DFS:NYE-Discover Financial Services (USD)

EQUITY | Credit Services | New York Stock Exchange

Last Closing

USD 128

Change

+2.58 (+2.06)%

Market Cap

USD 26.55B

Volume

1.42M

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: 2024-03-27 )

Largest Industry Peers for Credit Services

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

N/A

USD 569.26B
MA Mastercard Inc

N/A

USD 424.83B
AXP American Express Company

N/A

USD 169.50B
COF Capital One Financial Corporat..

N/A

USD 54.59B
SYF Synchrony Financial

N/A

USD 16.91B
ALLY Ally Financial Inc

N/A

USD 11.95B
OBDC Blue Owl Capital Corporation

N/A

USD 6.00B
OMF OneMain Holdings Inc

N/A

USD 5.83B
LU Lufax Holding Ltd

N/A

USD 4.89B
WU Western Union Co

N/A

USD 4.43B

ETFs Containing DFS

SHRY First Trust Bloomberg Sha.. 5.25 % 0.00 %

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USD 0.02B
IPAY:AU BetaShares Future of Paym.. 4.95 % 0.00 %

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IPAY ETFMG Prime Mobile Paymen.. 4.84 % 0.75 %

N/A

USD 0.34B
DPGA:XETRA Legal & General UCITS ETF.. 3.34 % 0.00 %

N/A

USD 0.02B
DPAG:LSE Legal & General UCITS ETF.. 3.28 % 0.00 %

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USD 0.02B
DPAY:LSE Legal & General UCITS ETF.. 3.28 % 0.00 %

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USD 0.02B
DPAY:SW Legal & General UCITS ETF.. 3.22 % 0.00 %

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USD 0.02B
RDVI 2.09 % 0.00 %

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RSPF Invesco S&P 500 Equal Wei.. 1.46 % 0.00 %

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USD 0.28B
SMOT 1.44 % 0.00 %

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AVMV Avantis U.S. Mid Cap Valu.. 1.32 % 0.00 %

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USD 0.02B
WTV WisdomTree Trust - Wisdom.. 1.00 % 0.00 %

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USD 0.29B
SSPY Syntax Stratified LargeCa.. 0.71 % 0.00 %

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USD 0.09B
AVMC Avantis U.S. Mid Cap Equi.. 0.63 % 0.00 %

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USD 0.01B
DBND DoubleLine Opportunistic .. 0.49 % 0.00 %

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USD 0.27B
BUZ 0.00 % 0.75 %

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MNA IQ Merger Arbitrage ETF 0.00 % 0.76 %

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USD 0.28B
FTXO First Trust Nasdaq Bank E.. 0.00 % 0.60 %

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USD 0.11B
SPYB 0.00 % 0.35 %

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TTFS 0.00 % 0.90 %

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EEA:PA BNP Paribas Easy FTSE EPR.. 0.00 % 0.00 %

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USD 0.06B
EEE:PA BNP Paribas Easy FTSE EPR.. 0.00 % 0.00 %

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USD 0.13B
EEAA:F BNP Paribas Easy - FTSE E.. 0.00 % 0.00 %

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

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USD 0.13B
DXSF:XETRA Xtrackers - Stoxx Europe .. 0.00 % 0.00 %

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USD 0.08B
EEAA:XETRA BNP Paribas Easy FTSE EPR.. 0.00 % 0.00 %

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

N/A

USD 0.20B

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 13.88% 74% C 85% B
Dividend Return 0.62% 24% F 37% F
Total Return 14.50% 70% C- 85% B
Trailing 12 Months  
Capital Gain 31.04% 67% D+ 82% B
Dividend Return 2.87% 28% F 41% F
Total Return 33.91% 71% C- 82% B
Trailing 5 Years  
Capital Gain 79.88% 73% C 81% B-
Dividend Return 14.92% 44% F 58% F
Total Return 94.80% 69% C- 82% B
Average Annual (5 Year Horizon)  
Capital Gain 18.83% 85% B 84% B
Dividend Return 21.25% 83% B 84% B
Total Return 2.41% 36% F 54% F
Risk Return Profile  
Volatility (Standard Deviation) 62.45% 27% F 14% F
Risk Adjusted Return 34.02% 76% C+ 60% D-
Market Capitalization 26.55B 89% A- 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 47% 73%
Price/Book Ratio 2.19 24% 38%
Price / Cash Flow Ratio 3.52 37% 69%
Price/Free Cash Flow Ratio N/A N/A N/A
Management Effectiveness  
Return on Equity 20.16% 77% 82%
Return on Invested Capital 45.80% 97% 97%
Return on Assets 2.08% 57% 45%
Debt to Equity Ratio 138.80% 56% 23%

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 risk adjusted returns

This stock has performed well, on a risk adjusted basis, compared to its sector peers(for a hold period of at least 12 months) and is in the top quartile.

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.

Superior return on equity

The company management has delivered better return on equity 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.