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Discover Financial Services

DFS

(2.8)
Stock Price

143,92 USD

2.51% ROA

20.6% ROE

7.61x PER

Market Cap.

27.346.342.880,00 USD

136.74% DER

2.47% Yield

17.07% NPM

Discover Financial Services Stock Analysis

Discover Financial Services Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Discover Financial Services Fundamental Stock Analysis
# Analysis Rating
1 ROE

The stock's ROE exceeds expectations (25.22%), revealing strong profitability and efficient use of shareholders' equity, making it an attractive investment opportunity.

2 Dividend Growth

The company has demonstrated exceptional dividend growth over the past five years, consistently increasing payouts to shareholders year after year.

3 Dividend

The company's consistent dividend payouts over the past five years exemplify its strong commitment to providing shareholders with reliable returns, making it an attractive investment option.

4 ROA

The stock's ROA (2.51%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

5 PBV

The stock's PBV ratio (1.52x) indicates a justifiable valuation, presenting a compelling choice for investors seeking reasonable returns.

6 Assets Growth

With a track record of continuous revenue growth in the last three years, this company offers a promising investment opportunity

7 Graham Number

The Graham number analysis indicates that this company's stock price is likely undervalued, raising prospects for a favorable investment opportunity.

8 Buffet Intrinsic Value

The company's stock presents an enticing opportunity as it appears undervalued (637) by Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

9 DER

The stock is burdened with a heavy load of debt (137%), making it financially unstable and potentially risky for investors.

10 Revenue Growth

Company's revenue has remained stagnant over the past three years, indicating a lack of growth and making it a less favorable option.

11 Net Profit Growth

This company's net profit has remained stagnant over the past five years, indicating a lack of growth and making it a less favorable investment option.

Discover Financial Services Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Discover Financial Services Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Discover Financial Services Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Discover Financial Services Revenue
Year Revenue Growth
2003 1.259.028.000
2004 6.351.498.000 80.18%
2005 5.866.585.000 -8.27%
2006 6.222.809.000 5.72%
2007 6.294.486.000 1.14%
2008 6.300.434.000 0.09%
2009 6.861.338.000 8.17%
2010 6.658.229.000 -3.05%
2011 7.065.000.000 5.76%
2012 7.690.000.000 8.13%
2013 8.224.000.000 6.49%
2014 8.477.000.000 2.98%
2015 8.739.000.000 3%
2016 9.099.000.000 3.96%
2017 9.897.000.000 8.06%
2018 10.709.000.000 7.58%
2019 11.459.000.000 6.55%
2020 11.088.000.000 -3.35%
2021 12.087.000.000 8.27%
2022 13.337.000.000 9.37%
2023 16.176.000.000 17.55%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Discover Financial Services Research and Development Expenses
Year Research and Development Expenses Growth
2003 0
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Discover Financial Services General and Administrative Expenses
Year General and Administrative Expenses Growth
2003 0
2004 758.912.000 100%
2005 869.635.000 12.73%
2006 933.196.000 6.81%
2007 922.089.000 -1.2%
2008 845.392.000 -9.07%
2009 827.683.000 -2.14%
2010 1.060.760.000 21.97%
2011 914.000.000 -16.06%
2012 1.054.000.000 13.28%
2013 1.164.000.000 9.45%
2014 1.242.000.000 6.28%
2015 1.327.000.000 6.41%
2016 1.379.000.000 3.77%
2017 1.512.000.000 8.8%
2018 1.627.000.000 7.07%
2019 1.738.000.000 6.39%
2020 1.894.000.000 8.24%
2021 1.986.000.000 4.63%
2022 2.139.000.000 7.15%
2023 2.300.000.000 7%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Discover Financial Services EBITDA
Year EBITDA Growth
2003 1.816.575.000
2004 2.751.203.000 33.97%
2005 2.939.664.000 6.41%
2006 4.142.692.000 29.04%
2007 2.562.258.000 -61.68%
2008 2.957.670.000 13.37%
2009 3.575.674.000 17.28%
2010 3.023.852.000 -18.25%
2011 5.015.869.000 39.71%
2012 5.351.000.000 6.26%
2013 5.424.000.000 1.35%
2014 5.197.000.000 -4.37%
2015 5.266.000.000 1.31%
2016 5.405.000.000 2.57%
2017 5.578.000.000 3.1%
2018 6.171.000.000 9.61%
2019 4.271.000.000 -44.49%
2020 1.920.000.000 -122.45%
2021 7.595.000.000 74.72%
2022 8.168.000.000 7.02%
2023 3.552.000.000 -129.95%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Discover Financial Services Gross Profit
Year Gross Profit Growth
2003 1.259.028.000
2004 6.351.498.000 80.18%
2005 5.866.585.000 -8.27%
2006 6.222.809.000 5.72%
2007 5.051.873.000 -23.18%
2008 4.805.383.000 -5.13%
2009 6.734.391.000 28.64%
2010 6.658.229.000 -1.14%
2011 7.065.761.000 5.77%
2012 7.653.000.000 7.67%
2013 8.224.000.000 6.94%
2014 8.477.000.000 2.98%
2015 8.739.000.000 3%
2016 9.099.000.000 3.96%
2017 9.897.000.000 8.06%
2018 10.709.000.000 7.58%
2019 11.459.000.000 6.55%
2020 11.088.000.000 -3.35%
2021 12.087.000.000 8.27%
2022 13.337.000.000 9.37%
2023 16.176.000.000 17.55%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Discover Financial Services Net Profit
Year Net Profit Growth
2003 648.631.000
2004 776.253.000 16.44%
2005 577.915.000 -34.32%
2006 1.076.616.000 46.32%
2007 588.630.000 -82.9%
2008 927.750.000 36.55%
2009 1.276.185.000 27.3%
2010 764.788.000 -66.87%
2011 2.227.000.000 65.66%
2012 2.351.000.000 5.27%
2013 2.470.000.000 4.82%
2014 2.323.000.000 -6.33%
2015 2.297.000.000 -1.13%
2016 2.393.000.000 4.01%
2017 2.099.000.000 -14.01%
2018 2.742.000.000 23.45%
2019 2.957.000.000 7.27%
2020 1.141.000.000 -159.16%
2021 5.449.000.000 79.06%
2022 4.392.000.000 -24.07%
2023 2.732.000.000 -60.76%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Discover Financial Services Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2003 1
2004 2 0%
2005 1 0%
2006 2 50%
2007 1 -100%
2008 2 0%
2009 2 50%
2010 1 -100%
2011 4 75%
2012 5 0%
2013 5 0%
2014 5 0%
2015 5 20%
2016 6 0%
2017 5 0%
2018 8 28.57%
2019 9 22.22%
2020 4 -200%
2021 18 82.35%
2022 14 -21.43%
2023 10 -40%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Discover Financial Services Free Cashflow
Year Free Cashflow Growth
2004 1.489.247.000
2005 1.538.111.000 3.18%
2006 1.576.636.000 2.44%
2007 1.919.760.000 17.87%
2008 4.410.627.000 56.47%
2009 3.544.099.000 -24.45%
2010 3.817.910.000 7.17%
2011 3.498.055.000 -9.14%
2012 2.897.000.000 -20.75%
2013 3.286.000.000 11.84%
2014 3.681.000.000 10.73%
2015 3.686.000.000 0.14%
2016 4.246.000.000 13.19%
2017 4.990.000.000 14.91%
2018 4.937.000.000 -1.07%
2019 5.912.000.000 16.49%
2020 5.935.000.000 0.39%
2021 5.825.000.000 -1.89%
2022 6.904.000.000 15.63%
2023 2.312.000.000 -198.62%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Discover Financial Services Operating Cashflow
Year Operating Cashflow Growth
2004 1.587.959.000
2005 1.636.074.000 2.94%
2006 1.720.787.000 4.92%
2007 2.038.025.000 15.57%
2008 4.504.159.000 54.75%
2009 3.597.892.000 -25.19%
2010 3.872.586.000 7.09%
2011 3.609.615.000 -7.29%
2012 3.041.000.000 -18.7%
2013 3.517.000.000 13.53%
2014 3.826.000.000 8.08%
2015 3.854.000.000 0.73%
2016 4.425.000.000 12.9%
2017 5.208.000.000 15.03%
2018 5.191.000.000 -0.33%
2019 6.196.000.000 16.22%
2020 6.196.000.000 0%
2021 6.019.000.000 -2.94%
2022 7.140.000.000 15.7%
2023 2.389.000.000 -198.87%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Discover Financial Services Capital Expenditure
Year Capital Expenditure Growth
2004 98.712.000
2005 97.963.000 -0.76%
2006 144.151.000 32.04%
2007 118.265.000 -21.89%
2008 93.532.000 -26.44%
2009 53.793.000 -73.87%
2010 54.676.000 1.61%
2011 111.560.000 50.99%
2012 144.000.000 22.53%
2013 231.000.000 37.66%
2014 145.000.000 -59.31%
2015 168.000.000 13.69%
2016 179.000.000 6.15%
2017 218.000.000 17.89%
2018 254.000.000 14.17%
2019 284.000.000 10.56%
2020 261.000.000 -8.81%
2021 194.000.000 -34.54%
2022 236.000.000 17.8%
2023 77.000.000 -206.49%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Discover Financial Services Equity
Year Equity Growth
2003 3.809.285.000
2005 4.600.449.000 17.2%
2006 5.774.772.000 20.34%
2007 5.599.422.000 -3.13%
2008 5.915.823.000 5.35%
2009 8.435.547.000 29.87%
2010 6.456.846.000 -30.65%
2011 8.242.000.000 21.66%
2012 9.873.000.000 16.52%
2013 10.809.000.000 8.66%
2014 11.134.000.000 2.92%
2015 11.275.000.000 1.25%
2016 11.323.000.000 0.42%
2017 10.892.000.000 -3.96%
2018 11.130.000.000 2.14%
2019 11.859.000.000 6.15%
2020 10.884.000.000 -8.96%
2021 13.408.000.000 18.82%
2022 14.590.000.000 8.1%
2023 14.236.000.000 -2.49%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Discover Financial Services Assets
Year Assets Growth
2003 24.032.743.000
2005 26.943.923.000 10.8%
2006 29.067.242.000 7.3%
2007 37.376.105.000 22.23%
2008 39.892.382.000 6.31%
2009 46.020.987.000 13.32%
2010 60.784.968.000 24.29%
2011 68.784.000.000 11.63%
2012 73.491.000.000 6.4%
2013 79.340.000.000 7.37%
2014 83.126.000.000 4.55%
2015 86.936.000.000 4.38%
2016 92.308.000.000 5.82%
2017 100.087.000.000 7.77%
2018 109.553.000.000 8.64%
2019 113.996.000.000 3.9%
2020 112.889.000.000 -0.98%
2021 110.242.000.000 -2.4%
2022 131.628.000.000 16.25%
2023 143.432.000.000 8.23%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Discover Financial Services Liabilities
Year Liabilities Growth
2003 931.554.000
2005 22.343.474.000 95.83%
2006 23.292.470.000 4.07%
2007 31.776.683.000 26.7%
2008 33.976.559.000 6.47%
2009 37.585.440.000 9.6%
2010 54.328.122.000 30.82%
2011 60.542.000.000 10.26%
2012 63.618.000.000 4.84%
2013 68.531.000.000 7.17%
2014 71.992.000.000 4.81%
2015 75.661.000.000 4.85%
2016 80.985.000.000 6.57%
2017 89.195.000.000 9.2%
2018 98.423.000.000 9.38%
2019 25.701.000.000 -282.95%
2020 21.241.000.000 -21%
2021 96.834.000.000 78.06%
2022 117.038.000.000 17.26%
2023 19.467.000.000 -501.21%

Discover Financial Services Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
61.63
Net Income per Share
14.37
Price to Earning Ratio
7.61x
Price To Sales Ratio
1.77x
POCF Ratio
3.48
PFCF Ratio
3.61
Price to Book Ratio
1.92
EV to Sales
1.57
EV Over EBITDA
3.7
EV to Operating CashFlow
3.08
EV to FreeCashFlow
3.2
Earnings Yield
0.13
FreeCashFlow Yield
0.28
Market Cap
27,35 Bil.
Enterprise Value
24,24 Bil.
Graham Number
135.7
Graham NetNet
407.79

Income Statement Metrics

Net Income per Share
14.37
Income Quality
2.19
ROE
0.25
Return On Assets
0.02
Return On Capital Employed
0.06
Net Income per EBT
0.77
EBT Per Ebit
0.44
Ebit per Revenue
0.5
Effective Tax Rate
0.23

Margins

Sales, General, & Administrative to Revenue
0.15
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.2
Gross Profit Margin
1
Operating Profit Margin
0.5
Pretax Profit Margin
0.22
Net Profit Margin
0.17

Dividends

Dividend Yield
0.02
Dividend Yield %
2.47
Payout Ratio
0.21
Dividend Per Share
2.7

Operating Metrics

Operating Cashflow per Share
31.45
Free CashFlow per Share
30.28
Capex to Operating CashFlow
-0.04
Capex to Revenue
-0.02
Capex to Depreciation
-0.6
Return on Invested Capital
0.14
Return on Tangible Assets
0.03
Days Sales Outstanding
2700.98
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0.14
Payables Turnover
0
Inventory Turnover
0
Capex per Share
-1.17

Balance Sheet

Cash per Share
143,62
Book Value per Share
56,94
Tangible Book Value per Share
494.84
Shareholders Equity per Share
56.94
Interest Debt per Share
94.41
Debt to Equity
1.37
Debt to Assets
0.14
Net Debt to EBITDA
-0.47
Current Ratio
0
Tangible Asset Value
123,71 Bil.
Net Current Asset Value
3,10 Bil.
Invested Capital
1.37
Working Capital
22,57 Bil.
Intangibles to Total Assets
0
Average Receivables
111,93 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
0.71

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Discover Financial Services Dividends
Year Dividends Growth
2007 0
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 1 0%
2014 1 0%
2015 1 100%
2016 1 0%
2017 1 0%
2018 2 0%
2019 2 0%
2020 2 0%
2021 2 0%
2022 2 50%
2023 3 0%

Discover Financial Services Profile

About Discover Financial Services

Discover Financial Services, through its subsidiaries, provides digital banking products and services, and payment services in the United States. It operates in two segments, Digital Banking and Payment Services. The Digital Banking segment offers Discover-branded credit cards to individuals; private student loans, personal loans, home loans, and other consumer lending; and direct-to-consumer deposit products comprising savings accounts, certificates of deposit, money market accounts, IRA certificates of deposit, IRA savings accounts and checking accounts, and sweep accounts. The Payment Services segment operates the PULSE, an automated teller machine, debit, and electronic funds transfer network; and Diners Club International, a payments network that issues Diners Club branded charge cards and/or provides card acceptance services, as well as offers payment transaction processing and settlement services. The company was incorporated in 1960 and is based in Riverwoods, Illinois.

CEO
Mr. John Thomas Greene
Employee
21.100
Address
2500 Lake Cook Road
Riverwoods, 60015

Discover Financial Services Executives & BODs

Discover Financial Services Executives & BODs
# Name Age
1 Mr. Jason Hanson
Executive Vice President, President of Payment Services & Senior VP of Network Operations
70
2 Mr. Michael E. Roemer
Executive Vice President & Chief Risk Officer
70
3 Mr. Bill Chippendale
Chief Audit Executive
70
4 Mr. John Thomas Greene
Executive Vice President & Chief Financial Officer
70

Discover Financial Services Competitors