Have a feature idea you'd love to see implemented?
Let us know!
Price (delayed)
$173.16
Market cap
$43.48B
P/E Ratio
15.3
Dividend/share
$2.8
EPS
$11.32
Enterprise value
$51.72B
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 16% YoY and by 9% from the previous quarter
The revenue has grown by 12% since the previous quarter and by 3.7% year-on-year
The company's EPS rose by 29% QoQ but it fell by 21% YoY
The company's net income rose by 28% QoQ but it fell by 26% YoY
The stock's P/E is 55% above its 5-year quarterly average of 9.9 and 43% above its last 4 quarters average of 10.7
Key stats
What are the main financial stats of DFS
Market
Valuations
Earnings
Shares outstanding
251.07M
Market cap
$43.48B
Enterprise value
$51.72B
Price to book (P/B)
2.7
Price to sales (P/S)
3.89
EV/EBIT
13.64
EV/EBITDA
12.37
EV/Sales
4.64
Revenue
$11.14B
Gross profit
$11.14B
Net income
$2.83B
EBIT
$3.79B
EBITDA
$4.18B
Free cash flow
$9.46B
Per share
Balance sheet
Liquidity
EPS
$11.32
EPS diluted
$11.32
Free cash flow per share
$37.77
Book value per share
$64.11
Revenue per share
$44.46
TBVPS
$601.01
Total assets
$150.87B
Total liabilities
$134.8B
Debt
$19.14B
Equity
$16.07B
Working capital
N/A
Debt to equity
1.19
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
1.97
Margins
Efficiency
Dividend
EBITDA margin
37.5%
Gross margin
100%
Net margin
25.4%
Operating margin
34.8%
Return on assets
1.9%
Return on equity
18.9%
Return on invested capital
2.4%
Return on capital employed
N/A
Return on sales
34%
Dividend yield
1.62%
DPS
$2.8
Payout ratio
24.7%
DFS stock price
How has the Discover Financial Services stock price performed over time
Intraday
2.3%
1 week
-1.61%
1 month
0.23%
1 year
60.9%
YTD
54.06%
QTD
23.43%
Financial performance
How have Discover Financial Services's revenue and profit performed over time
Revenue
$11.14B
Gross profit
$11.14B
Operating income
$3.87B
Net income
$2.83B
Gross margin
100%
Net margin
25.4%
Discover Financial Services's operating income has increased by 30% QoQ but it has decreased by 24% YoY
The net margin has decreased by 28% YoY but it has increased by 14% from the previous quarter
The company's net income rose by 28% QoQ but it fell by 26% YoY
The company's operating margin fell by 27% YoY but it rose by 16% QoQ
Growth
What is Discover Financial Services's growth rate over time
Valuation
What is Discover Financial Services stock price valuation
P/E
15.3
P/B
2.7
P/S
3.89
EV/EBIT
13.64
EV/EBITDA
12.37
EV/Sales
4.64
The stock's P/E is 55% above its 5-year quarterly average of 9.9 and 43% above its last 4 quarters average of 10.7
The company's EPS rose by 29% QoQ but it fell by 21% YoY
The P/B is 42% above the last 4 quarters average of 1.9 and 29% above the 5-year quarterly average of 2.1
Discover Financial Services's equity has increased by 16% YoY and by 9% from the previous quarter
DFS's price to sales (P/S) is 39% higher than its last 4 quarters average of 2.8 and 34% higher than its 5-year quarterly average of 2.9
The revenue has grown by 12% since the previous quarter and by 3.7% year-on-year
Efficiency
How efficient is Discover Financial Services business performance
The ROA has contracted by 34% YoY but it has grown by 27% from the previous quarter
The ROIC has contracted by 33% YoY but it has grown by 26% from the previous quarter
The company's return on equity fell by 30% YoY but it rose by 24% QoQ
The company's return on sales fell by 27% YoY but it rose by 16% QoQ
Dividends
What is DFS's dividend history
DPS
$2.8
Dividend yield
1.62%
Payout ratio
24.7%
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 12% more than the total liabilities
The total assets has grown by 9% YoY
The company's total liabilities rose by 9% YoY but it fell by 2.3% QoQ
The debt is 19% more than the equity
DFS's debt to equity is down by 18% year-on-year and by 14% since the previous quarter
Discover Financial Services's equity has increased by 16% YoY and by 9% from the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.