Business Description
Discover Financial Services
NAICS : 522210
SIC : 6141
2500 Lake Cook Road, Riverwoods, IL, USA, 60015
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Traded in other countries / regions
DFS.Austria
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D1FS34.Brazil
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DC7.Germany
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DFS.Mexico
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0IBC.UK
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DFS.USA
Description
Discover Financial Services is a bank operating in two distinct segments: direct banking and payment services. The company issues credit and debit cards and provides other consumer banking products including deposit accounts, students loans, and other personal loans. It also operates the Discover, Pulse, and Diners Club networks. The Discover network is the fourth-largest payment network in the United States as ranked by overall purchase volume, and Pulse is one of the largest ATM networks in the country.
Financial Strength
3/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Cash-To-Debt | 0.57 | |||||
| Equity-to-Asset | 0.12 | |||||
| Debt-to-Equity | 1.45 | |||||
| Debt-to-EBITDA | 1.69 | |||||
| Interest Coverage | N/A |
N/A
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N/A
| |||
| Piotroski F-Score | 7/9 | |||||
| Altman Z-Score | 0 | |||||
| Beneish M-Score | -2.57 | |||||
| WACC vs ROIC | ||||||
Growth Rank
9/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 3-Year Revenue Growth Rate | 9.1 | |||||
| 3-Year EPS without NRI Growth Rate | 31.8 | |||||
| 3-Year FCF Growth Rate | 10.7 | |||||
| 3-Year Book Growth Rate | 10.3 | |||||
| Future 3-5Y EPS without NRI Growth Rate Industry Rank | -3.25 | |||||
| Future 3-5Y Total Revenue Growth Rate Industry Rank | 5.24 |
Momentum Rank
8/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 5-Day RSI | 56.65 | |||||
| 9-Day RSI | 54.12 | |||||
| 14-Day RSI | 52.68 | |||||
| 6-1 Month Momentum % | -16.43 | |||||
| 12-1 Month Momentum % | -22.92 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History |
|---|
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Dividend Yield % | 2.05 | |||||
| Dividend Payout Ratio | 0.14 | |||||
| 3-Year Dividend Growth Rate | 7.8 | |||||
| Forward Dividend Yield % | 2.34 | |||||
| 5-Year Yield-on-Cost % | 3.28 | |||||
| 3-Year Average Share Buyback Ratio | 4.5 |
Profitability Rank
7/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Net Margin % | 38.1 | |||||
| ROE % | 33.02 | |||||
| ROA % | 4.09 | |||||
| Years of Profitability over Past 10-Year | 10 |
GF Value Rank
6/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| PE Ratio | 6.7 | |||||
| Forward PE Ratio | 6.91 | |||||
| PE Ratio without NRI | 6.7 | |||||
| Shiller PE Ratio | 12 | |||||
| Price-to-Owner-Earnings | 6.25 | |||||
| PEG Ratio | 0.86 | |||||
| PS Ratio | 2.5 | |||||
| PB Ratio | 2.22 | |||||
| Price-to-Tangible-Book | 2.27 | |||||
| Price-to-Free-Cash-Flow | 4.85 | |||||
| Price-to-Operating-Cash-Flow | 4.7 | |||||
| EV-to-Revenue | 3.17 | |||||
| EV-to-Forward-Revenue | 3.75 | |||||
| EV-to-FCF | 6.14 | |||||
| Price-to-Projected-FCF | 0.34 | |||||
| Price-to-DCF (Earnings Based) | 0.38 | |||||
| Price-to-DCF (FCF Based) | 0.18 | |||||
| Price-to-Median-PS-Value | 0.9 | |||||
| Price-to-Peter-Lynch-Fair-Value | 0.78 | |||||
| Price-to-Graham-Number | 0.83 | |||||
| Forward Rate of Return (Yacktman) % | 26.02 |
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Executives
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Analyst Estimate
Key Statistics
| Name | Value | ||
|---|---|---|---|
| Revenue (TTM) (Mil $) | 11,839 | ||
| EPS (TTM) ($) | 15.36 | ||
| Beta | 1.44 | ||
| Volatility % | 26.34 | ||
| 14-Day RSI | 52.68 | ||
| 14-Day ATR ($) | 3.111648 | ||
| 20-Day SMA ($) | 101.7595 | ||
| 12-1 Month Momentum % | -22.92 | ||
| 52-Week Range ($) | 88.02 - 135.69 | ||
| Shares Outstanding (Mil) | 273.17 |
Piotroski F-Score Details
Year:
| Component | Result | ||
|---|---|---|---|
| Piotroski F-Score | 7 | ||
| Positive ROA | |||
| Positive CFROA | |||
| Higher ROA yoy | |||
| CFROA > ROA | |||
| Lower Leverage yoy | |||
| Higher Current Ratio yoy | |||
| Less Shares Outstanding yoy | |||
| Higher Gross Margin yoy | |||
| Higher Asset Turnover yoy |
Discover Financial Services Filings
| Document | Form | Filing Date | ||
|---|---|---|---|---|
| No Filing Data | ||||