US stock · Financial Services sector · Credit Services
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Discover Financial Services

DFSNYSE

95.32

USD
-1.36
(-1.41%)
Market Closed
6.18P/E
7Forward P/E
0.34P/E to S&P500
26.039BMarket CAP
2.17%Div Yield
Upcoming Earnings
18 Oct-24 Oct
Shares Short
9/15/22
3.65M
Short % of Float
1.54%
Short % of Shares Outs.
1.34%
% Held by Insiders
0.62%
% Held by Institutions
86.06%
Beta
1.42
PEG Ratio
0.11
52w. high/low
133.40/88.02
Avg. Daily Volume
1.64M
Return %
Stock
S&P 500
1 year
(25.68)
(15.03)
3 years
22.10
27.03
5 years
45.04
47.04
Scale: |
High
Low
32.17
14.81
19.87
6.59
17.36
4.73
19.45
12.11
27.92
18.31
42.08
23.75
56.20
37.24
66.75
51.63
66.02
50.20
73.62
42.86
77.79
57.50
81.93
54.36
92.98
57.79
90.66
23.25
135.69
81.27
130.81
88.02
Currency: USD
2006
2007
2008
2009
2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
TTM
Revenue per share
12.33
10.58
10.03
13.35
12.24
13.04
14.83
16.96
18.35
20.00
22.47
26.46
31.13
35.81
36.12
39.37
41.07
Earnings per share
2.13
1.23
1.94
2.53
1.41
4.11
4.54
5.09
5.03
5.26
5.91
5.61
7.97
9.24
3.72
17.75
15.37
FCF per share
3.12
4.02
9.20
7.02
7.02
6.45
5.61
6.78
7.97
8.43
10.48
13.34
14.35
18.48
19.33
18.97
21.21
Dividends per share
0.99
1.84
0.24
0.20
1.55
0.20
0.41
0.82
1.01
1.18
1.27
1.41
1.60
1.79
1.88
2.07
2.32
CAPEX per share
0.29
0.25
0.20
0.11
0.10
0.21
0.28
0.48
0.31
0.38
0.44
0.58
0.74
0.89
0.85
0.63
0.68
Book Value per sh.
11.44
11.73
12.34
16.72
11.87
15.21
19.13
22.29
24.10
25.80
27.96
29.12
32.35
37.06
35.45
43.67
46.72
Comm.Shares outs.
505
477
479
505
544
542
516
485
462
437
405
374
344
320
307
307
288
Avg. annual P/E ratio
- -
17.9
7.4
4.4
11.0
5.7
7.6
9.2
12.0
10.8
9.4
11.7
9.2
8.4
16.0
6.3
6.2
P/E to S&P500
- -
1.0
0.3
0.1
0.5
0.4
0.5
0.5
0.7
0.5
0.4
0.5
0.4
0.3
0.4
0.2
0.3
Avg. annual div. yield
- -
8.3%
1.7%
1.8%
10.1%
0.9%
1.2%
1.8%
1.7%
2.1%
2.3%
2.2%
2.2%
2.3%
3.2%
1.9%
2.1%
Revenue (m)
6,223
5,052
4,805
6,734
6,658
7,066
7,653
8,224
8,477
8,739
9,099
9,897
10,709
11,459
11,088
12,087
11,839
Operating margin
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation (m)
223
235
147
203
172
20
267
334
369
391
351
393
435
436
485
531
562
Net profit (m)
1,077
589
928
1,276
765
2,227
2,345
2,470
2,323
2,297
2,393
2,099
2,742
2,957
1,141
5,449
4,511
Income tax rate
32.0%
37.7%
35.9%
39.8%
39.7%
36.6%
37.5%
37.4%
37.1%
36.4%
34.5%
40.7%
23.8%
22.9%
20.5%
22.9%
22.6%
Net profit margin
17.3%
11.7%
19.3%
19.0%
11.5%
31.5%
30.6%
30.0%
27.4%
26.3%
26.3%
21.2%
25.6%
25.8%
10.3%
45.1%
38.2%
Working capital (m)
23,896
(29,278)
(31,448)
(35,144)
(26,993)
(38,335)
(40,702)
73,086
(45,522)
(41,034)
(49,836)
(54,841)
(63,212)
(72,016)
99,398
(1,250)
107,719
Long-term debt (m)
1,508
2,134
1,735
2,428
17,706
18,287
19,727
20,474
22,543
24,724
25,443
26,326
27,228
25,701
21,241
18,977
18,185
Equity (m)
5,775
5,599
5,916
8,436
6,457
8,242
9,873
10,809
11,134
11,275
11,323
10,892
11,130
11,859
10,884
13,408
13,764
ROIC
10.5%
18.8%
23.6%
18.7%
7.1%
11.9%
10.7%
4.0%
10.0%
8.6%
10.4%
9.6%
13.7%
15.2%
2.3%
5.8%
4.7%
Return on capital
13.5%
6.2%
7.0%
7.3%
4.7%
7.3%
6.7%
6.4%
5.8%
5.6%
5.5%
5.2%
5.2%
5.6%
2.9%
7.4%
6.0%
Return on equity
18.6%
10.5%
15.7%
15.1%
11.8%
27.0%
23.8%
22.9%
20.9%
20.4%
21.1%
19.3%
24.6%
24.9%
10.5%
40.6%
32.8%
Plowback ratio
53.6%
(49.4)%
87.4%
92.1%
(10.5)%
95.1%
91.1%
83.8%
79.9%
77.6%
78.5%
74.9%
79.9%
80.6%
49.5%
88.3%
85.2%
Div.&Repurch./FCF
31.7%
45.8%
2.7%
(11.9)%
54.4%
14.9%
48.3%
51.2%
55.0%
60.4%
56.9%
63.7%
52.9%
39.5%
15.4%
49.6%
62.0%
Capital Structure
27 Jul · 2022 | Q2
All numbers in millions
Total liabilities
$ 100,836
Total assets
$ 114,600
Long-term debt
$ 18,185
Cash and equiv.
$ 11,439
Goodwill
$ 255
Retained earnings
$ 26,776
Common stock
279
Enterprise Value
$ 32,785
Working Capital
Currency: USD, in millions
2019
2020
2021
Cash & Investments
6,924
16,225
18,236
Receivables
- -
944
- -
Inventory
- -
- -
- -
Other
2,743
88,869
(6,924)
Current assets
9,667
99,398
- -
Acc. Payable
- -
- -
- -
Debt due
- -
- -
1,250
Other
81,683
- -
- -
Current liabilities
81,683
- -
1,250
Annual growth rates
(avg. rate of change)
1 year
5 years
10 years
Revenue
9.01%
5.25%
5.28%
Cash flow
(1.85)%
4.31%
8.39%
Earnings
377.56%
88.66%
38.31%
Dividends
10.42%
4.87%
15.56%
Book value
23.19%
5.93%
3.79%
Insider Trading
Type
Shares
Date
Walcott Wanjiku Juanita
InKind
11,659
08/01/22
Roemer Michael E
InKind
207
08/01/22
Greene John
InKind
1,752
08/01/22
Owen John B
Award
1,404
06/06/22
Wong Jennifer L.
Award
1,634
05/19/22
Quarterly Revenue
Currency: USD, in millions
Year
1Q
2Q
3Q
4Q
Total
2020
2,888
2,662
2,714
2,824
11,088
2021
2,795
3,579
2,777
2,936
12,087
2022
2,902
3,224
- -
- -
- -
Earnings per share
Currency: USD
Year
1Q
2Q
3Q
4Q
Total
2020
(0.20)
(1.20)
2.51
2.60
3.72
2021
5.19
5.53
3.55
3.48
17.75
2022
4.36
3.98
- -
- -
- -
Quarterly dividends paid
Currency: USD
Year
1Q
2Q
3Q
4Q
Total
2020
0.45
0.49
0.44
0.50
1.88
2021
0.52
0.49
0.53
0.53
2.07
2022
0.56
0.66
- -
- -
- -
Company Description
Sector:
Financial Services
Industry:
Credit Services
CEO:
Mr. Roger Hochschild
Full-time employees:
16,700
City:
Riverwoods
Address:
2500 Lake Cook Rd
IPO:
Jun 14, 2007
Website:
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.