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Discover Financial Services (DFS)
Key financial summary
Financials in USD| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Total revenue | $bn | 11 | 11 | 12 | 13 | 18 | 20 | 22 |
| Operating profit | $bn | 18 | 8 | |||||
| Net profit | $bn | 3 | 1 | 5 | 4 | 3 | 5 | 5 |
| EPS reported | $ | 17.71 | 18.75 | |||||
| Operating cashflow per share | $ | 33.57 | 33.57 | |||||
| Capex per share | $ | 1.07 | 1.07 | |||||
| FCF per share | $ | 32.50 | 32.50 | |||||
| Free cash flow | $bn | 8 | 8 | |||||
| Net debt | $bn | 0 | -5 | |||||
| Book value equity | $bn | 18 | 19 | |||||
| Book value per share | $ | 71.42 | 75.25 | |||||
| Number of shares | m | 251 | 252 | |||||
| DPS (TTM paid) | $ | 2.80 | 2.80 |
Financial summary
Financials in USD| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Value | ||||||||
| P/E TTM | x | 9.78 | - | |||||
| P/B LTM | x | 2.43 | 2.65 | |||||
| P/S LTM | x | 2.17 | 2.27 | |||||
| P/FCF LTM | x | 5.33 | 5.96 | |||||
| EV/EBITDA LTM | x | 8.04 | 5.78 | |||||
| EV/Sales LTM | x | 2.56 | 2.05 | |||||
| Earnings Yield LTM | % | 10.22% | 9.03% | |||||
| FCF Yield | % | 18.76% | 16.79% | |||||
| Quality | ||||||||
| ROE | % | 25.30% | 28.20% | |||||
| ROIC | % | 32.48% | 32.48% | |||||
| Operating margin | % | 88.29% | 88.29% | |||||
| Gross margin | % | 89.46% | 89.46% | |||||
| FCF/Sales | % | 40.74% | 40.74% | |||||
| Growth and momentum | ||||||||
| EPS Growth YoY | % | +65.51% | +71.70% | |||||
| Sales Growth YoY | % | +12.19% | +72.28% | |||||
| Net Income Growth YoY | % | +62.20% | +69.85% | |||||
| FCF Growth | % | -1.25% | +1.64% | |||||
| Operating Profit Growth | % | +210.27% | +73.79% | |||||
| Dividend and capital structure | ||||||||
| Dividend Yield | % | 1.77% | 1.40% | |||||
| Dividend Growth | % | +3.70% | - | |||||
| Payout Ratio | % | 17.00% | 16.37% | |||||
| FCF/Debt | x | 0.50 | 0.58 | |||||
| Net Debt/EBITDA | x | 1.22 | 1.22 | |||||
| EBIT/Net interest | x | 3.09 | 3.09 | |||||
| Net debt/market cap | % | 0.17% | -9.61% | |||||
| Net debt/Equity | x | 0.00 | -0.26 | |||||
| Gross debt/equity | x | 0.91 | 0.77 | |||||
Company overview
Based in Riverwoods, Illinois, and founded in 1960, Discover Financial Services offers a comprehensive suite of digital banking and payment solutions throughout the United States. Its operations are organized into two primary divisions: Digital Banking and Payment Services. The Digital Banking segment caters to individuals with Discover-branded credit cards, various consumer loan products including private student, personal, and home loans, and a direct-to-consumer deposit portfolio featuring savings, certificates of deposit (CDs), money market, checking, and sweep accounts, alongside specialized IRA deposit options. The Payment Services segment is responsible for operating the PULSE network, which supports automated teller machines, debit transactions, and electronic funds transfers. It also oversees Diners Club International, a global payments network involved in issuing branded charge cards and facilitating card acceptance. Furthermore, this segment provides essential payment transaction processing and settlement services.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Discover Financial Services (DFS)
Based in Riverwoods, Illinois, and founded in 1960, Discover Financial Services offers a comprehensive suite of digital banking and payment solutions throughout the United States. Its operations are organized into two primary divisions: Digital Banking and Payment Services. The Digital Banking segment caters to individuals with Discover-branded credit cards, various consumer loan products including private student, personal, and home loans, and a direct-to-consumer deposit portfolio featuring savings, certificates of deposit (CDs), money market, checking, and sweep accounts, alongside specialized IRA deposit options. The Payment Services segment is responsible for operating the PULSE network, which supports automated teller machines, debit transactions, and electronic funds transfers. It also oversees Diners Club International, a global payments network involved in issuing branded charge cards and facilitating card acceptance. Furthermore, this segment provides essential payment transaction processing and settlement services.
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