DFS Discover Financial Services

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

Price (delayed)

$125.35

Market cap

$31.41B

P/E Ratio

11.12

Dividend/share

$2.8

EPS

$11.27

Enterprise value

$41.01B

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 4.2% from the previous quarter and by 3.4% YoY
The stock's P/E is 43% above its last 4 quarters average of 7.8 and 17% above its 5-year quarterly average of 9.5
The company's net income fell by 33% YoY and by 18% 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
250.56M
Market cap
$31.41B
Enterprise value
$41.01B
Valuations
Price to earnings (P/E)
11.12
Price to book (P/B)
2.11
Price to sales (P/S)
3.18
EV/EBIT
10.95
EV/EBITDA
9.76
EV/Sales
4.17
Earnings
Revenue
$9.84B
EBIT
$3.75B
EBITDA
$4.2B
Free cash flow
$8.26B
Per share
EPS
$11.27
Free cash flow per share
$33.03
Book value per share
$59.3
Revenue per share
$39.36
TBVPS
$604.93
Balance sheet
Total assets
$151.52B
Total liabilities
$136.69B
Debt
$21.33B
Equity
$14.83B
Working capital
N/A
Liquidity
Debt to equity
1.44
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
2.28
Margins
EBITDA margin
42.7%
Gross margin
100%
Net margin
29%
Operating margin
38.9%
Efficiency
Return on assets
2%
Return on equity
20%
Return on invested capital
2.5%
Return on capital employed
N/A
Return on sales
38.1%
Dividend
Dividend yield
2.23%
DPS
$2.8
Payout ratio
24.8%

DFS stock price

How has the Discover Financial Services stock price performed over time
Intraday
0.87%
1 week
3.67%
1 month
3.39%
1 year
18.52%
YTD
11.52%
QTD
-4.38%

Financial performance

How have Discover Financial Services's revenue and profit performed over time
Revenue
$9.84B
Gross profit
$9.84B
Operating income
$3.83B
Net income
$2.86B
Gross margin
100%
Net margin
29%
Discover Financial Services's operating income has decreased by 33% YoY and by 18% QoQ
The company's net income fell by 33% YoY and by 18% QoQ
The net margin has decreased by 26% YoY and by 14% from the previous quarter
The company's operating margin fell by 26% YoY and by 13% 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
11.12
P/B
2.11
P/S
3.18
EV/EBIT
10.95
EV/EBITDA
9.76
EV/Sales
4.17
The stock's P/E is 43% above its last 4 quarters average of 7.8 and 17% above its 5-year quarterly average of 9.5
The company's EPS fell by 27% YoY and by 16% QoQ
The P/B is 17% above the last 4 quarters average of 1.8
Discover Financial Services's equity has increased by 4.2% from the previous quarter and by 3.4% YoY
DFS's price to sales (P/S) is 27% higher than its last 4 quarters average of 2.5 and 10% higher than its 5-year quarterly average of 2.9
The revenue has declined by 10% year-on-year and by 5% since the previous quarter

Efficiency

How efficient is Discover Financial Services business performance
The ROA has contracted by 44% YoY and by 23% from the previous quarter
The ROIC has contracted by 43% YoY and by 19% from the previous quarter
The company's return on equity fell by 35% YoY and by 19% QoQ
The company's return on sales fell by 26% YoY and by 14% QoQ

Dividends

What is DFS's dividend history
DPS
$2.8
Dividend yield
2.23%
Payout ratio
24.8%
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 and by 6% QoQ
The total assets has grown by 15% YoY and by 6% from the previous quarter
The debt is 44% more than the equity
The debt has increased by 10% from the previous quarter and by 6% YoY
DFS's debt to equity is up by 5% since the previous quarter and by 2.9% year-on-year

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