Discover Financial Services

WBAG:DFS Stock Report

Market Cap: €42.0b

Discover Financial Services Past Earnings Performance

Past criteria checks 3/6

Discover Financial Services has been growing earnings at an average annual rate of 7.8%, while the Consumer Finance industry saw earnings growing at 17.7% annually. Revenues have been growing at an average rate of 9.1% per year. Discover Financial Services's return on equity is 21.1%, and it has net margins of 30.1%.

Key information

7.8%

Earnings growth rate

12.6%

EPS growth rate

Consumer Finance Industry Growth9.8%
Revenue growth rate9.1%
Return on equity21.1%
Net Margin30.1%
Next Earnings Update22 Jan 2025

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How Discover Financial Services makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

WBAG:DFS Revenue, expenses and earnings (USD Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 2411,7133,5265,1370
30 Jun 2411,0583,2424,9840
31 Mar 249,9152,2024,8410
31 Dec 239,7762,7154,7280
30 Sep 2310,2663,3124,5710
30 Jun 2310,6363,7364,5000
31 Mar 2310,8374,0214,3900
31 Dec 2210,8574,2284,1630
30 Sep 2210,7694,3293,9880
30 Jun 2210,6664,4103,8120
31 Mar 2211,4465,0013,7120
31 Dec 2111,7895,2893,6850
30 Sep 2111,4895,0843,5470
30 Jun 2110,8614,7803,4210
31 Mar 218,0332,7283,3280
31 Dec 205,9541,1043,3830
30 Sep 205,7691,0143,4200
30 Jun 205,9061,0123,5160
31 Mar 207,3552,1253,5870
31 Dec 198,2282,9083,4810
30 Sep 198,1272,8843,4190
30 Jun 198,0082,8343,3530
31 Mar 197,8042,7483,3020
31 Dec 187,6742,6893,2580
30 Sep 187,6022,3673,2370
30 Jun 187,4712,2573,1810
31 Mar 187,3892,1263,1100
31 Dec 177,3182,0313,0420
30 Sep 177,1632,2222,9060
30 Jun 177,1682,2582,8490
31 Mar 177,1932,3282,8220
31 Dec 167,2402,3392,8100
30 Sep 167,1812,2772,8300
30 Jun 167,1812,2512,8140
31 Mar 167,2462,2352,8040
31 Dec 157,2272,2462,7770
30 Sep 157,2632,1502,7360
30 Jun 157,2392,1812,6830
31 Mar 157,1822,2252,5850
31 Dec 147,0342,2702,5190
30 Sep 147,2252,4662,4530
30 Jun 147,1242,4152,4010
31 Mar 147,1142,3732,3890

Quality Earnings: DFS has high quality earnings.

Growing Profit Margin: DFS's current net profit margins (30.1%) are lower than last year (32.3%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: DFS's earnings have grown by 7.8% per year over the past 5 years.

Accelerating Growth: DFS's earnings growth over the past year (6.5%) is below its 5-year average (7.8% per year).

Earnings vs Industry: DFS earnings growth over the past year (6.5%) exceeded the Consumer Finance industry 3.2%.

Return on Equity

High ROE: Whilst DFS's Return on Equity (21.1%) is high, this metric is skewed due to their high level of debt.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/01/02 15:55
End of Day Share Price 2024/12/30 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