DFS Discover Financial Services
Price (delayed)
$194.34
Market cap
$48.9B
P/E Ratio
10.97
Dividend/share
$2.8
EPS
$17.72
Enterprise value
$56.65B
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 company's EPS has surged by 65% YoY and by 26% QoQ
The company's net income has surged by 64% YoY and by 26% QoQ
The stock's P/E is 12% above its 5-year quarterly average of 9.8 and 3.5% above its last 4 quarters average of 10.6
Key stats
What are the main financial stats of DFS
Market
Valuations
Earnings
Shares outstanding
251.6M
Market cap
$48.9B
Enterprise value
$56.65B
Price to earnings (P/E)
10.97
Price to book (P/B)
2.72
Price to sales (P/S)
3.76
EV/EBIT
9.47
EV/EBITDA
9.01
EV/Sales
4.36
Revenue
$13B
Gross profit
$13B
Operating income
$6.07B
Net income
$4.45B
EBIT
$5.99B
EBITDA
$6.29B
Free cash flow
$8.22B
Per share
Balance sheet
Liquidity
EPS
$17.72
EPS diluted
$17.72
Free cash flow per share
$32.7
Book value per share
$71.35
Revenue per share
$51.74
TBVPS
$586.66
Total assets
$147.64B
Total liabilities
$129.71B
Debt
$16.25B
Equity
$17.93B
Working capital
N/A
Debt to equity
0.91
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
1.23
Margins
Efficiency
Dividend
EBITDA margin
48.3%
Gross margin
100%
Net margin
34.2%
Operating margin
46.7%
Return on assets
2.9%
Return on equity
27.1%
Return on invested capital
3.8%
Return on capital employed
N/A
Return on sales
46%
Dividend yield
1.44%
DPS
$2.8
Payout ratio
15.8%
DFS stock price
How has the Discover Financial Services stock price performed over time
Intraday
-2.78%
1 week
-0.83%
1 month
2.68%
1 year
61%
YTD
12.19%
QTD
12.19%
Financial performance
How have Discover Financial Services's revenue and profit performed over time
Revenue
$13B
Gross profit
$13B
Operating income
$6.07B
Net income
$4.45B
Gross margin
100%
Net margin
34.2%
Discover Financial Services's operating income has surged by 67% YoY and by 25% QoQ
The company's net income has surged by 64% YoY and by 26% QoQ
The revenue has grown by 33% year-on-year and by 11% since the previous quarter
Discover Financial Services's gross profit has increased by 33% YoY and by 11% from the previous quarter
Growth
What is Discover Financial Services's growth rate over time
Valuation
What is Discover Financial Services stock price valuation
P/E
10.97
P/B
2.72
P/S
3.76
EV/EBIT
9.47
EV/EBITDA
9.01
EV/Sales
4.36
The company's EPS has surged by 65% YoY and by 26% QoQ
The stock's P/E is 12% above its 5-year quarterly average of 9.8 and 3.5% above its last 4 quarters average of 10.6
The P/B is 30% above the 5-year quarterly average of 2.1 and 24% above the last 4 quarters average of 2.2
Discover Financial Services's equity has increased by 26% YoY and by 4.8% from the previous quarter
The revenue has grown by 33% year-on-year and by 11% since the previous quarter
DFS's price to sales (P/S) is 30% higher than its 5-year quarterly average of 2.9 and 18% higher than its last 4 quarters average of 3.2
Efficiency
How efficient is Discover Financial Services business performance
The ROIC has soared by 58% YoY and by 27% from the previous quarter
The ROA has soared by 53% YoY and by 26% from the previous quarter
The company's return on equity rose by 41% YoY and by 19% QoQ
The company's return on sales rose by 26% YoY and by 13% QoQ
Dividends
What is DFS's dividend history
DPS
$2.8
Dividend yield
1.44%
Payout ratio
15.8%
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 14% more than the total liabilities
The company's total liabilities fell by 6% YoY and by 3.6% QoQ
The total assets has contracted by 2.7% YoY and by 2.6% from the previous quarter
The debt is 9% less than the equity
DFS's debt to equity is down by 39% year-on-year and by 14% since the previous quarter
Discover Financial Services's equity has increased by 26% YoY and by 4.8% from the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.