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Discover Financial Services (1DFS) Stock Overview

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

1DFS fundamental analysis
Snowflake Score
Valuation	3/6
Future Growth	1/6
Past Performance	6/6
Financial Health	5/6
Dividends	4/6

Rewards

Trading at 33.6% below our estimate of its fair value

Revenue is forecast to grow 9.21% per year

Earnings grew by 80.2% over the past year

Risk Analysis

Earnings are forecast to decline by an average of 3.7% per year for the next 3 years

Shares are highly illiquid

1DFS Community Fair Values

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Discover Financial Services Competitors

Price History & Performance

Summary of share price highs, lows and changes for Discover Financial Services
Historical stock prices
Current Share Price	US$180.18
52 Week High	US$0
52 Week Low	US$0
Beta	1.15
1 Month Change	n/a
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	10.62%

Recent updates

Shareholder Returns

	1DFS	IT Consumer Finance	IT Market
7D	-1.2%	-0.005%	1.7%
1Y	n/a	23.8%	26.7%

Return vs Industry: Insufficient data to determine how 1DFS performed against the Italian Consumer Finance industry.

Return vs Market: Insufficient data to determine how 1DFS performed against the Italian Market.

Price Volatility

Is 1DFS's price volatile compared to industry and market?
1DFS volatility
1DFS Average Weekly Movement	n/a
Consumer Finance Industry Average Movement	5.1%
Market Average Movement	4.2%
10% most volatile stocks in IT Market	7.9%
10% least volatile stocks in IT Market	2.5%

Stable Share Price: 1DFS's share price has been volatile over the past 3 months compared to the Italian market.

Volatility Over Time: Insufficient data to determine 1DFS's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1960	21,000	J. Shepherd	www.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 deposit products; 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?
1DFS fundamental statistics
Market cap	€45.15b
Earnings (TTM)	€4.22b
Revenue (TTM)	€11.97b

10.7x

P/E Ratio

3.8x

P/S Ratio

Is 1DFS overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
1DFS income statement (TTM)
Revenue	US$13.34b
Cost of Revenue	US$752.00m
Gross Profit	US$12.59b
Other Expenses	US$7.89b
Earnings	US$4.70b

Last Reported Earnings

Mar 31, 2025

Next Earnings Date

n/a

Earnings per share (EPS)	18.68
Gross Margin	94.36%
Net Profit Margin	35.24%
Debt/Equity Ratio	76.7%

How did 1DFS perform over the long term?

See historical performance and comparison

Dividends

1.4%

Current Dividend Yield

15%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/05/19 04:58
End of Day Share Price	2025/05/16 00:00
Earnings	2025/03/31
Annual Earnings	2024/12/31

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.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* 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.

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 Github.

Analyst Sources

Discover Financial Services is covered by 32 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.

Analyst	Institution
Stephen Biggar	Argus Research Company
James Fotheringham	BMO Capital Markets Equity Research
Christopher Brendler	Buckingham Research Group Inc.

Discover Financial ServicesBIT:1DFS Stock Report