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Discover Financial Services DB:DC7 Stock Report

Last Price

€161.96

Market Cap

€41.7b

7D

-2.7%

1Y

61.6%

Updated

23 Dec, 2024

Data

Company Financials +

Discover Financial Services

DB:DC7 Stock Report

Market Cap: €41.7b

DC7 Stock Overview

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

DC7 fundamental analysis
Snowflake Score
Valuation3/6
Future Growth2/6
Past Performance2/6
Financial Health5/6
Dividends4/6

Rewards

Trading at 38.8% below our estimate of its fair value

Earnings are forecast to grow 3.75% per year

Risk Analysis

No risks detected for DC7 from our risk checks.

My Notes

Capture your thoughts, links and company narrative

Discover Financial Services Competitors

Deutsche Bank

XTRA:DBK

€31.6b

Deutsche Börse

XTRA:DB1

€41.0b

Eleving Group

DB:OT8

€193.2m

Multitude

XTRA:E4I

€103.8m

Price History & Performance

Summary of share price highs, lows and changes for Discover Financial Services
Historical stock prices
Current Share PriceUS$161.96
52 Week HighUS$174.10
52 Week LowUS$88.64
Beta1.45
1 Month Change-2.49%
3 Month Change29.15%
1 Year Change61.64%
3 Year Change60.20%
5 Year Change114.52%
Change since IPO684.31%

Recent News & Updates

Recent updates

Shareholder Returns

DC7DE Consumer FinanceDE Market
7D-2.7%-3.3%-2.0%
1Y61.6%10.3%6.9%

Return vs Industry: DC7 exceeded the German Consumer Finance industry which returned 10.2% over the past year.

Return vs Market: DC7 exceeded the German Market which returned 6.9% over the past year.

Price Volatility

Is DC7's price volatile compared to industry and market?
DC7 volatility
DC7 Average Weekly Movement6.5%
Consumer Finance Industry Average Movement4.5%
Market Average Movement4.9%
10% most volatile stocks in DE Market11.3%
10% least volatile stocks in DE Market2.4%

Stable Share Price: DC7 has not had significant price volatility in the past 3 months compared to the German market.

Volatility Over Time: DC7's weekly volatility (6%) has been stable over the past year.

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?
DC7 fundamental statistics
Market cap€41.67b
Earnings (TTM)€2.98b
Revenue (TTM)€11.20b

14.0x

P/E Ratio

3.7x

P/S Ratio

Is DC7 overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
DC7 income statement (TTM)
RevenueUS$11.69b
Cost of RevenueUS$604.00m
Gross ProfitUS$11.08b
Other ExpensesUS$7.97b
EarningsUS$3.11b

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)12.38
Gross Margin94.83%
Net Profit Margin26.60%
Debt/Equity Ratio105.3%

How did DC7 perform over the long term?

See historical performance and comparison

Dividends

1.6%

Current Dividend Yield

23%

Payout Ratio

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/23 11:59
End of Day Share Price 2024/12/20 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 53 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