Discovery (FRA:D3H) Net Loan: €594 Mil (As of Dec. 2025)

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FRA:D3H Discovery Ltd FRA:D3H
81 GF Score
Price €13.90
GF Value €14.30
! 4 Warning Signs
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What is Discovery Net Loan?

Discovery FRA:D3H 81 Net Loan is €594 Mil as of Dec. 2025. GuruFocus rates FRA:D3H with a GF Score™ of 81/100 and a GF Value™ of €14.30. The stock has 4 warning signs investors should review.

Discovery's quarterly net loan increased from Dec. 2024 (€412 Mil) to Jun. 2025 (€414 Mil) and increased from Jun. 2025 (€414 Mil) to Dec. 2025 (€594 Mil).

Discovery's annual net loan increased from Jun. 2023 (€232 Mil) to Jun. 2024 (€414 Mil) and increased from Jun. 2024 (€414 Mil) to Jun. 2025 (€594 Mil).

Discovery Net Loan Historical Data

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The historical data trend for Discovery's Net Loan can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Discovery Net Loan Chart

Discovery Annual Data
Trend Jun16 Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25
Net Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 200.50 235.93 231.53 303.87 414.19

Discovery Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Net Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 256.85 303.87 411.97 414.19 593.85
FRA:D3H
81GF Score
Discovery Ltd FRA:D3H
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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Discovery Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of €594 Mil mean?
Discovery (FRA:D3H) has a Net Loan of €594 Mil as of Dec. 2025. The total net loans as recorded on a bank's balance sheet. View historical data on Discovery and its competitors.
Is Discovery's Net Loan too high?
Discovery's current Net Loan is €594 Mil. Overall, Discovery has a GF Score™ of 81/100, reflecting its overall financial health beyond just this single metric.
How does Discovery's Net Loan compare to AFL and MET?
Discovery's Net Loan of €594 Mil can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for an Insurance company?
A good Net Loan depends on the Insurance industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on Discovery and its competitors. Discovery's current Net Loan is €594 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Discovery stock overvalued right now?
Discovery (FRA:D3H) has a current Net Loan of €594 Mil. The stock's GF Value™ is €14.30, compared to a current price of €13.90 — trading 2.8% below its estimated fair value. The current Net Loan is €594 Mil. Discovery's overall GF Score™ is 81/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For Discovery (FRA:D3H), the current Net Loan is €594 Mil as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Discovery (FRA:D3H) Overvalued in 2026?

Based on GuruFocus' analysis, Discovery stock appears to be undervalued. The current stock price of €13.90 is trading 2.8% below its estimated GF Value™ of €14.30.

Key valuation signals for FRA:D3H:

  • Net Loan: €594 Mil
  • GF Value™: €14.30 vs. price of €13.90 (2.8% below fair value)
  • GF Score™: 81/100 with 4 warning signs

No single metric tells the full story. See the FRA:D3H stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Discovery Business Description

Address 1 Discovery Place, Sandton, Johannesburg, GT, ZAF, 2196
Discovery Ltd is a financial services organization. It operates in the healthcare, life insurance, short-term insurance, long-term savings, banking and wellness markets. It specializes in health insurance, life assurance, wellness, investments and savings, short-term insurance, and banking. The company generates revenue through its insurance and financial services, with primary markets in South Africa and the UK, and presence in Canada, the USA, Singapore, Australia, and China.
81GF Score

Get the complete analysis for FRA:D3H

Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€13.90
Price
€14.30
GF Value