DFS Discover Financial Services

Price (delayed)

$65.56

Market cap

$20.09B

P/E Ratio

20.68

Dividend/share

$1.76

EPS

$3.17

Enterprise value

$28.12B

Sector: Financial Services
Industry: Credit Services
Discover Financial Services is a holding company, which engages in the provision of direct banking and payment services. It operates through the Direct Banking and Payment Services segments. The Direct Banking segment offers Discover-branded credit cards issued to individuals and small businesses on the Discover Network; and consumer banking products and services, including private student loans, personal loans, home equity loans, and deposit products. The Payment Services segment includes PULSE, Diners Club, and the company's network partners business, which includes credit, debit, and prepaid cards issued on the Discover Network by third parties. The company was founded in 1986 and is headquartered in Riverwoods, IL.

Highlights

The debt has decreased by 11% from the previous quarter and by 8% YoY
The stock's P/E is 109% above its last 4 quarters average of 9.9 and 97% above its 5-year quarterly average of 10.5
The company's net income has shrunk by 64% YoY and by 53% QoQ

Key stats

What are the main financial stats of DFS
Market
Shares outstanding
306.42M
Market cap
$20.09B
Enterprise value
$28.12B
Valuations
Price to earnings (P/E)
20.68
Price to book (P/B)
2.08
Price to sales (P/S)
3.4
EV/EBIT
21.03
EV/EBITDA
15.47
EV/Sales
4.76
Earnings
Revenue
$5.91B
EBIT
$1.34B
EBITDA
$1.82B
Free cash flow
$5.26B
Per share
EPS
$3.17
Free cash flow per share
$17.19
Book value per share
$31.48
Revenue per share
$19.28
TBVPS
$370.36
Balance sheet
Total assets
$113.79B
Total liabilities
$104.15B
Debt
$23.19B
Equity
$9.64B
Working capital
N/A
Liquidity
Debt to equity
2.41
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
4.42
Margins
EBITDA margin
30.8%
Gross margin
100%
Net margin
17.1%
Operating margin
23.3%
Efficiency
Return on assets
0.9%
Return on equity
9.4%
Return on invested capital
1%
Return on capital employed
N/A
Return on sales
22.6%
Dividend
Dividend yield
2.68%
DPS
$1.76
Payout ratio
55.5%

DFS stock price

How has the Discover Financial Services stock price performed over time

Financial performance

How have Discover Financial Services's revenue and profit performed over time
Revenue
$5.91B
Gross profit
$5.91B
Operating income
$1.38B
Net income
$1.01B
Gross margin
100%
Net margin
17.1%
The company's net income has shrunk by 64% YoY and by 53% QoQ
Discover Financial Services's operating income has shrunk by 64% YoY and by 51% QoQ
The net margin has plunged by 52% YoY and by 41% from the previous quarter
The company's operating margin has shrunk by 51% YoY and by 39% QoQ

Growth

What is Discover Financial Services's growth rate over time

Valuation

What is Discover Financial Services stock price valuation
P/E
20.68
P/B
2.08
P/S
3.4
EV/EBIT
21.03
EV/EBITDA
15.47
EV/Sales
4.76
The stock's P/E is 109% above its last 4 quarters average of 9.9 and 97% above its 5-year quarterly average of 10.5
The company's EPS has shrunk by 63% YoY and by 53% QoQ
Discover Financial Services's equity has decreased by 16% YoY
The P/B is 16% above the last 4 quarters average of 1.8
DFS's price to sales (P/S) is 31% higher than its last 4 quarters average of 2.6 and 10% higher than its 5-year quarterly average of 3.1
The revenue has declined by 26% year-on-year and by 20% since the previous quarter

Efficiency

How efficient is Discover Financial Services business performance
The ROIC has plunged by 68% YoY and by 55% from the previous quarter
The ROA has plunged by 65% YoY and by 53% from the previous quarter
The company's return on equity has shrunk by 63% YoY and by 51% QoQ
The company's return on sales has shrunk by 51% YoY and by 40% QoQ

Dividends

What is DFS's dividend history
DPS
$1.76
Dividend yield
2.68%
Payout ratio
55.5%
Recent dividends

Financial health

How did Discover Financial Services financials performed over time
The total assets is 9% more than the total liabilities
The debt is 141% more than the equity
The debt has decreased by 11% from the previous quarter and by 8% YoY
DFS's debt to equity is down by 11% since the previous quarter but it is up by 10% year-on-year

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