DFS Discover Financial Services

  1. Stocks
  2. Financial Services
  3. NYSE: DFS

Price (delayed)

$142.29

Market cap

$35.66B

P/E Ratio

16.17

Dividend/share

$2.8

EPS

$8.8

Enterprise value

$41.69B

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 2.8% YoY
The debt has increased by 13% YoY but it has decreased by 4% from the previous quarter
The stock's P/E is 64% above its 5-year quarterly average of 9.8 and 63% above its last 4 quarters average of 9.9
The company's net income fell by 45% YoY and by 23% QoQ
Sector: Financial Services
Industry: Credit Services
Website: https://www.discover.com/
Peers: COF ZION TFSL

Key stats

What are the main financial stats of DFS
Market
Shares outstanding
250.6M
Market cap
$35.66B
Enterprise value
$41.69B
Valuations
Price to earnings (P/E)
16.17
Price to book (P/B)
2.42
Price to sales (P/S)
3.6
EV/EBIT
14.4
EV/EBITDA
12.56
EV/Sales
4.2
Earnings
Revenue
$9.92B
EBIT
$2.9B
EBITDA
$3.32B
Free cash flow
$8.32B
Per share
EPS
$8.8
Free cash flow per share
$33.19
Book value per share
$58.75
Revenue per share
$39.57
TBVPS
$608.38
Balance sheet
Total assets
$152.69B
Total liabilities
$137.97B
Debt
$20.48B
Equity
$14.72B
Working capital
N/A
Liquidity
Debt to equity
1.39
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
1.82
Margins
EBITDA margin
33.5%
Gross margin
100%
Net margin
22.2%
Operating margin
30%
Efficiency
Return on assets
1.5%
Return on equity
15.3%
Return on invested capital
1.9%
Return on capital employed
N/A
Return on sales
29.2%
Dividend
Dividend yield
1.97%
DPS
$2.8
Payout ratio
31.8%

DFS stock price

How has the Discover Financial Services stock price performed over time
Intraday
0.47%
1 week
0.37%
1 month
13.51%
1 year
33.62%
YTD
26.59%
QTD
8.78%

Financial performance

How have Discover Financial Services's revenue and profit performed over time
Revenue
$9.92B
Gross profit
$9.92B
Operating income
$2.97B
Net income
$2.2B
Gross margin
100%
Net margin
22.2%
Discover Financial Services's operating income has decreased by 45% YoY and by 22% QoQ
The company's net income fell by 45% YoY and by 23% QoQ
The net margin has decreased by 40% YoY and by 23% from the previous quarter
The company's operating margin fell by 39% YoY and by 23% QoQ

Growth

What is Discover Financial Services's growth rate over time

Valuation

What is Discover Financial Services stock price valuation
DFS P/E details
P/E
16.17
P/B
2.42
P/S
3.6
EV/EBIT
14.4
EV/EBITDA
12.56
EV/Sales
4.2
The stock's P/E is 64% above its 5-year quarterly average of 9.8 and 63% above its last 4 quarters average of 9.9
The company's EPS fell by 41% YoY and by 22% QoQ
The P/B is 27% above the last 4 quarters average of 1.9 and 15% above the 5-year quarterly average of 2.1
Discover Financial Services's equity has increased by 2.8% YoY
DFS's price to sales (P/S) is 28% higher than its last 4 quarters average of 2.8 and 23% higher than its 5-year quarterly average of 2.9
The revenue has declined by 9% year-on-year

Efficiency

How efficient is Discover Financial Services business performance
The ROA has plunged by 53% YoY and by 25% from the previous quarter
The ROIC has plunged by 51% YoY and by 24% from the previous quarter
The company's return on equity fell by 46% YoY and by 24% QoQ
The company's return on sales fell by 40% YoY and by 23% QoQ

Dividends

What is DFS's dividend history
DPS
$2.8
Dividend yield
1.97%
Payout ratio
31.8%
Recent dividends

Financial health

How did Discover Financial Services financials performed over time
The total assets is 11% more than the total liabilities
The company's total liabilities rose by 16% YoY
The total assets has grown by 15% YoY
The debt is 39% more than the equity
The debt has increased by 13% YoY but it has decreased by 4% from the previous quarter
DFS's debt to equity is up by 9% year-on-year but it is down by 3.5% since the previous quarter

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.