Market Summary
USD87.57+0.38
Market Closed0.44%
DFS Alerts
DFS Stock Price
DFS RSI Chart
DFS Valuation
DFS Price/Sales (Trailing)
DFS Profitability
DFS Fundamentals
DFS Revenue
DFS Earnings
Price Action
52 Week Range
86.39122.50
(Low)(High)
Last 7 days
-1.0%
Last 30 days
-1.3%
Last 90 days
-25.4%
Trailing 12 Months
-5.5%
DFS Financial Health
DFS Investor Care
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Net sales
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Latest Insider Trading transactions for DFS
Filter Transactions| Datesorted ascending | Name | Buy/Sell | $ Value | Avg. Price | # Shares | Title |
|---|---|---|---|---|---|---|
2023-09-05 | Lonowski Kathy | acquired | - | - | 1,235 | - |
2023-08-14 | Owen John B | acquired | - | - | 4,871 | interim ceo and president |
2023-08-14 | SHEPHERD MICHAEL | acquired | - | - | 1,243 | - |
2023-08-14 | HOCHSCHILD ROGER C | back to issuer | - | - | -21,286 | ceo and president |
2023-08-01 | ROEMER MICHAEL E | sold (taxes) | -21,697 | 104 | -207 | evp, chief risk officer |
2023-07-18 | Strle Jason | acquired | - | - | 6,574 | evp, chief information officer |
2023-07-03 | Toney Keith E | acquired | - | - | 4,235 | evp, data & analytics |
2023-07-03 | Hanson Jason P. | acquired | - | - | 5,928 | evp, pres. - payment services |
2023-06-14 | O'Leary-Gill Daniela | acquired | - | - | 1,331 | - |
2023-05-11 | MAHERAS THOMAS G | acquired | - | - | 1,774 | - |
Which funds bought or sold DFS recently?
View All Details| Datesorted ascending | Fund Name | Type | % Chg | $ Change | $ Held | % Portfolio |
|---|---|---|---|---|---|---|
2023-09-21 | Baystate Wealth Management LLC | unchanged | - | 1,463 | 9,183 | -% |
2023-09-20 | BARCLAYS PLC | added | 15.67 | 67,520,000 | 251,283,000 | 0.16% |
2023-09-12 | Farther Finance Advisors, LLC | added | 5.49 | 6,670 | 33,653 | 0.01% |
2023-09-12 | DCM Advisors, LLC | unchanged | - | 40,739 | 264,315 | 0.11% |
2023-09-07 | ST GERMAIN D J CO INC | new | - | 90,792 | 90,792 | -% |
2023-09-05 | Covenant Partners, LLC | unchanged | - | 147,322 | 955,833 | 0.34% |
2023-09-05 | Delos Wealth Advisors, LLC | unchanged | - | 198 | 1,286 | -% |
2023-08-30 | Western Wealth Management, LLC | added | 0.48 | 42,947 | 271,493 | 0.02% |
2023-08-25 | STRATEGY ASSET MANAGERS LLC | added | 5.54 | 165,216 | 832,089 | 0.18% |
2023-08-25 | Brown Shipley& Co Ltd | added | 49.11 | 191,134 | 441,693 | 0.18% |
Latest Funds Activity
Calls
Puts
Net Call Options
No. of Funds
DFS Alerts
Schedule 13G FIlings of Discover Financial Services
| Date Filed | Name of Filer | Percent of Class | No. of Shares | Form Type | |
|---|---|---|---|---|---|
| Feb 13, 2023 | capital international investors | 0.6% | 1,702,348 | SC 13G/A | |
| Feb 13, 2023 | capital world investors | 6.9% | 18,921,908 | SC 13G | |
| Feb 09, 2023 | vanguard group inc | 13.12% | 35,852,497 | SC 13G/A | |
| Jan 31, 2023 | blackrock inc. | 7.4% | 20,286,218 | SC 13G/A | |
| Feb 11, 2022 | capital international investors | 7.1% | 20,806,433 | SC 13G | |
| Feb 09, 2022 | fmr llc | - | 0 | SC 13G/A | |
| Feb 09, 2022 | vanguard group inc | 12.17% | 35,657,299 | SC 13G/A | |
| Feb 03, 2022 | blackrock inc. | 7.0% | 20,610,036 | SC 13G/A | |
| Feb 16, 2021 | capital world investors | 2.8% | 8,434,930 | SC 13G/A | |
| Feb 10, 2021 | vanguard group inc | 10.92% | 33,470,438 | SC 13G/A |
Recent SEC filings of Discover Financial Services
View All Filings| Date Filed | Form Type | Document | |
|---|---|---|---|
| Sep 11, 2023 | 8-K | Current Report | |
| Sep 07, 2023 | 3 | Insider Trading | |
| Sep 07, 2023 | 4 | Insider Trading | |
| Sep 05, 2023 | 8-K | Current Report | |
| Aug 16, 2023 | 3 | Insider Trading | |
| Aug 16, 2023 | 4 | Insider Trading | |
| Aug 16, 2023 | 4 | Insider Trading | |
| Aug 16, 2023 | 4 | Insider Trading | |
| Aug 14, 2023 | 8-K | Current Report | |
| Aug 14, 2023 | 8-K | Current Report |
Peers (Alternatives to Discover Financial Services)
View All Peers In Detail| Name | Mkt Capsorted ascending | Revenue | Price %, 1M | Returns, 1Y | P/E | P/S | Rev 1-Yr | Inc 1-Yr |
|---|---|---|---|---|---|---|---|---|
| LARGE-CAP | ||||||||
AXP | 112.8B | 45.6B | -3.22% | 9.66% | 15.16 | 2.47 | 15.43% | -2.20% |
COF | 37.3B | 37.3B | -2.94% | 4.99% | 5.58 | 1 | 36.81% | 21.78% |
DFS | 27.5B | 15.6B | -1.32% | -5.53% | 6.66 | 1.94 | 40.78% | -13.21% |
| MID-CAP | ||||||||
ALLY | 8.1B | 12.6B | 3.05% | -9.56% | 6.58 | 0.64 | 37.06% | -51.02% |
CACC | 6.0B | 1.9B | -5.68% | 1.56% | 17.93 | 3.25 | 0.25% | -57.46% |
OMF | 4.8B | 4.5B | -0.88% | 31.23% | 7.34 | 1.07 | 0.52% | -38.79% |
FCFS | 4.5B | 2.9B | 10.11% | 26.94% | 16.54 | 1.59 | 32.86% | 31.13% |
NNI | 3.4B | 1.1B | -2.93% | 13.13% | 17.78 | 3.01 | 4.56% | -58.41% |
SLM | 3.2B | 2.4B | -3.78% | -3.17% | 8.6 | 1.36 | 29.49% | -55.68% |
| SMALL-CAP | ||||||||
ENVA | 1.5B | 1.9B | -4.07% | 59.03% | 7.4 | 0.78 | 30.29% | -1.66% |
WRLD | 785.2M | 598.0M | -4.40% | 30.77% | 19.84 | 1.31 | -2.53% | 33.78% |
ATLC | 441.4M | 1.1B | -11.33% | 18.25% | 4.09 | 0.4 | 19.31% | -38.71% |
RM | 262.7M | 532.3M | -5.38% | -7.67% | 9.67 | 0.49 | 12.15% | -66.77% |
TREE | 185.7M | 822.9M | -23.09% | -44.73% | -1.19 | 0.23 | -25.25% | -733.09% |
Discover Financial Services News
Returns for DFS
Cumulative Returns on DFS
7.6%
10-Year Cumulative Returns
8.6%
7-Year Cumulative Returns
4.6%
5-Year Cumulative Returns
19.3%
3-Year Cumulative Returns
Risks for DFS
What is the probability of a big loss on DFS?
76.2%
Probability that Discover Financial Services stock will be more than 20% underwater in next one year
20.4%
Probability that Discover Financial Services stock will be more than 30% underwater in next one year.
20%
Probability that Discover Financial Services stock will be more than 40% underwater in next one year.
*Calculated based on probability distribution of losses observed in actual data in the last 5 years.
How does DFS drawdown profile look like?
Y-axis is the maximum loss one would have experienced if Discover Financial Services was unfortunately bought at previous high price.
Drawdowns
Financials for Discover Financial Services
Income Statement (Last 12 Months)(In Millions)
| Income Statement (Last 12 Months) | (In Millions) | |||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Description | (%) Q/Q | 2023Q2 | 2023Q1 | 2022Q4 | 2022Q3 | 2022Q2 | 2022Q1 | 2021Q4 | 2021Q3 | 2021Q2 | 2021Q1 | 2020Q4 | 2020Q3 | 2020Q2 | 2020Q1 | 2019Q4 | 2019Q3 | 2019Q2 | 2019Q1 | 2018Q4 | 2018Q3 | 2018Q2 |
| Revenue | 9.7% | 15,580 | 14,205 | 12,864 | 11,750 | 11,067 | 10,741 | 10,651 | 10,669 | 10,676 | 10,759 | 11,095 | 11,374 | 11,733 | 12,038 | 11,993 | 11,861 | 11,602 | 11,261 | 10,893 | 10,542 | 10,237 |
| EBITDA | -100.0% | - | 17,124 | 16,821 | - | 15,810 | 16,269 | 16,581 | 16,129 | 15,546 | 12,832 | 10,743 | 10,699 | 10,871 | 12,461 | 13,376 | 13,227 | - | - | - | - | - |
| EBITDA Margin | -100.0% | - | 1.21* | 1.31* | - | 1.73* | 1.51* | 1.56* | 1.51* | 1.46* | 1.19* | 0.97* | 0.94* | 0.93* | 1.04* | 1.12* | 1.12* | - | - | - | - | - |
| Interest Expenses | 4.9% | 12,219 | 11,652 | 10,999 | 10,415 | 9,977 | 9,666 | 9,517 | 9,411 | 9,271 | 9,162 | 9,230 | 9,277 | 9,414 | 9,556 | 9,463 | 9,341 | 9,162 | 8,959 | 8,754 | 8,572 | 8,399 |
| Earnings Before Taxes | -5.1% | 5,098 | 5,370 | 5,742 | 5,738 | 5,822 | 6,603 | 7,064 | 6,718 | 6,275 | 3,592 | 1,435 | 1,344 | 1,379 | 2,827 | 3,835 | 3,808 | 3,781 | 3,671 | 3,597 | 3,599 | 3,535 |
| EBT Margin | -100.0% | - | 0.38* | 0.45* | 0.49* | 0.64* | 0.61* | 0.66* | 0.63* | 0.59* | 0.33* | 0.13* | 0.12* | 0.12* | 0.23* | 0.32* | - | - | - | - | - | - |
| Net Income | -4.9% | 3,908 | 4,110 | 4,392 | 4,418 | 4,503 | 5,098 | 5,449 | 5,181 | 4,861 | 2,795 | 1,141 | 1,050 | 1,049 | 2,170 | 2,957 | 2,936 | 2,886 | 2,802 | 2,742 | 2,442 | 2,324 |
| Net Income Margin | -100.0% | - | 0.29* | 0.34* | 0.38* | 0.49* | 0.47* | 0.51* | 0.49* | 0.46* | 0.26* | 0.10* | 0.09* | 0.09* | 0.18* | 0.25* | - | - | - | - | - | - |
| Free Cashflow | -100.0% | - | 6,936 | 6,904 | 6,081 | 6,113 | 6,041 | 5,825 | 6,109 | 5,780 | 5,781 | 5,935 | 5,749 | 5,264 | 5,280 | 5,912 | - | - | - | - | - | - |
Balance Sheet(In Millions)
| Balance Sheet | (In Millions) | |||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Description | (%) Q/Q | 2023Q2 | 2023Q1 | 2022Q4 | 2022Q3 | 2022Q2 | 2022Q1 | 2021Q4 | 2021Q3 | 2021Q2 | 2021Q1 | 2020Q4 | 2020Q3 | 2020Q2 | 2020Q1 | 2019Q4 | 2019Q3 | 2019Q2 | 2019Q1 | 2018Q4 | 2018Q3 | 2018Q2 |
| Assets | 3.7% | 138,082 | 133,141 | 131,706 | 121,886 | 114,600 | 107,412 | 110,242 | 108,544 | 110,985 | 113,871 | 112,889 | 124,349 | 113,792 | 112,657 | 113,996 | 110,786 | 110,707 | 110,720 | 109,553 | 105,842 | 102,751 |
| Cash Equivalents | -15.1% | 8,605 | 10,130 | 8,856 | 10,004 | 11,439 | 9,625 | 11,332 | 12,716 | 15,445 | 20,348 | 13,564 | 9,513 | 15,138 | 10,028 | 6,964 | 6,075 | 10,313 | 15,169 | 15,145 | 16,019 | 15,289 |
| Net PPE | 2.1% | 1,053 | 1,031 | 1,003 | 1,015 | 984 | 984 | 983 | 987 | 986 | 1,021 | 1,027 | 1,121 | 1,115 | 1,070 | 1,057 | 1,028 | 1,008 | 980 | 936 | 896 | 874 |
| Goodwill | 0% | 255 | 255 | 255 | 255 | 255 | 255 | 255 | 255 | 255 | 255 | 255 | 255 | 255 | 255 | 255 | 255 | 255 | 255 | 255 | 255 | 255 |
| Liabilities | 4.3% | 124,226 | 119,081 | 117,362 | 107,600 | 100,836 | 93,979 | 96,834 | 95,281 | 97,814 | 101,717 | 102,005 | 114,097 | 104,149 | 102,992 | 102,137 | 99,069 | 99,214 | 99,461 | 98,423 | 94,826 | 91,862 |
| Long Term Debt | 11.6% | 20,276 | 18,163 | 20,108 | 20,177 | 18,185 | 17,132 | 18,477 | 18,516 | 19,350 | 21,011 | 21,241 | 21,841 | 23,194 | 26,098 | 25,701 | 24,454 | 25,163 | 26,276 | 27,228 | 26,998 | 26,252 |
| Shareholder's Equity | -1.5% | 13,856 | 14,060 | 14,344 | 14,286 | 13,519 | 13,196 | 13,180 | 13,263 | 13,171 | 12,154 | 10,884 | 10,252 | 9,643 | 9,665 | 11,859 | 11,717 | 11,493 | 11,259 | 11,130 | 11,016 | 10,889 |
| Retained Earnings | 2.5% | 29,761 | 29,037 | 28,207 | 27,585 | 26,776 | 25,833 | 24,766 | 23,846 | 22,936 | 21,373 | 19,955 | 19,292 | 18,673 | 19,175 | 21,290 | 20,720 | 20,107 | 19,484 | 18,906 | 18,354 | 17,787 |
| Additional Paid-In Capital | 0.3% | 4,508 | 4,493 | 4,468 | 4,444 | 4,417 | 4,390 | 4,369 | 4,345 | 4,319 | 4,280 | 4,257 | 4,235 | 4,216 | 4,217 | 4,206 | 4,188 | 4,167 | 4,148 | 4,130 | 4,107 | 4,089 |
Cashflow (Last 12 Months)(In Millions)
| Cashflow (Last 12 Months) | (In Millions) | |||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Description | (%) Q/Q | 2023Q2 | 2023Q1 | 2022Q4 | 2022Q3 | 2022Q2 | 2022Q1 | 2021Q4 | 2021Q3 | 2021Q2 | 2021Q1 | 2020Q4 | 2020Q3 | 2020Q2 | 2020Q1 | 2019Q4 | 2019Q3 | 2019Q2 | 2019Q1 | 2018Q4 | 2018Q3 | 2018Q2 |
| Cashflow From Operations | -1.5% | 7,092 | 7,197 | 7,140 | 6,307 | 6,309 | 6,245 | 6,019 | 6,310 | 5,985 | 6,024 | 6,196 | 6,027 | 5,550 | 5,541 | 6,196 | 5,493 | 6,280 | 6,288 | 5,191 | 6,054 | 6,000 |
| Cashflow From Investing | -6.6% | -29,337 | -27,527 | -25,637 | -16,014 | -10,034 | -5,487 | 40.00 | 7,127 | 3,062 | 5,305 | 1,514 | -5,237 | -5,692 | -11,109 | -15,274 | -18,033 | -15,039 | -13,263 | -10,579 | -9,052 | -8,933 |
| Cashflow From Financing | -6.9% | 19,418 | 20,850 | 16,062 | 8,829 | -1,172 | -11,789 | -8,316 | -10,778 | -7,846 | -1,866 | -1,085 | 3,187 | 3,956 | 1,566 | 897 | 2,043 | 4,193 | 5,090 | 7,146 | 5,079 | 5,809 |
| Buy Backs | 3.8% | 2,747 | 2,647 | 2,359 | 2,530 | 3,133 | 3,085 | 2,260 | 1,492 | 677 | 124 | 348 | 744 | 1,163 | 1,624 | 1,768 | 1,832 | 1,873 | 1,968 | 2,065 | 2,155 | 2,251 |
DFS Income Statement
2023-06-30Condensed Consolidated Statements of Income - USD ($) $ in Millions | 3 Months Ended | 6 Months Ended | ||
|---|---|---|---|---|
Jun. 30, 2023 | Jun. 30, 2022 | Jun. 30, 2023 | Jun. 30, 2022 | |
| Interest income | ||||
| Credit card loans | $ 3,466 | $ 6,787 | $ 4,692 | |
| Other loans | 606 | $ 439 | 1,170 | 867 |
| Investment securities | 106 | 33 | 207 | 69 |
| Other interest income | 112 | 19 | 203 | 23 |
| Total interest income | 4,290 | 2,915 | 8,367 | 5,651 |
| Interest expense | ||||
| Deposits | 905 | 174 | 1,661 | 313 |
| Short-term borrowings | 0 | 0 | 0 | 1 |
| Long-term borrowings | 208 | 131 | 397 | 248 |
| Total interest expense | 1,113 | 305 | 2,058 | 562 |
| Net interest income | 3,177 | 2,610 | 6,309 | 5,089 |
| Provision for credit losses | 1,305 | 549 | 2,407 | 703 |
| Net interest income after provision for credit losses | 1,872 | 2,061 | 3,902 | 4,386 |
| Other income | ||||
| Discount and interchange revenue, net | 370 | 379 | 700 | 688 |
| Protection products revenue | 44 | 42 | 87 | 86 |
| Loan fee income | 186 | 142 | 352 | 282 |
| Transaction processing revenue | 72 | 61 | 139 | 118 |
| Gains (losses) on equity investments | 1 | (42) | (17) | (204) |
| Other income | 28 | 21 | 50 | 45 |
| Total other income | 701 | 603 | 1,311 | 1,015 |
| Other expense | ||||
| Employee compensation and benefits | 588 | 515 | 1,213 | 1,015 |
| Marketing and business development | 268 | 254 | 509 | 446 |
| Information processing and communications | 150 | 121 | 289 | 246 |
| Professional fees | 216 | 189 | 448 | 366 |
| Premises and equipment | 20 | 24 | 42 | 48 |
| Other expense | 162 | 120 | 286 | 232 |
| Total other expense | 1,404 | 1,223 | 2,787 | 2,353 |
| Income before income taxes | 1,169 | 1,441 | 2,426 | 3,048 |
| Income tax expense | 268 | 338 | 557 | 712 |
| Net income | 901 | 1,103 | 1,869 | 2,336 |
| Net income allocated to common stockholders | $ 895 | $ 1,097 | $ 1,826 | $ 2,293 |
| Basic earnings per common share | $ 3.54 | $ 3.93 | $ 7.09 | $ 8.13 |
| Diluted earnings per common share | $ 3.54 | $ 3.93 | $ 7.09 | $ 8.12 |
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.