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Also traded in: Germany

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash-to-Debt 0.57
DFSPRB's Cash-to-Debt is ranked lower than
55% of the 412 Companies
in the Global Credit Services industry.

( Industry Median: 1.57 vs. DFSPRB: 0.57 )
Ranked among companies with meaningful Cash-to-Debt only.
DFSPRB' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.04  Med: 0.43 Max: N/A
Current: 0.57
Equity-to-Asset 0.12
DFSPRB's Equity-to-Asset is ranked lower than
90% of the 326 Companies
in the Global Credit Services industry.

( Industry Median: 0.39 vs. DFSPRB: 0.12 )
Ranked among companies with meaningful Equity-to-Asset only.
DFSPRB' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.1  Med: 0.13 Max: 0.2
Current: 0.12
0.1
0.2
Interest Coverage 2.49
DFSPRB's Interest Coverage is ranked lower than
67% of the 378 Companies
in the Global Credit Services industry.

( Industry Median: 11.69 vs. DFSPRB: 2.49 )
Ranked among companies with meaningful Interest Coverage only.
DFSPRB' s Interest Coverage Range Over the Past 10 Years
Min: 0.8  Med: 2.49 Max: 3.44
Current: 2.49
0.8
3.44
Beneish M-Score: -2.52
WACC vs ROIC
7.42%
9.81%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 6/10

vs
industry
vs
history
Operating Margin % 39.18
DFSPRB's Operating Margin % is ranked higher than
70% of the 408 Companies
in the Global Credit Services industry.

( Industry Median: 17.94 vs. DFSPRB: 39.18 )
Ranked among companies with meaningful Operating Margin % only.
DFSPRB' s Operating Margin % Range Over the Past 10 Years
Min: 19.06  Med: 40.76 Max: 49.7
Current: 39.18
19.06
49.7
Net Margin % 25.85
DFSPRB's Net Margin % is ranked higher than
68% of the 407 Companies
in the Global Credit Services industry.

( Industry Median: 13.61 vs. DFSPRB: 25.85 )
Ranked among companies with meaningful Net Margin % only.
DFSPRB' s Net Margin % Range Over the Past 10 Years
Min: 11.49  Med: 26.29 Max: 31.52
Current: 25.85
11.49
31.52
ROE % 20.55
DFSPRB's ROE % is ranked higher than
83% of the 405 Companies
in the Global Credit Services industry.

( Industry Median: 8.22 vs. DFSPRB: 20.55 )
Ranked among companies with meaningful ROE % only.
DFSPRB' s ROE % Range Over the Past 10 Years
Min: 8.97  Med: 20.37 Max: 29.96
Current: 20.55
8.97
29.96
ROA % 2.63
DFSPRB's ROA % is ranked higher than
51% of the 418 Companies
in the Global Credit Services industry.

( Industry Median: 2.54 vs. DFSPRB: 2.63 )
Ranked among companies with meaningful ROA % only.
DFSPRB' s ROA % Range Over the Past 10 Years
Min: 1.43  Med: 2.78 Max: 3.43
Current: 2.63
1.43
3.43
3-Year Revenue Growth Rate 9.90
DFSPRB's 3-Year Revenue Growth Rate is ranked higher than
57% of the 288 Companies
in the Global Credit Services industry.

( Industry Median: 6.50 vs. DFSPRB: 9.90 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
DFSPRB' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 1.9  Med: 9.9 Max: 49.9
Current: 9.9
1.9
49.9
3-Year EBITDA Growth Rate 4.00
DFSPRB's 3-Year EBITDA Growth Rate is ranked lower than
53% of the 249 Companies
in the Global Credit Services industry.

( Industry Median: 5.10 vs. DFSPRB: 4.00 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
DFSPRB' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -10.6  Med: 8.2 Max: 49.6
Current: 4
-10.6
49.6
3-Year EPS without NRI Growth Rate 5.20
DFSPRB's 3-Year EPS without NRI Growth Rate is ranked higher than
51% of the 241 Companies
in the Global Credit Services industry.

( Industry Median: 5.00 vs. DFSPRB: 5.20 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
DFSPRB' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: 0  Med: 8 Max: 59.6
Current: 5.2
0
59.6
GuruFocus has detected 2 Warning Signs with Discover Financial Services $DFSPRB.
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» DFSPRB's 30-Y Financials

Financials (Next Earnings Date: 2017-07-25 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

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Preferred stocks of Discover Financial Services

SymbolPriceYieldDescription
DFSPRB25.926.27Deposit Shs Repr 1/40th Non-Cum Perp Pfd Shs Series -B-

Business Description

Industry: Credit Services » Credit Services    NAICS: 522210    SIC: 6141
Compare:OTCPK:JGWE, NAS:LMFA, NAS:FPAY, OTCPK:IEGH, NAS:ATLC, NAS:LOAN, OTCPK:NXCN, NAS:CCCR, OTCPK:MOGOF, NAS:MFIN, NAS:ASFI, NAS:NICK, OTCPK:LTMP, NAS:SNFCA, NAS:CPSS, NAS:CLDC, OTCPK:FASGF, OTCPK:HTZZF, OTCPK:CCGN, NYSE:RM » details
Traded in other countries:DC7.Germany,
Headquarter Location:USA
Discover Financial Services is a direct banking and payment services company. The Company offers credit card loans, private student loans, personal loans, home equity loans and deposit products.

Discover Financial Services engages in direct consumer banking services, taking deposits and offering credit card, student, residential mortgage, and other loans to its customers. The firm also operates the Discover, Pulse, and Diners Club networks. The majority of transactions processed by the firm are of the closed-loop variety, in which Discover issues cards to customers as well as maintains direct relationships with merchants. However, the company has opened the network to third-party issuers and acquirers in recent years.

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Ratios

vs
industry
vs
history
PE Ratio 10.30
DFSPRB's PE Ratio is ranked higher than
70% of the 334 Companies
in the Global Credit Services industry.

( Industry Median: 15.95 vs. DFSPRB: 10.30 )
Ranked among companies with meaningful PE Ratio only.
DFSPRB' s PE Ratio Range Over the Past 10 Years
Min: 2.49  Med: 10.46 Max: 20.71
Current: 10.3
2.49
20.71
PE Ratio without NRI 10.30
DFSPRB's PE Ratio without NRI is ranked higher than
71% of the 335 Companies
in the Global Credit Services industry.

( Industry Median: 16.00 vs. DFSPRB: 10.30 )
Ranked among companies with meaningful PE Ratio without NRI only.
DFSPRB' s PE Ratio without NRI Range Over the Past 10 Years
Min: 2.53  Med: 9.59 Max: 16.78
Current: 10.3
2.53
16.78
Price-to-Owner-Earnings 10.09
DFSPRB's Price-to-Owner-Earnings is ranked higher than
63% of the 95 Companies
in the Global Credit Services industry.

( Industry Median: 13.71 vs. DFSPRB: 10.09 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
DFSPRB' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 3.9  Med: 9.31 Max: 24.55
Current: 10.09
3.9
24.55
PB Ratio 2.16
DFSPRB's PB Ratio is ranked lower than
67% of the 321 Companies
in the Global Credit Services industry.

( Industry Median: 1.33 vs. DFSPRB: 2.16 )
Ranked among companies with meaningful PB Ratio only.
DFSPRB' s PB Ratio Range Over the Past 10 Years
Min: 0.4  Med: 1.98 Max: 2.82
Current: 2.16
0.4
2.82
PS Ratio 2.61
DFSPRB's PS Ratio is ranked higher than
61% of the 390 Companies
in the Global Credit Services industry.

( Industry Median: 3.93 vs. DFSPRB: 2.61 )
Ranked among companies with meaningful PS Ratio only.
DFSPRB' s PS Ratio Range Over the Past 10 Years
Min: 0.4  Med: 2.47 Max: 3.62
Current: 2.61
0.4
3.62
Price-to-Free-Cash-Flow 5.84
DFSPRB's Price-to-Free-Cash-Flow is ranked higher than
56% of the 81 Companies
in the Global Credit Services industry.

( Industry Median: 7.05 vs. DFSPRB: 5.84 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
DFSPRB' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 0.59  Med: 5.84 Max: 10.02
Current: 5.84
0.59
10.02
Price-to-Operating-Cash-Flow 5.60
DFSPRB's Price-to-Operating-Cash-Flow is ranked higher than
59% of the 102 Companies
in the Global Credit Services industry.

( Industry Median: 9.57 vs. DFSPRB: 5.60 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
DFSPRB' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 0.57  Med: 5.59 Max: 9.44
Current: 5.6
0.57
9.44
EV-to-EBIT 9.74
DFSPRB's EV-to-EBIT is ranked higher than
76% of the 345 Companies
in the Global Credit Services industry.

( Industry Median: 18.69 vs. DFSPRB: 9.74 )
Ranked among companies with meaningful EV-to-EBIT only.
DFSPRB' s EV-to-EBIT Range Over the Past 10 Years
Min: -2.7  Med: 9.7 Max: 18.4
Current: 9.74
-2.7
18.4
EV-to-EBITDA 8.86
DFSPRB's EV-to-EBITDA is ranked higher than
76% of the 349 Companies
in the Global Credit Services industry.

( Industry Median: 15.71 vs. DFSPRB: 8.86 )
Ranked among companies with meaningful EV-to-EBITDA only.
DFSPRB' s EV-to-EBITDA Range Over the Past 10 Years
Min: -2.3  Med: 8.8 Max: 16.2
Current: 8.86
-2.3
16.2
PEG Ratio 1.54
DFSPRB's PEG Ratio is ranked lower than
65% of the 124 Companies
in the Global Credit Services industry.

( Industry Median: 0.91 vs. DFSPRB: 1.54 )
Ranked among companies with meaningful PEG Ratio only.
DFSPRB' s PEG Ratio Range Over the Past 10 Years
Min: 0.37  Med: 0.5 Max: 2.44
Current: 1.54
0.37
2.44
Shiller PE Ratio 15.39
DFSPRB's Shiller PE Ratio is ranked lower than
51% of the 53 Companies
in the Global Credit Services industry.

( Industry Median: 15.48 vs. DFSPRB: 15.39 )
Ranked among companies with meaningful Shiller PE Ratio only.
DFSPRB' s Shiller PE Ratio Range Over the Past 10 Years
Min: 12.76  Med: 15.93 Max: 19.37
Current: 15.39
12.76
19.37

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 6.27
DFSPRB's Dividend Yield % is ranked lower than
60% of the 290 Companies
in the Global Credit Services industry.

( Industry Median: 2.85 vs. DFSPRB: 6.27 )
Ranked among companies with meaningful Dividend Yield % only.
DFSPRB' s Dividend Yield % Range Over the Past 10 Years
Min: 0.32  Med: 1.07 Max: 6.27
Current: 6.27
0.32
6.27
3-Year Dividend Growth Rate 24.60
DFSPRB's 3-Year Dividend Growth Rate is ranked higher than
83% of the 108 Companies
in the Global Credit Services industry.

( Industry Median: 5.60 vs. DFSPRB: 24.60 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
DFSPRB' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 10.1 Max: 95.7
Current: 24.6
0
95.7
Forward Dividend Yield % 6.27
DFSPRB's Forward Dividend Yield % is ranked lower than
65% of the 281 Companies
in the Global Credit Services industry.

( Industry Median: 3.07 vs. DFSPRB: 6.27 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 35.71
DFSPRB's 5-Year Yield-on-Cost % is ranked higher than
90% of the 372 Companies
in the Global Credit Services industry.

( Industry Median: 3.27 vs. DFSPRB: 35.71 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
DFSPRB' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.83  Med: 6.11 Max: 27.71
Current: 35.71
1.83
27.71
3-Year Average Share Buyback Ratio 6.40
DFSPRB's 3-Year Average Share Buyback Ratio is ranked higher than
97% of the 201 Companies
in the Global Credit Services industry.

( Industry Median: -1.30 vs. DFSPRB: 6.40 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
DFSPRB' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -6.1  Med: 1.6 Max: 6.4
Current: 6.4
-6.1
6.4

Valuation & Return

vs
industry
vs
history
Earnings Yield (Greenblatt) % 10.27
DFSPRB's Earnings Yield (Greenblatt) % is ranked higher than
80% of the 419 Companies
in the Global Credit Services industry.

( Industry Median: 3.95 vs. DFSPRB: 10.27 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
DFSPRB' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -2729.2  Med: 9.9 Max: 4619.3
Current: 10.27
-2729.2
4619.3
Forward Rate of Return (Yacktman) % 18.15
DFSPRB's Forward Rate of Return (Yacktman) % is ranked higher than
58% of the 134 Companies
in the Global Credit Services industry.

( Industry Median: 10.13 vs. DFSPRB: 18.15 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
DFSPRB' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: 16.1  Med: 36 Max: 49.5
Current: 18.15
16.1
49.5

More Statistics

Beta0.19
Short Percentage of Float0.00%
52-Week Range $24.91 - 26.96

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