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Discover Financial Services Stock Research

DFS

98.84USD+0.72(+0.73%)Delayed

Market Summary

USD98.84+0.72
Delayed
0.73%

DFS Alerts

DFS Stock Price

DFS RSI Chart

DFS Valuation

Market Cap

27.0B

Price/Earnings (Trailing)

6.15

Price/Sales (Trailing)

2.1

EV/EBITDA

2.27

Price/Free Cashflow

3.91

DFS Price/Sales (Trailing)

DFS Profitability

EBT Margin

44.64%

Return on Equity

30.1%

Return on Assets

3.34%

Free Cashflow Yield

25.57%

DFS Fundamentals

DFS Revenue

Revenue (TTM)

12.9B

Revenue Y/Y

40.63%

Revenue Q/Q

14.86%

DFS Earnings

Earnings (TTM)

4.4B

Earnings Y/Y

-3.19%

Earnings Q/Q

2.68%

Price Action

52 Week Range

86.55119.25
(Low)(High)

Last 7 days

6.5%

Last 30 days

-12.5%

Last 90 days

1.6%

Trailing 12 Months

-8.2%

DFS Financial Health

Debt/Equity

1.38

Debt/Cashflow

0.36

DFS Investor Care

Dividend Yield

2.33%

Dividend/Share (TTM)

2.3

Buy Backs (1Y)

6.77%

Diluted EPS (TTM)

15.5

Peers (Alternatives to Discover Financial Services)

View All Peers In Detail
NameMkt Capsorted ascendingRevenuePrice %, 1MReturns, 1YP/EP/SRev 1-YrInc 1-Yr
LARGE-CAP
122.6B
43.0B
-6.23% -10.87%
16.31
2.85
24.07% -6.77%
36.7B
31.2B
-11.44% -25.51%
4.98
1.17
21.22% -40.60%
27.0B
12.9B
-12.48% -8.25%
6.15
2.1
20.78% -19.40%
MID-CAP
7.6B
10.6B
-15.23% -39.76%
4.45
0.72
22.77% -43.99%
5.6B
1.8B
-1.85% -20.77%
10.38
3.04
-1.27% -44.09%
4.5B
4.4B
-14.36% -15.98%
5.11
1.01
1.63% -33.18%
4.4B
2.7B
7.59% 37.21%
17.42
1.62
60.62% 102.94%
3.4B
1.2B
1.26% 8.12%
8.43
2.76
27.53% 3.58%
3.1B
2.0B
-11.63% -32.52%
6.77
1.53
14.34% -60.20%
SMALL-CAP
1.4B
1.7B
-10.77% 17.01%
6.69
0.8
43.72% -19.07%
518.8M
621.6M
-10.23% -56.58%
37.13
0.83
10.55% -82.63%
392.1M
1.0B
-17.16% -47.62%
2.89
0.37
39.95% -23.78%
341.6M
985.0M
-19.41% -77.72%
-1.82
0.35
-10.33% -371.94%
248.5M
507.2M
-17.31% -44.93%
4.85
0.49
18.40% -42.24%

Financials for Discover Financial Services

Income Statement (Last 12 Months)
(In Millions)
* denotes actual numbers (not divided by Millions)
Description(%) Q/Q2022Q42022Q32022Q22022Q12021Q4
Revenue9.5%12,86411,75011,06710,74110,651
EBITDA6.4%16,82115,81016,26916,581-
EBITDA Margin-24.5%1.31*1.73*1.51*1.56*-
Earnings Before Taxes-0.1%5,7425,7495,8336,6037,064
EBT Margin-8.8%0.45*0.49*0.64*0.61*-
Interest Expenses5.6%10,99910,4159,9779,6669,517
Net Income-0.8%4,3924,4264,5115,0985,449
Net Income Margin-9.4%0.34*0.38*0.49*0.47*-
Free Cahsflow13.5%6,9046,0816,1136,041-
Balance Sheet
(In Millions)
Description(%) Q/Q2022Q42022Q32022Q22022Q12021Q4
Assets8.0%131,628121,886114,600107,412110,242
    Cash Equivalents-11.5%8,85610,00411,4399,6258,750
  Net PPE-1.2%1,0031,015984984983
  Goodwill0%255255255255255
Liabilities8.8%117,038107,600100,83693,97996,834
  Long Term Debt-0.3%20,10820,17718,18517,13218,477
Shareholder's Equity2.1%14,59014,28613,76413,43313,408
  Retained Earnings3.1%28,45327,58526,77625,83324,766
  Additional Paid-In Capital0.5%4,4684,4444,4174,3904,369
Float-35,541----
Cashflow (Last 12 Months)
(In Millions)
Description(%) Q/Q2022Q42022Q32022Q22022Q12021Q4
Cashflow From Operations13.2%7,1406,3076,3096,2456,019
Cashflow From Investing-60.1%-25,637-16,014-10,034-5,48740.00
Cashflow From Financing81.9%16,0628,829-1,172-11,789-8,316
  Buy Backs-6.8%2,3592,5303,1333,0852,260

Risks for DFS

What is the probability of a big loss on DFS?

66.2%


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

Returns for DFS

Cumulative Returns on DFS

10.5%


10-Year Cumulative Returns

12.2%


7-Year Cumulative Returns

9.0%


5-Year Cumulative Returns

43.7%


3-Year Cumulative Returns

What are the long-term rolling returns for DFS?

FIve years rolling returns for Discover Financial Services.

Annualized Returns

Which funds bought or sold DFS recently?

View All Details
Datesorted ascendingFund NameType% Chg$ Change$ Held% Portfolio
2023-03-28
SEIZERT CAPITAL PARTNERS, LLC
reduced
-4.08
614,420
19,745,400
1.05%
2023-03-23
ETF MANAGERS GROUP, LLC
reduced
-7.43
-65,021
16,321,000
0.76%
2023-03-23
MetLife Investment Management, LLC
reduced
-1.59
388,072
6,979,680
0.06%
2023-03-17
American Portfolios Advisors
reduced
-29.29
-61,813
131,319
0.01%
2023-03-15
B. Riley Wealth Advisors, Inc.
added
13.94
119,130
649,130
0.02%
2023-03-10
MATHER GROUP, LLC.
reduced
-20.88
-34,840
200,160
-%
2023-03-10
VICTORY CAPITAL MANAGEMENT INC
added
3.54
3,894,930
38,025,900
0.04%
2023-03-08
Capital Asset Advisory Services LLC
reduced
-2.61
19,519
434,519
0.04%
2023-03-06
OLD MISSION CAPITAL LLC
new
-
5,094,100
5,094,100
0.14%
2023-03-06
NORTH STAR ASSET MANAGEMENT INC
reduced
-2.03
193,683
3,760,680
0.23%

1–10 of 45

Latest Funds Activity

Are funds buying DFS calls or puts?
Calls
Puts
Are funds bullish or bearish(Calls - Puts)?
Net Call Options
No. of funds that own DFS
No. of Funds

Discover Financial Services News

MarketBeat

Discover Financial Services (NYSE:DFS) Short Interest Up 16.8% in ....

MarketBeat,
5 hours ago

Morningstar

4 Stocks to Buy For Q2 2023.

Morningstar,
4 days ago

Schedule 13G FIlings of Discover Financial Services

Date FiledName of FilerPercent of ClassNo. of SharesForm 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

DFS Fair Value

Recent SEC filings of Discover Financial Services

View All Filings
Date Filed Form Type Document
Mar 29, 2023
ARS
ARS
Mar 17, 2023
DEF 14A
DEF 14A
Mar 14, 2023
8-K
Current Report
Mar 09, 2023
8-K
Current Report
Mar 07, 2023
4
Insider Trading
Feb 27, 2023
4
Insider Trading
Feb 27, 2023
4
Insider Trading
Feb 27, 2023
4
Insider Trading
Feb 27, 2023
4
Insider Trading
Feb 27, 2023
4
Insider Trading

Latest Insider Trading transactions for DFS

Filter Transactions
Datesorted ascendingNameBuy/Sell$ ValueAvg. Price# SharesTitle
2023-03-03
Eichfeld Robert Andrew
sold
-1,538,800
114
-13,477
evp - chief hr & admin officer
2023-02-23
Toney Keith E
acquired
-
-
7,047
evp, data & analytics
2023-02-23
Kolsky Shifra
acquired
-
-
1,243
svp, controller & cao
2023-02-23
ROEMER MICHAEL E
acquired
-
-
4,879
evp, chief risk officer
2023-02-23
Greene John
acquired
-
-
9,960
evp, chief financial officer
2023-02-23
Eichfeld Robert Andrew
acquired
-
-
7,047
evp - chief hr & admin officer
2023-02-23
HOCHSCHILD ROGER C
acquired
-
-
21,286
ceo and president
2023-02-23
Offereins Diane E
acquired
-
-
8,221
evp, pres. - payment services
2023-02-23
Mehlman Hope
acquired
-
-
4,675
evp, chief legal officer & gc
2023-02-23
Capozzi Daniel Peter
acquired
-
-
9,960
evp, president - us cards

1–10 of 50

Roger C. Hochschild
16700
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.

DFS Income Statement

2022-12-31
Consolidated Statements of Income - USD ($)
$ in Millions
12 Months Ended
Dec. 31, 2022
Dec. 31, 2021
Dec. 31, 2020
Interest income   
Credit card loans$ 10,632$ 8,717$ 8,985
Other loans1,8701,7341,817
Investment securities179182252
Other interest income1831841
Total interest income12,86410,65111,095
Interest expense   
Deposits1,2576611,231
Short-term borrowings2032
Long-term borrowings606473602
Total interest expense1,8651,1341,865
Net interest income10,9999,5179,230
Provision for credit losses2,3592185,134
Net interest income after provision for credit losses8,6409,2994,096
Other income   
Discount and interchange revenue, net1,4241,224933
Protection products revenue172165180
Loan fee income632464414
Transaction processing revenue249227195
(Losses) gains on equity investments(214)42480
Other income756656
Total other income2,3382,5701,858
Other expense   
Employee compensation and benefits2,1391,9861,894
Marketing and business development1,035810659
Information processing and communications513500540
Professional fees871797717
Premises and equipment11892113
Other expense560620596
Total other expense5,2364,8054,519
Income before income taxes5,7427,0641,435
Income tax expense1,3501,615294
Net income4,3925,4491,141
Net income (loss) available to common stockholders, basic$ 4,304$ 5,351$ 1,104
Basic earnings per common share$ 15.52$ 17.85$ 3.60
Diluted earnings per common share$ 15.50$ 17.83$ 3.60