---|---|---|---|
| 1/20/2026 | 3.58USD | - | 4.54 BUSD | - | 2025 Q4 |
| 4/17/2024 | 3.47USD | - | 4.07 BUSD | - | 2024 Q1 |
| 1/17/2024 | 2.58USD | - | 4.14 BUSD | - | 2023 Q4 |
| 7/18/2023 | 3.58USD | - | 3.62 BUSD | - | 2023 Q2 |
| 4/25/2023 | 4.02USD | - | 3.56 BUSD | - | 2023 Q1 |
| 1/17/2023 | 3.72USD | - | 3.71 BUSD | - | 2022 Q4 |
| 10/24/2022 | 3.76USD | - | 3.43 BUSD | - | 2022 Q3 |
| 7/20/2022 | 3.82USD | - | 3.22 BUSD | - | 2022 Q2 |
| 4/27/2022 | 3.65USD | - | 3.03 BUSD | - | 2022 Q1 |
| 1/19/2022 | 3.72USD | - | 3.05 BUSD | - | 2021 Q4 |
EESG©
Eulerpool ESG Scorecard© for the Discover Financial Services stock
EEnvironment
20
Environment
SSocial
20
Social
GGovernance (Corporate Governance)
4
Governance (Corporate Governance)
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 shareholder structure
| % | Name |
|---|---|
0.02650% | |
0.02453% | |
0.01700% | |
0.01510% | |
0.00888% | |
0.00861% |
Discover Financial Services Beneficial Ownership Filings (SEC 13D/G)
| Stake | Holder | Filing |
|---|---|---|
12.17% | SEC ↗ | |
7.60% | SEC ↗ | |
7.55% | SEC ↗ | |
7.00% | SEC ↗ | |
6.90% | SEC ↗ | |
5.80% | SEC ↗ | |
5.79% | SEC ↗ | |
5.79% | SEC ↗ | |
5.36% | SEC ↗ | |
2.80% | SEC ↗ |
Discover Financial Services Executives and Management Board
16 members · avg. age 58 · 31 % women
Mr. John Greene (58)
Chief Financial Officer, Executive Vice President
4.09 M USD
Management
Mr. Daniel Capozzi (52)
Executive Vice President, President - U.S. Cards
Mr. Keith Toney (52)
Executive Vice President, President - Credit and Decision Management
Mr. J. Michael Shepherd (68)
Interim Chief Executive Officer, President, Director · since 2023
Mr. Jason Strle
Executive Vice President, Chief Information Officer
Mr. Michael Roemer (61)
Executive Vice President, Chief Risk Officer
Mr. Jason Hanson (45)
Executive Vice President, President - Payment Services
Board of Directors
Mr. John Owen (63)
Director · since 2022
Mr. Thomas Maheras (61)
Non-Executive Independent Chairman of the Board
Ms. Candace Duncan (70)
Independent Director
Mr. David Rawlinson (48)
Independent Director
Mr. Joseph Eazor (61)
Independent Director
Ms. Beverley Sibblies (62)
Independent Director
Discover Financial Services Supply Chain
Discover Financial Services Supply Chain
Correlation: how closely stock prices move together
| # | Name | Trend | |||
|---|---|---|---|---|---|
| 1 | 0.56 | 0.62 | 0.96 | ||
| 2 | 0.68 | 0.22 | 0.93 | ||
| 3 | 0.54 | 0.61 | 0.88 | ||
| 4 | 0.03 | 0.05 | 0.87 | ||
| 5 | 0.31 | -0.02 | 0.86 |
Frequently asked questions about 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.
Discover Financial Services is primarily active in the financial services industry.
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.
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.
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.
Discover Financial Services primarily operates in the United States.
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.
Analysts currently set an average price target of 204.00 USD for the Discover Financial Services stock (median: 197.88 USD), implying +1.8 % versus the latest price. The consensus is based on 21 analyst ratings.
21 analysts currently rate the Discover Financial Services stock: 10 recommend buying, 11 holding and 0 selling. For 2026, analysts expect Discover Financial Services to generate revenue of 18.17 B USD and earnings per share of 16.19 USD.
Converted at the current exchange rate, the Discover Financial Services share trades at 173.34 EUR (200.48 USD).
The Discover Financial Services share (DFS) is listed on 9 stock exchanges, including: NYSE (DFS), XETRA (DC7.DE), Frankfurt (DC7.F), München (DC7.MU), Düsseldorf (DC7.DU), London (0IBC.L), London (0IBC.L), SIX (Zürich) (DC7.SW).
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.
The expected revenue of Discover Financial Services is 18.17 B USD. This figure is based on current financial data and reflects the company's business performance.
The expected profit of Discover Financial Services is 4.06 B USD. The net profit reflects the company's profitability after deducting all expenses.
The price-to-earnings ratio (P/E) of Discover Financial Services is currently 12.38. The P/E ratio compares the current share price to the earnings per share and helps investors assess the valuation of the Discover Financial Services stock.
The price-to-sales ratio (P/S) of Discover Financial Services is currently 2.77. The P/S ratio compares the market capitalization to the annual revenue and serves as a valuation metric for the Discover Financial Services stock.
The Eulerpool Quality Score for Discover Financial Services is 7/10.
The ISIN of Discover Financial Services is US2547091080. The ISIN (International Securities Identification Number) is a globally unique identifier for securities.
The WKN of Discover Financial Services is A0MUES. The WKN (Wertpapierkennnummer) is a six-digit German security identification number.
The ticker of Discover Financial Services is DFS. The ticker symbol is used to trade Discover Financial Services shares on the stock exchange.
Over the past 12 months, Discover Financial Services paid a dividend of 2.80 USD . This corresponds to a dividend yield of about 1.40 %. For the coming 12 months, Discover Financial Services is expected to pay a dividend of 3.41 USD.
The current dividend yield of Discover Financial Services is 1.40 %.
Discover Financial Services pays a dividend, distributed in the months of , , , .
Discover Financial Services paid dividends every year for the past 19 years.
For the upcoming 12 months, dividends amounting to 3.41 USD are expected. This corresponds to a dividend yield of 1.70 %.
Discover Financial Services is assigned to the 'Finance' sector.
To receive the latest dividend of Discover Financial Services from amounting to 0.7 USD, you needed to have the stock in your portfolio before the ex-date on .
The last dividend was paid out on .
In the year 2025, Discover Financial Services distributed 2.8 USD as dividends.
The dividends of Discover Financial Services are distributed in USD.
Discover Financial Services stock
Discover Financial Services Peer Group
Discover Financial Services Ticker
Discover Financial Services FIGI
All fundamentals and in-depth analysis of Discover Financial Services
Our stock analysis for Discover Financial Services 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. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.