Stock DFS DISCOVER FINANCIAL SERVICES
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Financials Discover Financial Services

Equities

DFS

US2547091080

Banks

Real-time Estimate Cboe BZX
Other stock markets
 03:19:05 2024-05-17 pm EDT 		5-day change 1st Jan Change
125.1 USD +0.24% Intraday chart for Discover Financial Services +1.55% +11.49%
May. 15 US banking regulators announce July 19 public meeting on Capital One-Discover deal RE
May. 14 U.S. BANKING REGULATORS ANNOUNCE JULY 19 PUBLIC MEETING ON PROPO… RE

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 26,588 27,747 33,868 26,730 28,107 31,277 - -
Enterprise Value (EV) 1 26,588 27,747 33,868 26,730 28,107 31,277 31,277 31,277
P/E ratio 9.34 x 25.2 x 6.48 x - 9.98 x 12.4 x 9.58 x 8.18 x
Yield 1.98% 1.94% 1.63% 2.35% 2.4% 2.25% 2.29% 2.39%
Capitalization / Revenue 2.32 x 2.5 x 2.8 x - 1.77 x 1.86 x 1.88 x 1.79 x
EV / Revenue 2.32 x 2.5 x 2.8 x - 1.77 x 1.86 x 1.88 x 1.79 x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 2.22 x 2.55 x 2.49 x 1.79 x 1.9 x 1.91 x 1.72 x 1.64 x
Nbr of stocks (in thousands) 313,468 306,496 293,076 273,226 250,058 250,599 - -
Reference price 2 84.82 90.53 115.6 97.83 112.4 124.8 124.8 124.8
Announcement Date 1/23/20 1/20/21 1/19/22 1/18/23 1/17/24 - - -
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 11,459 11,088 12,087 - 15,860 16,772 16,669 17,458
EBITDA - - - - - - - -
EBIT 1 7,066 6,569 7,282 - 9,844 9,713 9,851 9,183
Operating Margin 61.66% 59.24% 60.25% - 62.07% 57.91% 59.1% 52.6%
Earnings before Tax (EBT) 1 3,835 1,435 7,064 - 3,826 3,396 4,266 4,898
Net income 1 2,905 1,098 5,400 - 2,859 2,496 3,209 3,734
Net margin 25.35% 9.9% 44.68% - 18.03% 14.88% 19.25% 21.39%
EPS 2 9.080 3.590 17.83 - 11.26 10.08 13.03 15.26
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 1.680 1.760 1.880 2.300 2.700 2.812 2.857 2.987
Announcement Date 1/23/20 1/20/21 1/19/22 1/18/23 1/17/24 - - -
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1 2025 Q2
Net sales 1 2,936 2,902 3,224 3,479 - 3,753 3,878 4,044 4,196 4,210 4,182 4,241 4,229 4,148 4,079
EBITDA - - - - - - - - - - - - - - -
EBIT 1 1,624 1,772 2,001 2,091 - 2,370 2,474 2,590 2,421 1,901 2,643 2,644 2,570 2,602 2,505
Operating Margin 55.31% 61.06% 62.07% 60.1% - 63.15% 63.8% 64.05% 57.7% 45.15% 63.19% 62.35% 60.76% 62.74% 61.41%
Earnings before Tax (EBT) 1 1,361 1,618 1,452 1,318 - 1,268 1,169 888 512 404 929.1 980.8 855.1 1,082 902.6
Net income 1 1,062 1,205 1,105 967 - 939 895 647 386 274 706.5 714.4 661 759.6 728.8
Net margin 36.17% 41.52% 34.27% 27.8% - 25.02% 23.08% 16% 9.2% 6.51% 16.89% 16.84% 15.63% 18.31% 17.87%
EPS 2 3.640 4.220 3.960 3.540 - 3.580 3.540 2.590 1.540 1.100 2.886 2.936 2.699 3.139 3.109
Dividend per Share 2 0.5000 0.5000 0.6000 0.6000 0.6000 0.6000 0.7000 0.7000 0.7000 0.7000 0.7000 0.7000 0.7000 0.7000 0.7000
Announcement Date 1/19/22 4/27/22 7/20/22 10/24/22 1/18/23 4/19/23 7/19/23 10/18/23 1/17/24 4/17/24 - - - - -
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt - - - - - - - -
Net Cash position - - - - - - - -
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow - - - - - - - -
ROE (net income / shareholders' equity) 25.3% 11.3% 44.5% 31% 21% 17.3% 18.4% 18.7%
ROA (Net income/ Total Assets) 2.6% 0.99% 4.84% 3.56% 2.02% 1.72% 2.08% 2.15%
Assets 1 111,774 110,909 111,566 - 141,612 144,812 154,030 173,664
Book Value Per Share 2 38.20 35.50 46.50 54.60 59.30 65.50 72.70 76.10
Cash Flow per Share 19.40 20.20 20.10 25.70 - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 1/23/20 1/20/21 1/19/22 1/18/23 1/17/24 - - -
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Discover Financial Services

Trading Rating
Investor Rating
ESG Refinitiv
C
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
16
Last Close Price
124.8 USD
Average target price
136.2 USD
Spread / Average Target
+9.09%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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