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Discover Financial Services (STU:DC7) Shiller PE Ratio : 16.05 (As of May. 03, 2025)


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What is Discover Financial Services Shiller PE Ratio?

As of today (2025-05-03), Discover Financial Services's current share price is €160.00. Discover Financial Services's E10 for the quarter that ended in Mar. 2025 was €9.97. Discover Financial Services's Shiller PE Ratio for today is 16.05.

The historical rank and industry rank for Discover Financial Services's Shiller PE Ratio or its related term are showing as below:

STU:DC7' s Shiller PE Ratio Range Over the Past 10 Years
Min: 4.48   Med: 14.89   Max: 19.79
Current: 16.28

During the past years, Discover Financial Services's highest Shiller PE Ratio was 19.79. The lowest was 4.48. And the median was 14.89.

STU:DC7's Shiller PE Ratio is ranked worse than
54.46% of 325 companies
in the Credit Services industry
Industry Median: 14.61 vs STU:DC7: 16.28

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Discover Financial Services's adjusted earnings per share data for the three months ended in Mar. 2025 was €3.931. Add all the adjusted EPS for the past 10 years together and divide 10 will get our E10, which is €9.97 for the trailing ten years ended in Mar. 2025.

Shiller PE for Stocks: The True Measure of Stock Valuation


Discover Financial Services Shiller PE Ratio Historical Data

The historical data trend for Discover Financial Services's Shiller PE Ratio 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.

* Premium members only.

Discover Financial Services Shiller PE Ratio Chart

Discover Financial Services Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Shiller PE Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 15.29 15.09 10.70 11.38 15.35

Discover Financial Services Quarterly Data
Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25
Shiller PE Ratio 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 12.84 12.24 12.89 15.35 14.61

Competitive Comparison of Discover Financial Services's Shiller PE Ratio

For the Credit Services subindustry, Discover Financial Services's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Discover Financial Services's Shiller PE Ratio Distribution in the Credit Services Industry

For the Credit Services industry and Financial Services sector, Discover Financial Services's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Discover Financial Services's Shiller PE Ratio falls into.


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Discover Financial Services Shiller PE Ratio Calculation

For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller PE Ratio is also called PE10.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Discover Financial Services's Shiller PE Ratio for today is calculated as

Shiller PE Ratio=Share Price/ E10
=160.00/9.97
=16.05

* 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.

Discover Financial Services's E10 for the quarter that ended in Mar. 2025 is calculated as:

For example, Discover Financial Services's adjusted earnings per share data for the three months ended in Mar. 2025 was:

Adj_EPS=Earnings per Share (Diluted)/CPI of Mar. 2025 (Change)*Current CPI (Mar. 2025)
=3.931/134.9266*134.9266
=3.931

Current CPI (Mar. 2025) = 134.9266.

Discover Financial Services Quarterly Data

Earnings per Share (Diluted) CPI Adj_EPS
201506 1.185 100.684 1.588
201509 1.230 100.392 1.653
201512 1.047 99.792 1.416
201603 1.212 100.470 1.628
201606 1.308 101.688 1.736
201609 1.390 101.861 1.841
201612 1.327 101.863 1.758
201703 1.337 102.862 1.754
201706 1.246 103.349 1.627
201709 1.334 104.136 1.728
201712 0.837 104.011 1.086
201803 1.476 105.290 1.891
201806 1.635 106.317 2.075
201809 1.757 106.507 2.226
201812 1.784 105.998 2.271
201903 1.903 107.251 2.394
201906 2.053 108.070 2.563
201909 2.143 108.329 2.669
201912 2.025 108.420 2.520
202003 -0.226 108.902 -0.280
202006 -1.066 108.767 -1.322
202009 2.080 109.815 2.556
202012 2.129 109.897 2.614
202103 4.234 111.754 5.112
202106 4.607 114.631 5.423
202109 3.009 115.734 3.508
202112 3.221 117.630 3.695
202203 3.832 121.301 4.262
202206 3.718 125.017 4.013
202209 3.596 125.227 3.875
202212 3.559 125.222 3.835
202303 3.269 127.348 3.464
202306 3.221 128.729 3.376
202309 2.071 129.860 2.152
202312 1.412 129.419 1.472
202403 2.990 131.776 3.061
202406 5.602 132.554 5.702
202409 2.991 133.029 3.034
202412 4.880 133.157 4.945
202503 3.931 134.927 3.931

Add all the adjusted EPS together and divide 10 will get our E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.


Discover Financial Services  (STU:DC7) Shiller PE Ratio Explanation

Compared with the regular PE Ratio, which works poorly for cyclical businesses, the Shiller PE Ratio smoothed out the fluctuations of profit margins during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Shiller PE Ratio should give similar results to regular PE Ratio.

Compared with the PS Ratio, the Shiller PE Ratio makes the comparison between different industries more meaningful.


Be Aware

Shiller PE Ratio assumes that over the long term, businesses and profitability revert to their means. If a company's business model does not work in the future compared with the past, Shiller PE Ratio and PS Ratio will give false valuations.


Discover Financial Services Shiller PE Ratio Related Terms

Thank you for viewing the detailed overview of Discover Financial Services's Shiller PE Ratio provided by GuruFocus.com. Please click on the following links to see related term pages.


Discover Financial Services Business Description

Address
2500 Lake Cook Road, Riverwoods, IL, USA, 60015
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 and 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.

Discover Financial Services Headlines

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