DFS:NYE-Discover Financial Services (USD)

EQUITY | Credit Services | New York Stock Exchange

Last Closing

USD 122

Change

-0.33 (-0.27)%

Market Cap

USD 26.55B

Volume

1.38M

Analyst Target

USD 61.45
Analyst Rating

Verdict

ducovest Verdict

Verdict

About

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.

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2024-06-14 )

Largest Industry Peers for Credit Services

Symbol Name Price(Change) Market Cap
V Visa Inc. Class A

N/A

USD 554.88B
MA Mastercard Inc

N/A

USD 416.57B
AXP American Express Company

N/A

USD 164.94B
COF Capital One Financial Corporat..

N/A

USD 51.06B
SYF Synchrony Financial

N/A

USD 17.45B
ALLY Ally Financial Inc

N/A

USD 12.17B
OBDC Blue Owl Capital Corporation

N/A

USD 6.55B
OMF OneMain Holdings Inc

N/A

USD 5.80B
WU Western Union Co

N/A

USD 4.10B
NNI Nelnet Inc

N/A

USD 3.62B

ETFs Containing DFS

MNA IQ Merger Arbitrage ETF 6.34 % 0.76 %

N/A

USD 0.26B
IPAY:AU BetaShares Future of Paym.. 5.17 % 0.00 %

-0.06 (-0.32%)

N/A
IPAY ETFMG Prime Mobile Paymen.. 5.14 % 0.75 %

N/A

USD 0.34B
BPAY BlackRock Future Financia.. 5.02 % 0.00 %

N/A

USD 4.99M
EEA:PA BNP Paribas Easy FTSE EPR.. 4.01 % 0.00 %

-0.11 (-0.32%)

USD 0.07B
EEE:PA BNP Paribas Easy FTSE EPR.. 4.01 % 0.00 %

-0.09 (-0.32%)

USD 0.19B
EEAA:F BNP Paribas Easy - FTSE E.. 4.01 % 0.00 %

N/A

USD 0.20B
IM2A:F BNP Paribas Easy - FTSE E.. 4.01 % 0.00 %

+0.02 (+-0.32%)

USD 0.19B
EEAA:XETRA BNP Paribas Easy FTSE EPR.. 4.01 % 0.00 %

-0.10 (-0.32%)

USD 0.20B
IM2A:XETRA BNP Paribas Easy - FTSE E.. 4.01 % 0.00 %

-0.08 (-0.32%)

USD 0.20B
DXSF:XETRA Xtrackers - Stoxx Europe .. 3.55 % 0.00 %

-0.01 (-0.32%)

USD 0.08B
DPGA:XETRA Legal & General UCITS ETF.. 3.38 % 0.00 %

-0.03 (-0.32%)

USD 0.02B
DPAY:SW Legal & General UCITS ETF.. 3.38 % 0.00 %

-0.03 (-0.32%)

USD 0.01B
DPAG:LSE Legal & General UCITS ETF.. 3.37 % 0.00 %

-4.85 (-0.32%)

USD 0.01B
DPAY:LSE Legal & General UCITS ETF.. 3.37 % 0.00 %

-0.04 (-0.32%)

USD 0.01B
SMTV:LSE VanEck Morningstar US SMI.. 1.44 % 0.00 %

-0.05 (-0.32%)

USD 7.12M
AVMV Avantis U.S. Mid Cap Valu.. 1.25 % 0.00 %

N/A

USD 0.02B
WTV WisdomTree Trust - Wisdom.. 1.03 % 0.00 %

N/A

USD 0.31B
SSPY Syntax Stratified LargeCa.. 0.72 % 0.00 %

N/A

USD 0.09B
AVMC Avantis U.S. Mid Cap Equi.. 0.61 % 0.00 %

N/A

USD 0.02B
DBND DoubleLine Opportunistic .. 0.49 % 0.00 %

N/A

USD 0.27B
BUZ 0.00 % 0.75 %

N/A

N/A
SPYB 0.00 % 0.35 %

N/A

N/A
TTFS 0.00 % 0.90 %

N/A

N/A

Market Performance

  Market Performance vs. Industry/Classification (Credit Services) Market Performance vs. Exchange (New York Stock Exchange)
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain 8.54% 79% B- 75% C
Dividend Return 1.25% 18% F 42% F
Total Return 9.79% 60% D- 74% C
Trailing 12 Months  
Capital Gain 5.79% 56% F 55% F
Dividend Return 2.43% 24% F 37% F
Total Return 8.22% 39% F 51% F
Trailing 5 Years  
Capital Gain 57.52% 68% D+ 76% C+
Dividend Return 14.10% 42% F 53% F
Total Return 71.62% 64% D 77% C+
Average Annual (5 Year Horizon)  
Capital Gain 22.77% 85% B 86% B+
Dividend Return 25.21% 85% B 86% B+
Total Return 2.44% 27% F 52% F
Risk Return Profile  
Volatility (Standard Deviation) 60.36% 24% F 14% F
Risk Adjusted Return 41.76% 71% C- 64% D
Market Capitalization 26.55B 88% B+ 92% A

Key Financial Ratios

  Ratio vs. Industry/Classification (Credit Services) Ratio vs. Market (New York Stock Exchange)
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 12.00 36% 61%
Price/Book Ratio 2.20 22% 38%
Price / Cash Flow Ratio 3.59 38% 69%
Price/Free Cash Flow Ratio N/A N/A N/A
Management Effectiveness  
Return on Equity 15.71% 72% 75%
Return on Invested Capital 45.80% 95% 97%
Return on Assets 1.60% 51% 39%
Debt to Equity Ratio 138.80% 58% 24%

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
Superior capital utilization

The company management has delivered better return on invested capital in the most recent 4 quarters than its peers, placing it in the top quartile.

High dividend returns

The stock has outperformed its sector peers on average annual dividend returns basis in the past 5 years (for a hold period of at least 12 months) and is in the top quartile. This can be a good buy, especially if it is outperforming on total return basis , for investors seeking high income yields.

High market capitalization

This is one of the largest entities in its sector and is among the top quartile. Such companies tend to be more stable.

Positive cash flow

The company had positive total cash flow in the most recent four quarters.

Superior Revenue Growth

This stock has shown top quartile revenue growth in the previous 5 years compared to its sector.

What to not like:
Overpriced on cashflow basis

The stock is trading high compared to its peers on a price to cash flow basis. It is priced above the median for its sectors. Proceed with caution if you are considering to buy.

Overpriced compared to book value

The stock is trading high compared to its peers median on a price to book value basis.

Overpriced compared to earnings

The stock is trading high compared to its peers on a price to earning basis and is above the sector median.

Below median total returns

The company has under performed its peers on annual average total returns in the past 5 years.

High volatility

The total returns for this company are volatile and above median for its sector over the past 5 years. Make sure you have the risk tolerance for investing in such stock.

Low Dividend Growth

This stock has shown below median dividend growth in the previous 5 years compared to its sector.