Market Summary
USD98.84+0.72
Delayed0.73%
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
86.55119.25
(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
DFS Investor Care
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 | 122.6B | 43.0B | -6.23% | -10.87% | 16.31 | 2.85 | 24.07% | -6.77% |
COF | 36.7B | 31.2B | -11.44% | -25.51% | 4.98 | 1.17 | 21.22% | -40.60% |
DFS | 27.0B | 12.9B | -12.48% | -8.25% | 6.15 | 2.1 | 20.78% | -19.40% |
| MID-CAP | ||||||||
ALLY | 7.6B | 10.6B | -15.23% | -39.76% | 4.45 | 0.72 | 22.77% | -43.99% |
CACC | 5.6B | 1.8B | -1.85% | -20.77% | 10.38 | 3.04 | -1.27% | -44.09% |
OMF | 4.5B | 4.4B | -14.36% | -15.98% | 5.11 | 1.01 | 1.63% | -33.18% |
FCFS | 4.4B | 2.7B | 7.59% | 37.21% | 17.42 | 1.62 | 60.62% | 102.94% |
NNI | 3.4B | 1.2B | 1.26% | 8.12% | 8.43 | 2.76 | 27.53% | 3.58% |
SLM | 3.1B | 2.0B | -11.63% | -32.52% | 6.77 | 1.53 | 14.34% | -60.20% |
| SMALL-CAP | ||||||||
ENVA | 1.4B | 1.7B | -10.77% | 17.01% | 6.69 | 0.8 | 43.72% | -19.07% |
WRLD | 518.8M | 621.6M | -10.23% | -56.58% | 37.13 | 0.83 | 10.55% | -82.63% |
ATLC | 392.1M | 1.0B | -17.16% | -47.62% | 2.89 | 0.37 | 39.95% | -23.78% |
TREE | 341.6M | 985.0M | -19.41% | -77.72% | -1.82 | 0.35 | -10.33% | -371.94% |
RM | 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) | |||||
|---|---|---|---|---|---|---|
| Description | (%) Q/Q | 2022Q4 | 2022Q3 | 2022Q2 | 2022Q1 | 2021Q4 |
| Revenue | 9.5% | 12,864 | 11,750 | 11,067 | 10,741 | 10,651 |
| EBITDA | 6.4% | 16,821 | 15,810 | 16,269 | 16,581 | - |
| EBITDA Margin | -24.5% | 1.31* | 1.73* | 1.51* | 1.56* | - |
| Earnings Before Taxes | -0.1% | 5,742 | 5,749 | 5,833 | 6,603 | 7,064 |
| EBT Margin | -8.8% | 0.45* | 0.49* | 0.64* | 0.61* | - |
| Interest Expenses | 5.6% | 10,999 | 10,415 | 9,977 | 9,666 | 9,517 |
| Net Income | -0.8% | 4,392 | 4,426 | 4,511 | 5,098 | 5,449 |
| Net Income Margin | -9.4% | 0.34* | 0.38* | 0.49* | 0.47* | - |
| Free Cahsflow | 13.5% | 6,904 | 6,081 | 6,113 | 6,041 | - |
| Balance Sheet | (In Millions) | |||||
|---|---|---|---|---|---|---|
| Description | (%) Q/Q | 2022Q4 | 2022Q3 | 2022Q2 | 2022Q1 | 2021Q4 |
| Assets | 8.0% | 131,628 | 121,886 | 114,600 | 107,412 | 110,242 |
| Cash Equivalents | -11.5% | 8,856 | 10,004 | 11,439 | 9,625 | 8,750 |
| Net PPE | -1.2% | 1,003 | 1,015 | 984 | 984 | 983 |
| Goodwill | 0% | 255 | 255 | 255 | 255 | 255 |
| Liabilities | 8.8% | 117,038 | 107,600 | 100,836 | 93,979 | 96,834 |
| Long Term Debt | -0.3% | 20,108 | 20,177 | 18,185 | 17,132 | 18,477 |
| Shareholder's Equity | 2.1% | 14,590 | 14,286 | 13,764 | 13,433 | 13,408 |
| Retained Earnings | 3.1% | 28,453 | 27,585 | 26,776 | 25,833 | 24,766 |
| Additional Paid-In Capital | 0.5% | 4,468 | 4,444 | 4,417 | 4,390 | 4,369 |
| Float | - | 35,541 | - | - | - | - |
| Cashflow (Last 12 Months) | (In Millions) | |||||
|---|---|---|---|---|---|---|
| Description | (%) Q/Q | 2022Q4 | 2022Q3 | 2022Q2 | 2022Q1 | 2021Q4 |
| Cashflow From Operations | 13.2% | 7,140 | 6,307 | 6,309 | 6,245 | 6,019 |
| Cashflow From Investing | -60.1% | -25,637 | -16,014 | -10,034 | -5,487 | 40.00 |
| Cashflow From Financing | 81.9% | 16,062 | 8,829 | -1,172 | -11,789 | -8,316 |
| Buy Backs | -6.8% | 2,359 | 2,530 | 3,133 | 3,085 | 2,260 |
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 ascending | Fund Name | Type | % 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% |
Latest Funds Activity
Calls
Puts
Net Call Options
No. of Funds
Discover Financial Services News
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 |
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 ascending | Name | Buy/Sell | $ Value | Avg. Price | # Shares | Title |
|---|---|---|---|---|---|---|
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 |
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
2022-12-31Consolidated 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 loans | 1,870 | 1,734 | 1,817 |
| Investment securities | 179 | 182 | 252 |
| Other interest income | 183 | 18 | 41 |
| Total interest income | 12,864 | 10,651 | 11,095 |
| Interest expense | |||
| Deposits | 1,257 | 661 | 1,231 |
| Short-term borrowings | 2 | 0 | 32 |
| Long-term borrowings | 606 | 473 | 602 |
| Total interest expense | 1,865 | 1,134 | 1,865 |
| Net interest income | 10,999 | 9,517 | 9,230 |
| Provision for credit losses | 2,359 | 218 | 5,134 |
| Net interest income after provision for credit losses | 8,640 | 9,299 | 4,096 |
| Other income | |||
| Discount and interchange revenue, net | 1,424 | 1,224 | 933 |
| Protection products revenue | 172 | 165 | 180 |
| Loan fee income | 632 | 464 | 414 |
| Transaction processing revenue | 249 | 227 | 195 |
| (Losses) gains on equity investments | (214) | 424 | 80 |
| Other income | 75 | 66 | 56 |
| Total other income | 2,338 | 2,570 | 1,858 |
| Other expense | |||
| Employee compensation and benefits | 2,139 | 1,986 | 1,894 |
| Marketing and business development | 1,035 | 810 | 659 |
| Information processing and communications | 513 | 500 | 540 |
| Professional fees | 871 | 797 | 717 |
| Premises and equipment | 118 | 92 | 113 |
| Other expense | 560 | 620 | 596 |
| Total other expense | 5,236 | 4,805 | 4,519 |
| Income before income taxes | 5,742 | 7,064 | 1,435 |
| Income tax expense | 1,350 | 1,615 | 294 |
| Net income | 4,392 | 5,449 | 1,141 |
| 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 |