DFS Discover Financial Services

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

Price (delayed)

$92.24

Market cap

$24.16B

P/E Ratio

5.94

Dividend/share

$2.4

EPS

$15.52

Enterprise value

$35.37B

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
The stock's P/E is 41% below its 5-year quarterly average of 10.0 and 4.2% below its last 4 quarters average of 6.2
Discover Financial Services's equity has increased by 9% YoY and by 2.1% from the previous quarter
The company's net income fell by 20% YoY
The company's EPS fell by 13% YoY
Sector: Financial Services
Industry: Credit Services
Website: https://www.discover.com/
Peers: COF ZION TFSL ASB

Key stats

What are the main financial stats of DFS
Market
Shares outstanding
261.93M
Market cap
$24.16B
Enterprise value
$35.37B
Valuations
Price to earnings (P/E)
5.94
Price to book (P/B)
1.73
Price to sales (P/S)
2.3
EV/EBIT
6.26
EV/EBITDA
5.69
EV/Sales
3.22
Earnings
Revenue
$10.98B
EBIT
$5.65B
EBITDA
$6.22B
Free cash flow
$6.91B
Per share
EPS
$15.52
Free cash flow per share
$25.3
Book value per share
$53.4
Revenue per share
$40.18
TBVPS
$480.82
Balance sheet
Total assets
$131.63B
Total liabilities
$117.04B
Debt
$20.11B
Equity
$14.59B
Working capital
N/A
Liquidity
Debt to equity
1.38
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
1.8
Margins
EBITDA margin
56.6%
Gross margin
100%
Net margin
39.2%
Operating margin
52.3%
Efficiency
Return on assets
3.6%
Return on equity
30.7%
Return on invested capital
4.4%
Return on capital employed
N/A
Return on sales
51.5%
Dividend
Dividend yield
2.6%
DPS
$2.4
Payout ratio
15.5%

DFS stock price

How has the Discover Financial Services stock price performed over time
Intraday
-3.39%
1 week
-9.69%
1 month
-17.04%
1 year
-18.82%
YTD
-5.71%
QTD
-5.71%

Financial performance

How have Discover Financial Services's revenue and profit performed over time
Revenue
$10.98B
Gross profit
$10.98B
Operating income
$5.74B
Net income
$4.3B
Gross margin
100%
Net margin
39.2%
The company's net income fell by 20% YoY
Discover Financial Services's operating income has decreased by 19% YoY
The net margin has decreased by 13% YoY and by 2.5% from the previous quarter
The company's operating margin fell by 12% YoY

Growth

What is Discover Financial Services's growth rate over time

Valuation

What is Discover Financial Services stock price valuation
P/E
5.94
P/B
1.73
P/S
2.3
EV/EBIT
6.26
EV/EBITDA
5.69
EV/Sales
3.22
The stock's P/E is 41% below its 5-year quarterly average of 10.0 and 4.2% below its last 4 quarters average of 6.2
The company's EPS fell by 13% YoY
The P/B is 18% below the 5-year quarterly average of 2.1 and 14% below the last 4 quarters average of 2.0
Discover Financial Services's equity has increased by 9% YoY and by 2.1% from the previous quarter
DFS's price to sales (P/S) is 23% lower than its 5-year quarterly average of 3.0 and 8% lower than its last 4 quarters average of 2.5
The revenue has declined by 8% year-on-year

Efficiency

How efficient is Discover Financial Services business performance
The ROIC has contracted by 28% YoY and by 6% from the previous quarter
The company's return on equity fell by 25% YoY and by 2.8% QoQ
The ROA has contracted by 25% YoY and by 5% from the previous quarter
The company's return on sales fell by 12% YoY

Dividends

What is DFS's dividend history
DPS
$2.4
Dividend yield
2.6%
Payout ratio
15.5%
Recent dividends

Financial health

How did Discover Financial Services financials performed over time
The total assets is 12% more than the total liabilities
The company's total liabilities rose by 21% YoY and by 9% QoQ
The total assets has grown by 19% YoY and by 8% from the previous quarter
The debt is 38% more than the equity
DFS's debt to equity is down by 9% year-on-year and by 2.1% since the previous quarter
Discover Financial Services's equity has increased by 9% YoY and by 2.1% from the previous quarter

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