Discover Financial Services(DFS) Stock Research - Grey Stern Research

Discover Financial Services (DFS) Stock Analysis

$180.11 (-1.27%)

DFS Financial Performance


Use the table below to view Discover Financial Services's financial profile. This data is gathers from the latest available financial statements. Annual data is taken from the trailing 12 months of statements. All numbers are reported in US Dollars and so any foreign currencies are converted to USD so comparison's can be done.

Based on Financial Statements from Q2 - 2024

Metric Value Ranking among Peers
Price $180.11 -
52 Week Low $93.83 -
52 Week High $188.26 -
Market Cap $45.2 Billion 6/11
Gross Margin 100% 1/11
Profit Margin 16% 5/11
EBITDA margin 22% 6/11
Q2 - 2024 Revenue $5.9 Billion 6/11
Q2 - 2024 Earnings $965.0 Million 6/11
Q2 - 2024 Free Cash Flow $0 Million 8/11
Trailing 4 Quarters Revenue $23.2 Billion 6/11
Trailing 4 Quarters Earnings $3.2 Billion 6/11
Quarterly Earnings Growth 41% 3/11
Annual Earnings Growth -6% 8/11
Quarterly Revenue Growth 46% 3/11
Annual Revenue Growth 48% 1/11
Cash On Hand $0 10/11
Short Term Debt $0 7/11
Long Term Debt $18.2 Billion 4/11

Discover Financial Services Financial Metrics


Financial metrics are a set of useful numbers that can give key performance indicators of a company. The various metrics can include information about profitability, growth, and debt load. When combined and use properly they can tell an analyst a compelling fact-based story of how the company is currently performing. To compare Discover Financial Services's metrics versus it's peers make sure to run our peer analysis tool.

Valuation Metrics

Metric Value Ranking among Peers
PE 14.17 7/11
PS 1.95 6/11
PB 2.62 7/11
PC -1.00 10/11
Liabilities to Equity 7.78 4/11
ROA 0.02 7/11
ROE 0.18 7/11
Current Ratio 1.13 7/11
Quick Ratio 0.00 9/11
Long Term Debt to Equity 1.05 5/11
Debt to Equity 1.05 5/11
Burn Rate 0.00 6/11
Cash to Cap 0.00 10/11
CCR 8/11
EV to EBITDA 49.22 7/11
EV to Revenue 2.74 5/11

Company Details

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.

CEO: Mr. Roger Hochschild

Website: https://www.discover.com

Address: 2500 Lake Cook Rd Riverwoods, ILLINOIS

Exchange: New York Stock Exchange

Industry: Credit Services

Discover Financial Services Peer Analysis


A useful and more reliable way of seeing the health of a company is to compare it to other companies operating in the same sector. Below is our list of companies which we rank are the closest peers to Discover Financial Services. If you feel that peers should be added or removed from this list please contact us. To run an in-depth peer analysis which compares many financial metrics click on the link below.

Stock Ticker Market Cap
American Express Company AXP $212.9 Billion
Visa Inc. V $620.5 Billion
PayPal Holdings, Inc. PYPL $86.7 Billion
Synchrony Financial SYF $26.1 Billion
Mastercard Incorporated MA $483.9 Billion
Ally Financial Inc. ALLY $11.9 Billion
The Western Union Company WU $3.7 Billion
Capital One Financial Corporation COF $71.5 Billion
Upstart Holdings, Inc. UPST $6.1 Billion
Bread Financial Holdings, Inc. BFH $3.0 Billion
Run Peer Analysis
Income Statement
Balance Sheet
Cash Flow Statement
DFS Income Statements
Quarter Year Revenue Earnings
Q3 2024 $ 5.9 Billion $965.0 Million
Q2 2024 $ 6.0 Billion $1.5 Billion
Q1 2024 $ 5.7 Billion $308.0 Million
Q4 2023 $ 5.6 Billion $388.0 Million
Q3 2023 $ 4.0 Billion $683.0 Million
Q2 2023 $ 3.9 Billion $901.0 Million
Q1 2023 $ 3.8 Billion $976.0 Million
Q4 2022 $ 3.7 Billion $1.0 Billion

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DFS Balance Sheets
Quarter Year Cash & Equivalents Total Assets Total Debt Total Equity
Q3 2024 $0 $151.6 Billion $18.2 Billion $17.3 Billion
Q2 2024 $24.4 Billion $150.9 Billion $19.1 Billion $16.1 Billion
Q1 2024 $28.0 Billion $152.7 Billion $20.5 Billion $14.7 Billion
Q4 2023 $0 $151.5 Billion $0 $14.8 Billion
Q3 2023 $22.6 Billion $143.4 Billion $19.5 Billion $14.2 Billion
Q2 2023 $22.1 Billion $138.1 Billion $20.3 Billion $13.9 Billion
Q1 2023 $22.4 Billion $133.1 Billion $18.2 Billion $14.3 Billion
Q4 2022 $21.1 Billion $131.6 Billion $20.1 Billion $14.6 Billion

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DFS Cash Flow Statements
Quarter Year freeCashFlow capitalExpenditure netChangeInCash
Q2 2024 $2.5 Billion -$65.0 Million -$3.5 Billion
Q1 2024 $1.8 Billion -$71.0 Million $2.7 Billion
Q4 2023 $0 $0 $0
Q3 2023 $2.3 Billion -$77.0 Million $589.0 Million
Q2 2023 $1.4 Billion -$82.0 Million -$1.5 Billion
Q1 2023 $1.7 Billion -$76.0 Million $1.3 Billion
Q4 2022 $2.1 Billion -$58.0 Million -$3.0 Billion
Q3 2022 $1.7 Billion $0 $399.0 Million

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