DFS Discover Financial Services

Price (delayed)

$92.27

Market cap

$28.28B

P/E Ratio

28.3

Dividend/share

$1.76

EPS

$3.26

Enterprise value

$50.73B

Sector: Financial Services
Industry: Credit Services

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 shrunk by 63% YoY but it rose by 2.8% QoQ
Discover Financial Services's equity has decreased by 13% YoY but it has increased by 6% from the previous quarter
The stock's P/E is 160% above its 5-year quarterly average of 10.9 and 136% above its last 4 quarters average of 12.0
The company's net income has shrunk by 65% YoY

Key stats

What are the main financial stats of DFS
Market
Shares outstanding
306.5M
Market cap
$28.28B
Enterprise value
$50.73B
Valuations
Price to earnings (P/E)
28.3
Price to book (P/B)
2.76
Price to sales (P/S)
4.9
EV/EBIT
38.94
EV/EBITDA
28.41
EV/Sales
8.79
Earnings
Revenue
$5.77B
EBIT
$1.3B
EBITDA
$1.79B
Free cash flow
$5.75B
Per share
EPS
$3.26
Free cash flow per share
$18.76
Book value per share
$33.46
Revenue per share
$18.83
TBVPS
$404.67
Balance sheet
Total assets
$124.35B
Total liabilities
$114.1B
Debt
$32.54B
Equity
$10.25B
Working capital
N/A
Liquidity
Debt to equity
3.17
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
12.57
Margins
EBITDA margin
31%
Gross margin
100%
Net margin
17.5%
Operating margin
23.3%
Efficiency
Return on assets
0.9%
Return on equity
9.7%
Return on invested capital
1%
Return on capital employed
N/A
Return on sales
22.6%
Dividend
Dividend yield
1.91%
DPS
$1.76
Payout ratio
54%

DFS stock price

How has the Discover Financial Services stock price performed over time
Intraday
-2.09%
1 week
-5.62%
1 month
6.25%
1 year
8.12%
YTD
1.92%
QTD
1.92%

Financial performance

How have Discover Financial Services's revenue and profit performed over time
Revenue
$5.77B
Gross profit
$5.77B
Operating income
$1.34B
Net income
$1.01B
Gross margin
100%
Net margin
17.5%
The company's net income has shrunk by 65% YoY
Discover Financial Services's operating income has shrunk by 65% YoY and by 2.5% QoQ
The net margin has plunged by 51% YoY but it has increased by 2.3% from the previous quarter
The company's operating margin has shrunk by 50% YoY

Growth

What is Discover Financial Services's growth rate over time

Valuation

What is Discover Financial Services stock price valuation
P/E
28.3
P/B
2.76
P/S
4.9
EV/EBIT
38.94
EV/EBITDA
28.41
EV/Sales
8.79
The stock's P/E is 160% above its 5-year quarterly average of 10.9 and 136% above its last 4 quarters average of 12.0
The company's EPS has shrunk by 63% YoY but it rose by 2.8% QoQ
The P/B is 62% above the last 4 quarters average of 1.7 and 31% above the 5-year quarterly average of 2.1
Discover Financial Services's equity has decreased by 13% YoY but it has increased by 6% from the previous quarter
DFS's price to sales (P/S) is 88% higher than its last 4 quarters average of 2.6 and 58% higher than its 5-year quarterly average of 3.1
The revenue has declined by 29% year-on-year and by 2.3% since the previous quarter

Efficiency

How efficient is Discover Financial Services business performance
The ROIC has plunged by 67% YoY
The ROA has plunged by 65% YoY
The company's return on equity has shrunk by 62% YoY but it rose by 3.2% QoQ
The company's return on sales has shrunk by 51% YoY

Dividends

What is DFS's dividend history
DPS
$1.76
Dividend yield
1.91%
Payout ratio
54%
Recent dividends

Financial health

How did Discover Financial Services financials performed over time
The total assets is 9% more than the total liabilities
The company's total liabilities rose by 15% YoY and by 10% QoQ
The total assets has grown by 12% YoY and by 9% from the previous quarter
DFS's debt to equity has surged by 52% year-on-year and by 32% since the previous quarter
The debt has increased by 40% from the previous quarter and by 33% YoY

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