US stock · Financial Services sector · Credit Services
D
Discover Financial Services
DFS
NYSE102.36
USD
+2.48
(+2.48%)
Market Closed
6.51P/E
7Forward P/E
0.31P/E to S&P500
25.994BMarket CAP
2.40%Div Yield
Upcoming Earnings
18 Jul-24 Jul
Shares Short
5/15/23
4.91M
Short % of Float
2.26%
Short % of Shares Outs.
1.93%
% Held by Insiders
0.70%
% Held by Institutions
90.03%
Beta
1.46
PEG Ratio
0.13
52w. high/low
119.91/87.64
Avg. Daily Volume
2.42M
Return %
Stock
S&P 500
1 year
(7.38)
(9.05)
3 years
98.78
50.26
5 years
25.28
38.50
Scale: |
High
Low
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
87.64
119.91
94.42
Currency: USD
2007
2008
2009
2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
Revenue per share
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
43.44
Earnings per share
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
14.31
FCF per share
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
23.26
Dividends per share
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
2.29
CAPEX per share
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
- -
Book Value per sh.
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
47.52
Comm.Shares outs.
477
479
505
544
542
516
485
462
437
405
374
344
320
307
307
307
Avg. annual P/E ratio
17.1
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
7.5
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
0.4
Avg. annual div. yield
8.7%
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)
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
13,337
Operating margin
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation (m)
235
147
203
172
20
267
334
369
391
351
393
435
436
485
531
561
Net profit (m)
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
4,392
Income tax rate
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%
23.5%
Net profit margin
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%
32.9%
Working capital (m)
(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)
120,788
Long-term debt (m)
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
20,108
Equity (m)
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
14,590
ROIC
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%
4.4%
Return on capital
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%
5.8%
Return on equity
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%
30.1%
Plowback ratio
(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%
84.0%
Div.&Repurch./FCF
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%
42.7%
Capital Structure
23 Feb · 2023 | Q4
All numbers in millions
Total liabilities
$ 117,038
Total assets
$ 131,628
Long-term debt
$ 20,108
Cash and equiv.
$ 21,105
Goodwill
$ 255
Retained earnings
$ 28,453
Common stock
272
Enterprise Value
$ 24,997
Working Capital
Currency: USD, in millions
2020
2021
2022
Cash & Investments
16,225
18,236
28,093
Receivables
944
- -
104,746
Inventory
- -
- -
- -
Other
82,229
(13,564)
(4,285)
Current assets
99,398
- -
121,013
Acc. Payable
- -
- -
- -
Debt due
- -
1,250
225
Other
- -
- -
- -
Current liabilities
- -
1,250
225
Annual growth rates
(avg. rate of change)
1 year
5 years
10 years
Revenue
10.34%
5.78%
5.60%
Cash flow
22.58%
10.21%
9.41%
Earnings
(19.40)%
76.15%
35.56%
Dividends
10.53%
6.32%
6.63%
Book value
8.82%
7.58%
3.71%
Insider Trading
Type
Shares
Date
Eichfeld Robert Andrew
Sale
13,477
03/03/23
Roemer Michael E
Award
4,879
02/23/23
Toney Keith E
Award
7,047
02/23/23
Minetti Carlos
Award
8,221
02/23/23
Offereins Diane E
Award
8,221
02/23/23
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
3,479
3,732
13,337
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
4.05
3.62
3.28
3.36
14.31
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
0.52
0.60
0.59
0.58
2.29
Company Description
Sector:
Financial Services
Industry:
Credit Services
CEO:
Mr. Roger Crosby Hochschild
Full-time employees:
16,700
City:
Riverwoods
Address:
2500 Lake Cook Road
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.
Recent News
· 2 Aug, 2022 · The Wall Street Journal
· 21 Jul, 2022 · The Wall Street Journal
· 14 Feb, 2022 · The Wall Street Journal
· 20 Jan, 2022 · The Wall Street Journal
· 21 Oct, 2021 · The Wall Street Journal
· 20 Oct, 2021 · The Wall Street Journal