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Discover Financial Services
(NYSE: DFS)
AdChoices
61.01
-3.37
-5.23%
After Hours :
61.51
+0.50
+0.82%

Open

61.28

Previous Close

64.38

Volume (Avg)

7.53M (2.24M)

Day's Range

60.69-62.44

52Wk Range

50.22-65.98

Market Cap.

29.74B

Dividend Rate (Yield )

0.96 (1.37%)

Beta

1.02

Shares Outstanding

461.90M

P/E Ratio (EPS)

12.64 (5.09)

AdChoices
Fundamentals
  • Key statistics
  • Growth
  • Profitability
  • Financial health
  • Price ratios
  • Trading statistics
Industry Credit Services
Highlights
Analyst Recommendation: Outperform
    • Revenue

    • 8.22B

    • Net Income

    • 2.47B

    • Market Cap.

    • 29.74B

    • Enterprise Value

    • -

    • Net Profit Margin %

    • 28.61

    • PEG (Price/Earnings Growth) Ratio

    • 2.37

    • Beta

    • 1.02

    • Forward P/E

    • 11.44

    • Price/Sales

    • 3.62

    • Price/Book Value

    • 2.75

    • Price/Cash flow

    • 9.29

      • EBITDA

      • 4.28B

      • Return on Capital %

      • 3.14

      • Return on Equity %

      • 23.32

      • Return on Assets %

      • 3.14

      • Book Value/Share

      • 23.43

      • Shares Outstanding

      • 461.90M

      • Last Split Factor (Date)

      • -

      • Last Dividend (Ex-Date)

      • 0.24 (11/4/2014)

      • Dividend Declaration Date

      • 10/16/2014

      Analyst Recommendation
      10/21/2014
      Outperform
        • 1 Year Price Target

        • 69.20

        • Credit Rating

        • BBB+

        • Analysts

        • 8

        • EPS Estimate

        • 5.60

        • Cashflow Estimate

        • 5.55

        Morningstar Consensus estimate data
        • Growth Rate (%)

        • Company

        • Industry

          • Sales (Revenue)

            Q/Q (last year)

          • 6.40

          • 5.91

          • Net Income

            YTD/YTD (last year)

          • 4.90

          • 40.16

          • Net Income

            Q/Q (last year)

          • 7.00

          • 8.58

          • Sales (Revenue)

            5-Year Annual Average

          • 11.14

          • 15.87

          • Net Income

            5-Year Annual Average

          • 18.00

          • 7.00

          • Dividends

            5-Year Annual Average

          • 19.73

          • 33.93

          • Profit Margins (%)

          • Company

          • Industry

            • Gross Margin

            • -

            • 85.68

            • Pre-Tax Margin

            • 46.44

            • 38.31

            • Net Profit Margin

            • 28.61

            • 25.97

            • Average Gross Margin

              5-Year Annual Average

            • -

            • 76.19

            • Average Pre-Tax Margin

              5-Year Annual Average

            • -

            • 29.71

            • Average Net Profit Margin

              5-Year Annual Average

            • -

            • 280.63B

            • Financial Ratios

            • Company

            • Industry

              • Debt/Equity Ratio

              • 1.85

              • 1.82

              • Current Ratio

              • -

              • 1.73

              • Quick Ratio

              • -

              • 1.28

              • Interest Coverage

              • -

              • 97.68

              • Leverage Ratio

              • 7.29

              • 4.55

              • Book Value/Share

              • 23.43

              • 20.63

              • Price Ratios

              • Company

              • Industry

                • Current P/E Ratio

                • 12.32

                • 17.95

                • P/E Ratio 5-Year High

                • 12.96

                • 147.19

                • P/E Ratio 5-Year Low

                • 2.38

                • 89.34

                • Price/Sales Ratio

                • 3.52

                • 3.46

                • Price/Book Value

                • 2.68

                • 3.05

                • Price/Cash Flow Ratio

                • 9.29

                • 9.99

                • Key Metrics

                • Company

                • Industry

                  • Return on Equity %

                    (5-Year Average)

                  • 23.32

                    (-)

                  • 21.43

                    (16.79)

                  • Return on Assets %

                    (5-Year Average)

                  • 3.14

                    (-)

                  • 4.90

                    (3.71)

                  • Return on Capital %

                    (5-Year Average)

                  • 10.49

                    (-)

                  • 10.45

                    (6.98)

                  • Income/Employee

                  • 174.83k

                  • 106.70k

                  • Inventory Turnover

                  • -

                  • 4.46

                  • Asset Turnover

                  • 0.11

                  • 0.19

                  Current Historical
                  Financials
                  • Income Statement
                  • Balance Sheet
                  • Cash Flow
                  Operating Income
                  3.94B
                  Operating Margin
                  47.96
                  Total Equity
                  -
                  Retained Earnings
                  -
                  Free Cashflow
                  -
                  Price/Cashflow
                  9.29
                  Ownership

                  Institutional Ownership

                  89.38%

                  Top 10 Institutions

                  25.45%

                  Mutual Fund Ownership

                  45.96%

                  Float

                  99.33%

                  5% / Insider Ownership

                  1.33%

                  Corporate insiders or major stockholders reporting trading activity in the stock.

                  Top Mutual Fund Owners

                  Top Institutional Owners

                  Mutual Fund Name

                  Institution Name

                  • Mutual Fund Name

                  • Shares Held

                  • % Change

                  • % Outstanding

                  • Vanguard Total Stock Mkt Idx

                  •  

                    7,597,297

                  • 0.32

                  • 1.64

                  • Vanguard Five Hundred Index Fund

                  •  

                    4,795,313

                  • -0.71

                  • 1.04

                  • Vanguard Institutional Index Fund

                  •  

                    4,679,325

                  • -1.99

                  • 1.01

                  • SPDR® S&P 500 ETF

                  •  

                    4,505,595

                  • -2.12

                  • 0.95

                  • Artisan Mid Cap Fund

                  •  

                    4,489,173

                  • -8.33

                  • 0.97

                  • Assumption/CI Harbour Growth & Inc

                  •  

                    3,600,000

                  • 0.00

                  • 0.77

                  • MainStay Marketfield Fund

                  •  

                    3,465,406

                  • -3.55

                  • 0.74

                  • Vanguard Selected Value Fund

                  •  

                    3,296,000

                  • 0.00

                  • 0.71

                  • Fidelity® Contrafund® Fund

                  •  

                    3,295,900

                  • 1.69

                  • 0.71

                  • Financial Select Sector SPDR® Fund

                  •  

                    2,975,112

                  • -0.06

                  • 0.63

                  • Institution Name

                  • Shares Held

                  • % Change

                  • % Outstanding

                  • Vanguard Group, Inc.

                  •  

                    23,095,292

                  • +0.92%

                  • 4.96

                  • State Street Corp

                  •  

                    19,972,729

                  • -1.13%

                  • 4.29

                  • BlackRock Fund Advisors

                  •  

                    14,532,888

                  • -2.41%

                  • 3.12

                  • Fidelity Management and Research Company

                  •  

                    11,385,691

                  • +25.41%

                  • 2.45

                  • Artisan Partners Limited Partnership

                  •  

                    10,317,543

                  • +1.74%

                  • 2.22

                  • BlackRock Advisors LLC

                  •  

                    9,174,028

                  • 0.00%

                  • 1.97

                  • OppenheimerFunds, Inc.

                  •  

                    7,909,266

                  • -20.14%

                  • 1.70

                  • Robeco Investment Management, Inc.

                  •  

                    7,812,467

                  • +26.24%

                  • 1.68

                  • CI Investments Inc.

                  •  

                    7,212,500

                  • -9.76%

                  • 1.55

                  • BMO Asset Management Inc.

                  •  

                    7,010,521

                  • +17.58%

                  • 1.51

                  Company Profile

                  Sector

                  Financial Services

                  Industry

                  Credit Services

                  Type

                  Cyclical

                  Style

                  Large Core

                  Discover Financial Services was incorporated in Delaware in 1960. The Company is a direct banking and payment services company. The Company offers credit card loans, private student loans, personal loans, home equity loans and deposi...moret products. It operates the Discover Network, credit card payments network; the PULSE Network, automated teller machine, debit and electronic funds transfer network; and Diners Club International, global payments network. Its business segments are Direct Banking, formerly referred to as U.S. Card, and Payment Services, formerly referred to as Third-Party Payments. Direct Banking segment includes Discover card-branded credit cards issued to individuals and small businesses on the Discover Network and other consumer products and services, including personal loans, student ...moreloans, prepaid cards and other consumer lending and deposit products offered through its Discover Bank subsidiary. Payment Services segment includes PULSE, its ATM, debit and electronic funds transfer network; Diners Club, global payments network; and its third-party issuing business, which includes credit, debit and prepaid cards issued on the Discover Network by third parties. The PULSE Network is one of the nation’s main ATM/debit networks. PULSE links cardholders of more than 6,000 financial institutions with ATMs and point-of-sale terminals located throughout the United States. Its Diners Club business maintains an acceptance network in over 185 countries and territories through its relationships with 80 licensees, which are generally financial institutions. In order to attract and retain customers and merchants, the Company continues to develop new products, features, and benefits and market them through a variety of channels, including mail, phone and online. Targeted offers might include balance transfers, fee products and reinforcement of its Cashback Bonus rewards program. The Company maintains a full-service, in-house direct marketing department charged with delivering integrated communications to foster customer engagement with its products and services in addition to supervising external agencies. Processing services cover four functional areas: card personalization/embossing, print/mail, remittance processing and document processing. As a credit card issuer, it competes for accounts and utilization with cards issued by other financial institutions including American Express, Bank of America, Capital One, JPMorgan Chase and Citigroup. Its operations are subject to regulation, supervision and examination under U.S. federal, state and foreign laws and regulations.lessless

                  Key People

                  David W. Nelms

                  CEO/Chairman of the Board/Director

                  R. Mark Graf

                  CFO/Executive VP

                  Glenn Schneider

                  Chief Information Officer/Senior VP

                  Carlos Minetti

                  Executive VP/President, Divisional

                  Diane E. Offereins

                  Executive VP/President, Divisional

                  • Discover Financial Services

                  • 2500 Lake Cook Road

                  • Riverwoods, IL 60015

                  • USA.Map

                  • Phone: +1 224 405-0900

                  • Fax: -

                  • discoverfinancial.com

                  Incorporated

                  1960

                  Employees

                  14,128

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