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XNYS
DFS
Market cap50bUSD
May 16, Last price  
200.05USD
Name

Discover Financial Services

Chart & Performance

D1W1MN
P/E
11.10
P/S
2.81
EPS
18.02
Div Yield, %
1.05%
Shrs. gr., 5y
-4.74%
Rev. gr., 5y
9.34%
Revenues
17.91b
+81.98%
5,866,585,0006,222,809,0006,294,486,0006,300,434,0006,861,338,0006,658,229,0007,065,000,0007,690,000,0008,224,000,0008,477,000,0008,739,000,0009,099,000,0009,897,000,00010,709,000,00011,459,000,00011,088,000,00012,087,000,00013,337,000,0009,842,000,00017,910,000,000
Net income
4.54b
+54.25%
577,915,0001,076,616,000588,630,000927,750,0001,276,185,000764,788,0002,227,000,0002,351,000,0002,470,000,0002,323,000,0002,297,000,0002,393,000,0002,099,000,0002,742,000,0002,957,000,0001,141,000,0005,422,000,0004,374,000,0002,940,000,0004,535,000,000
CFO
8.43b
-1.61%
1,636,074,0001,720,787,0002,038,025,0004,504,159,0003,597,892,0003,872,586,0003,609,615,0003,041,000,0003,517,000,0003,826,000,0003,854,000,0004,425,000,0005,208,000,0005,191,000,0006,196,000,0006,196,000,0006,019,000,0007,140,000,0008,563,000,0008,425,000,000
Dividend
Aug 22, 20240.7 USD/sh
Earnings
Jul 15, 2025

Profile

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; private student loans, 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. The Payment Services segment operates the PULSE, an automated teller machine, debit, and electronic funds transfer network; and Diners Club International, a payments network that issues Diners Club branded charge cards and/or provides card acceptance services, as well as offers payment transaction processing and settlement services. The company was incorporated in 1960 and is based in Riverwoods, Illinois.
URL
https://www.discover.com/
IPO date
Jun 14, 2007
Employees
20,200
Domiciled in
US
Incorporated in
US

Valuation

Title
USD in thousands, except ratios and share amounts
FYFYFYFYFYFYFYFYFYFY
2024‑122023‑122022‑122021‑122020‑122019‑122018‑122017‑122016‑122015‑12
Income
Revenues
17,910,000
81.98%
9,842,000
-26.21%
13,337,000
10.34%
Cost of revenue
7,255,000
(7,166,000)
3,174,000
Unusual Expense (Income)
NOPBT
10,655,000
17,008,000
10,163,000
NOPBT Margin
59.49%
172.81%
76.20%
Operating Taxes
1,539,000
886,000
1,350,000
Tax Rate
14.44%
5.21%
13.28%
NOPAT
9,116,000
16,122,000
8,813,000
Net income
4,535,000
54.25%
2,940,000
-32.78%
4,374,000
-19.33%
Dividends
(771,000)
(752,000)
(703,000)
Dividend yield
1.77%
2.63%
2.58%
Proceeds from repurchase of equity
(70,000)
(1,926,000)
(2,349,000)
BB yield
0.16%
6.75%
8.64%
Debt
Debt current
750,000
3,815,000
Long-term debt
16,253,000
20,581,000
20,108,000
Deferred revenue
(145,000)
Other long-term liabilities
6,452,000
110,008,000
96,930,000
Net debt
(133,392,000)
(4,009,000)
1,152,000
Cash flow
Cash from operating activities
8,425,000
8,563,000
7,140,000
CAPEX
(268,000)
(303,000)
(236,000)
Cash from investing activities
(3,751,000)
(21,491,000)
(25,637,000)
Cash from financing activities
(7,903,000)
15,759,000
16,062,000
FCF
99,965,000
6,780,000
20,211,000
Balance
Cash
16,179,000
11,685,000
10,563,000
Long term investments
133,466,000
13,655,000
12,208,000
Excess cash
148,749,500
24,847,900
22,104,150
Stockholders' equity
34,349,000
31,285,000
29,176,000
Invested Capital
6,282,000
122,671,100
89,561,850
ROIC
14.14%
15.19%
10.07%
ROCE
26.22%
11.53%
9.09%
EV
Common stock shares outstanding
251,000
254,000
278,000
Price
173.23
54.12%
112.40
14.89%
97.83
-15.34%
Market cap
43,480,730
52.30%
28,549,600
4.97%
27,196,740
-21.55%
EV
(88,855,270)
25,596,600
29,404,740
EBITDA
10,955,000
17,466,000
10,724,000
EV/EBITDA
1.47
2.74
Interest
5,724,000
4,746,000
1,865,000
Interest/NOPBT
53.72%
27.90%
18.35%