Discover Financial Services (DFS) Stock Price
Discover Financial Services Price
Discover Financial Services (DFS) Stock | ISIN US2547091080 | WKN A0MUES. The current Discover Financial Services stock price is 200.48 USD (2026). Revenue is 18.25 B USD. Net income is 4.04 B USD. The P/E ratio is 12.46. Market capitalization is 50.32 B USD. Discover Financial Services operates in the Finance sector.
Revenue has compounded at 8.4% per year over the past 19 years to 23.63 B USD. Earnings per share have grown at 15.2% per year over the last 19 years. Discover Financial Services's net margin stands at 18.8%, up from 8.5% several years earlier. Discover Financial Services currently offers a dividend yield of about 1.4%. The payout ratio is around 17% of earnings. The dividend has grown at 20.4% per year over the past 17 years.
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.
| Date | Discover Financial Services Price |
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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
| REVENUE (B USD) |
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| REVENUE GROWTH (%) |
| GROSS MARGIN (%) |
| GROSS INCOME (B USD) |
| NET INCOME (B USD) |
| NET INCOME GROWTH (%) |
| DIVIDEND (USD)DIV. (USD) |
| DIVIDEND GROWTH (%)DIV. GROWTH (%) |
| SHARES (M) |
| DOCUMENTS |
| 2022 | 2023 | 2024 | 2025e | 2026e | 2027e | 2028e | 2029e |
|---|---|---|---|---|---|---|---|
| 15.16 | 20.54 | 23.63 | 17.6 | 18.25 | 18.86 | 19.34 | 20.38 |
| 14.65 | 35.51 | 15.06 | -25.53 | 3.66 | 3.39 | 2.52 | 5.4 |
| 69.04 | 50.95 | 44.28 | 59.46 | 57.36 | 55.48 | 54.12 | 51.34 |
| 10.47 | 10.47 | 10.47 | 10.47 | 10.47 | 10.47 | 10.47 | 10.47 |
| 4.29 | 2.72 | 4.45 | 3.67 | 4.04 | 4.56 | 3.71 | 3.86 |
| -19.9 | -36.65 | 63.76 | -17.43 | 9.97 | 12.83 | -18.49 | 4.04 |
| 2.4 | 2.7 | 2.8 | 2.8 | 3.24 | 3.37 | - | - |
| 27.66 | 12.5 | 3.7 | – | 15.71 | 4.01 | – | – |
| 278 | 254 | 251 | 251 | 251 | 251 | 251 | 251 |
| – | – | – | – | – | – | – | – |
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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 Eulerpool Fair Value
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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Discover Financial Services Earnings Estimates
Discover Financial Services Earnings Estimates
| Date | EPS estimate | Revenue Estimate | 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 |
| 1/16/2024 | 2.97USD | 4.06 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 |
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 |
|---|---|
0.05495% | |
0.0265% | |
0.02453% | |
0.02398% | |
0.017% | |
0.0151% | |
0.01439% | |
0.01191% | |
0.01065% | |
0.00888% |
Discover Financial Services Executives and Management Board
Mr. John Greene
(58)Chief Financial Officer, Executive Vice President
Mr. Daniel Capozzi
(52)Executive Vice President, President - U.S. Cards
Mr. Keith Toney
(52)Executive Vice President, President - Credit and Decision Management
Mr. John Owen
(63)Director · since 2022
Mr. Thomas Maheras
(61)Non-Executive Independent Chairman of the Board
Discover Financial Services Supply Chain
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 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 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.