DFS logo

Discover Financial Services WBAG:DFS Stock Report

Last Price

€167.94

Market Cap

€42.1b

7D

0.8%

1Y

64.9%

Updated

30 Dec, 2024

Data

Company Financials +

Discover Financial Services

WBAG:DFS Stock Report

Market Cap: €42.1b

DFS Stock Overview

Through its subsidiaries, provides digital banking products and services, and payment services in the United States. More details

DFS fundamental analysis
Snowflake Score
Valuation3/6
Future Growth1/6
Past Performance3/6
Financial Health4/6
Dividends4/6

Rewards

Trading at 29.9% below our estimate of its fair value

Revenue is forecast to grow 8.48% per year

Earnings grew by 6.5% over the past year

Risk Analysis

Highly volatile share price over the past 3 months compared to the Austrian market

Has a high level of debt


My Notes

Capture your thoughts, links and company narrative

Discover Financial Services Competitors

Synchrony Financial

NYSE:SYF

US$25.7b

Capital One Financial

NYSE:COF

US$68.8b

Bajaj Finance

NSEI:BAJFINANCE

₹4.3t

Ally Financial

NYSE:ALLY

US$10.9b

Price History & Performance

Summary of share price highs, lows and changes for Discover Financial Services
Historical stock prices
Current Share PriceUS$167.94
52 Week HighUS$174.94
52 Week LowUS$88.62
Beta1.45
1 Month Change-3.67%
3 Month Change35.07%
1 Year Change64.89%
3 Year Change60.55%
5 Year Changen/a
Change since IPO61.25%

Recent News & Updates

Recent updates

Shareholder Returns

DFSAT Consumer FinanceAT Market
7D0.8%0.3%0.7%
1Y64.9%9.7%-1.1%

Return vs Industry: DFS exceeded the Austrian Consumer Finance industry which returned 9.7% over the past year.

Return vs Market: DFS exceeded the Austrian Market which returned -1.1% over the past year.

Price Volatility

Is DFS's price volatile compared to industry and market?
DFS volatility
DFS Average Weekly Movement6.6%
Consumer Finance Industry Average Movement4.5%
Market Average Movement3.6%
10% most volatile stocks in AT Market6.2%
10% least volatile stocks in AT Market2.1%

Stable Share Price: DFS's share price has been volatile over the past 3 months compared to the Austrian market.

Volatility Over Time: DFS's weekly volatility (7%) has been stable over the past year, but is still higher than 75% of Austrian stocks.

About the Company

FoundedEmployeesCEOWebsite
196021,100J. Shepherdwww.discover.com

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; 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.

Discover Financial Services Fundamentals Summary

How do Discover Financial Services's earnings and revenue compare to its market cap?
DFS fundamental statistics
Market cap€42.07b
Earnings (TTM)€3.38b
Revenue (TTM)€11.23b

12.4x

P/E Ratio

3.7x

P/S Ratio

Is DFS overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
DFS income statement (TTM)
RevenueUS$11.71b
Cost of RevenueUS$697.00m
Gross ProfitUS$11.02b
Other ExpensesUS$7.49b
EarningsUS$3.53b

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

Jan 22, 2025

Earnings per share (EPS)14.04
Gross Margin94.05%
Net Profit Margin30.10%
Debt/Equity Ratio106.5%

How did DFS perform over the long term?

See historical performance and comparison

Dividends

1.6%

Current Dividend Yield

20%

Payout Ratio

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/30 19:43
End of Day Share Price 2024/12/27 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Discover Financial Services is covered by 52 analysts. 15 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Stephen BiggarArgus Research Company
Terry MaBarclays
Bruce HartingBarclays