Discover Financial Services
DFS | NYSE
$200.05
-$0.43 (-0.21%)
At close: May 16, 2025, 04:00 PM ET
Market Data
Market Cap $50.34B
Enterprise Value $45.5B
Beta 1.15
Average Volume N/A
Shares Outstanding (Diluted) 252M
Shares Change YoY 0.8%
Institutional Ownership N/A
Exchange N/A
ISIN N/A
Price Performance
Price Change 1M N/A
Price Change 3M N/A
Price Change 6M N/A
Price Change YTD N/A
Price Change 1Y N/A
Price Change 3Y N/A
Price Change 5Y N/A
1M CAGR (ann.) 24.1%
1Y CAGR (ann.) 63.8%
5Y CAGR (ann.) 42.0%
All-Time CAGR 13.4%
Valuation
PE Ratio 10.67
Forward PE 11.14
PEG Ratio 0.16
Forward PEG 0.91
PS Ratio 2.27
Forward PS 2.70
PB Ratio 2.65
P/FCF Ratio 5.96
P/Adj. FCF Ratio 5.96
P/OCF Ratio 5.96
EV/Sales 2.05
EV/EBIT 5.95
EV/EBITDA 5.81
EV/FCF 5.38
Earnings Yield 9.4%
FCF Yield 16.8%
Adj. FCF Yield 16.8%
Financial Health
Net Cash $4.84B
Total Debt $14.54B
Cash & Short-Term Investments $19.38B
Total Assets $147.91B
Current Ratio 0.15
Quick Ratio 0.15
Debt / Equity Ratio 0.91
Debt / EBITDA 1.86
Debt / FCF 1.72
OCF / Debt 0.60
Interest Coverage 3.09
Altman Z-Score 0.14
Piotroski F-Score 7
Margins & Profitability
Gross Profit Margin 89.5%
Operating Profit Margin 34.5%
EBITDA Margin 31.8%
Net Profit Margin 22.6%
FCF Margin 38.2%
Adj. FCF Margin 38.2%
SBC / Revenue 0.0%
SBC Impact (per share) N/A
Returns
Return on Assets 3.1%
Return on Equity 28.2%
Return on Invested Capital 32.5%
Return on Capital Employed 43.5%
Return on Tangible Assets 3.1%
Historical Growth (CAGR)
Revenue CAGR 3Y 22.0%
Revenue CAGR 5Y 13.8%
Revenue CAGR 10Y 10.0%
EPS CAGR 3Y 3.4%
EPS CAGR 5Y 22.7%
EPS CAGR 10Y 14.4%
FCF CAGR 3Y 11.8%
FCF CAGR 5Y 9.9%
FCF CAGR 10Y 8.9%
Analyst Forecasts
Analyst Rating Buy
Analyst Count 45
EPS Growth Next 3Y N/A
Revenue Growth Next 3Y N/A
Earnings Date Apr 22, 2025
EPS Estimate (next Q) $3.37
EPS Growth Est (next Q) 206.4%
Revenue Est (next Q) $4.22B
Revenue Growth Est (next Q) -25.6%
Fair Value Estimates
Graham Number $173.58
Graham Upside -13.2%
Lynch Fair Value $426.37
Lynch Upside 113.1%
Price Target $142.26
Price Target Upside -28.9%
Cash Flow
Operating Cash Flow $8.71B
Free Cash Flow $8.45B
Adj. Free Cash Flow $8.45B
FCF Per Share $32.50
OCF Per Share $33.57
OCF/S Ratio 42.1%
Income Statement
Revenue $22.15B
Gross Profit $14.59B
Operating Income $7.65B
EBITDA $7.84B
Net Income $4.8B
EPS (Diluted) $18.75
Revenue / Employee N/A
Profit / Employee N/A
Employees N/A
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