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Price (delayed)
$194.58
Market cap
$48.88B
P/E Ratio
13.81
Dividend/share
$2.8
EPS
$14.09
Enterprise value
$56.24B
Discover Financial Services is an American financial services company that owns and operates Discover Bank, which offers checking and savings accounts, personal loans, home equity loans, student loans and credit
Highlights
Discover Financial Services's equity has increased by 20% YoY and by 7% from the previous quarter
The revenue has grown by 14% year-on-year and by 6% since the previous quarter
The stock's P/E is 37% above its 5-year quarterly average of 9.8 and 24% above its last 4 quarters average of 10.8
Key stats
What are the main financial stats of DFS
Market
Valuations
Earnings
Shares outstanding
251.23M
Market cap
$48.88B
Enterprise value
$56.24B
Price to earnings (P/E)
13.81
Price to book (P/B)
2.86
Price to sales (P/S)
4.17
EV/EBIT
11.79
EV/EBITDA
10.93
EV/Sales
4.8
Revenue
$11.71B
Gross profit
$11.71B
Net income
$3.53B
EBIT
$4.77B
EBITDA
$5.14B
Free cash flow
$9.11B
Per share
Balance sheet
Liquidity
EPS
$14.09
EPS diluted
$14.08
Free cash flow per share
$36.27
Book value per share
$68.14
Revenue per share
$46.65
TBVPS
$602.86
Total assets
$151.62B
Total liabilities
$134.51B
Debt
$18.18B
Equity
$17.11B
Working capital
N/A
Debt to equity
1.06
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
1.43
Margins
Efficiency
Dividend
EBITDA margin
43.9%
Gross margin
100%
Net margin
30.1%
Operating margin
41.4%
Return on assets
2.3%
Return on equity
22.7%
Return on invested capital
3%
Return on capital employed
N/A
Return on sales
40.7%
Dividend yield
1.44%
DPS
$2.8
Payout ratio
19.9%
DFS stock price
How has the Discover Financial Services stock price performed over time
Intraday
2.81%
1 week
3.75%
1 month
12.37%
1 year
95.26%
YTD
12.32%
QTD
12.32%
Financial performance
How have Discover Financial Services's revenue and profit performed over time
Revenue
$11.71B
Gross profit
$11.71B
Operating income
$4.86B
Net income
$3.53B
Gross margin
100%
Net margin
30.1%
The revenue has grown by 14% year-on-year and by 6% since the previous quarter
Discover Financial Services's gross profit has increased by 14% YoY and by 6% from the previous quarter
Discover Financial Services's operating income has increased by 10% YoY and by 10% QoQ
The company's net income rose by 9% QoQ and by 6% YoY
Growth
What is Discover Financial Services's growth rate over time
Valuation
What is Discover Financial Services stock price valuation
P/E
13.81
P/B
2.86
P/S
4.17
EV/EBIT
11.79
EV/EBITDA
10.93
EV/Sales
4.8
The stock's P/E is 37% above its 5-year quarterly average of 9.8 and 24% above its last 4 quarters average of 10.8
The company's EPS rose by 11% YoY and by 9% QoQ
The P/B is 32% above the 5-year quarterly average of 2.1 and 32% above the last 4 quarters average of 2.1
Discover Financial Services's equity has increased by 20% YoY and by 7% from the previous quarter
DFS's price to sales (P/S) is 40% higher than its 5-year quarterly average of 2.9 and 31% higher than its last 4 quarters average of 3.1
The revenue has grown by 14% year-on-year and by 6% since the previous quarter
Efficiency
How efficient is Discover Financial Services business performance
The ROIC has grown by 11% from the previous quarter
The ROA has grown by 4.5% from the previous quarter but it has contracted by 4.2% YoY
The company's return on sales rose by 3.8% QoQ but it fell by 3.6% YoY
The company's return on equity rose by 3.7% QoQ but it fell by 3.4% YoY
Dividends
What is DFS's dividend history
DPS
$2.8
Dividend yield
1.44%
Payout ratio
19.9%
Recent dividends
Special dividends are included in TTM DPS and yield
Financial health
How did Discover Financial Services financials performed over time
The total assets is 13% more than the total liabilities
The total assets has grown by 6% YoY
The company's total liabilities rose by 4.1% YoY
The debt is 6% more than the equity
DFS's debt to equity is down by 23% year-on-year and by 12% since the previous quarter
Discover Financial Services's equity has increased by 20% YoY and by 7% from the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.