DFS Stock Overview
Through its subsidiaries, provides digital banking products and services, and payment services in the United States. More details
| Snowflake Score | |
|---|---|
| Valuation | 3/6 |
| Future Growth | 1/6 |
| Past Performance | 2/6 |
| Financial Health | 5/6 |
| Dividends | 5/6 |
Rewards
Risk Analysis
No risks detected for DFS from our risk checks.
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Discover Financial Services Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$173.16 |
| 52 Week High | US$188.26 |
| 52 Week Low | US$96.46 |
| Beta | 1.45 |
| 1 Month Change | -3.42% |
| 3 Month Change | 23.51% |
| 1 Year Change | 56.01% |
| 3 Year Change | 50.13% |
| 5 Year Change | 103.84% |
| Change since IPO | 502.30% |
Recent News & Updates
Recent updates
Discover Financial Services: Well-Positioned If The Acquisition Fails
Oct 25Good Value Despite Discover's Stalled Merger
Sep 24Discover Financial Services (NYSE:DFS) Will Pay A Dividend Of $0.70
Apr 26
Capital One Makes A Brilliant Step Forward With Discover
Mar 05Discover Financial Services: High-Yielding Digital Bank And Payment Network
Feb 05Discover Financial Services: Down But Far From Out
Jan 26Discover Financial Q4 Earnings Preview: Credit Losses Are The Primary Concern
Jan 15Discover Financial Services' (NYSE:DFS) Price Is Right But Growth Is Lacking After Shares Rocket 29%
Dec 22Discover Financial Services: Harvesting Low-Hanging Fruit
Nov 19Discover: Q3 Results Worsen The Uncertainties Weighing On Shares
Oct 20Discover Financial: Growing Dividend, No Margin Of Safety
Oct 09Shareholder Returns
| DFS | US Consumer Finance | US Market | |
|---|---|---|---|
| 7D | -1.6% | -2.8% | -2.4% |
| 1Y | 56.0% | 47.4% | 23.4% |
Return vs Industry: DFS exceeded the US Consumer Finance industry which returned 47.4% over the past year.
Return vs Market: DFS exceeded the US Market which returned 23.4% over the past year.
Price Volatility
| DFS volatility | |
|---|---|
| DFS Average Weekly Movement | 7.0% |
| Consumer Finance Industry Average Movement | 7.2% |
| Market Average Movement | 6.3% |
| 10% most volatile stocks in US Market | 16.8% |
| 10% least volatile stocks in US Market | 3.1% |
Stable Share Price: DFS has not had significant price volatility in the past 3 months compared to the US market.
Volatility Over Time: DFS's weekly volatility (7%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1960 | 21,100 | 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 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
| DFS fundamental statistics | |
|---|---|
| Market cap | US$43.48b |
| Earnings (TTM) | US$3.11b |
| Revenue (TTM) | US$11.69b |
14.0x
P/E Ratio3.7x
P/S RatioIs DFS overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| DFS income statement (TTM) | |
|---|---|
| Revenue | US$11.69b |
| Cost of Revenue | US$604.00m |
| Gross Profit | US$11.08b |
| Other Expenses | US$7.97b |
| Earnings | US$3.11b |
Last Reported Earnings
Sep 30, 2024
Next Earnings Date
n/a
| Earnings per share (EPS) | 12.38 |
| Gross Margin | 94.83% |
| Net Profit Margin | 26.60% |
| Debt/Equity Ratio | 105.3% |
How did DFS perform over the long term?
See historical performance and comparisonDividends
1.6%
Current Dividend Yield23%
Payout RatioCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2024/12/22 03:05 |
| End of Day Share Price | 2024/12/20 00:00 |
| Earnings | 2024/09/30 |
| Annual Earnings | 2023/12/31 |
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 |
| |
| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
| |
| Ownership | 10 years |
| |
| Management | 10 years |
| |
| Key Developments | 10 years |
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* 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.
| Analyst | Institution |
|---|---|
| Stephen Biggar | Argus Research Company |
| Terry Ma | Barclays |
| Bruce Harting | Barclays |