Discover Financial Services Stock Analysis
| DFS Stock | USD 162.51 3.63 2.18% |
Discover Financial Services is fairly valued with Real Value of 163.8 and Target Price of 189.62. The main objective of Discover Financial stock analysis is to determine its intrinsic value, which is an estimate of what Discover Financial Services is worth, separate from its market price. There are two main types of Discover Financial's stock analysis: fundamental analysis and technical analysis.
The Discover Financial stock is traded in the USA on New York Stock Exchange, with the market opening at 09:30:00 and closing at 16:00:00 every Mon,Tue,Wed,Thu,Fri except for officially observed holidays in the USA. Discover Financial is usually not traded on Thanksgiving Day, Christmas Day, New Year 's Day, National Mourning Day, Dr . Martin Luther King Jr 's Birthday, Washington 's Birthday, Good Friday, Memorial Day, Juneteenth Holiday, Independence Day, Labour Day. Discover Stock trading window is adjusted to America/New York timezone.
Discover |
Discover Stock Analysis Notes
About 85.0% of the company shares are held by institutions such as insurance companies. The book value of Discover Financial was currently reported as 67.12. The company has Price/Earnings To Growth (PEG) ratio of 2.79. Discover Financial recorded earning per share (EPS) of 17.35. The entity last dividend was issued on the 20th of February 2025. The firm had 1:5 split on the January 31, 2014. Discover Financial Services, through its subsidiaries, provides digital banking products and services, and payment services in the United States. The company was incorporated in 1960 and is based in Riverwoods, Illinois. Discover Financial operates under Credit Services classification in the United States and is traded on New York Stock Exchange. It employs 16700 people. To learn more about Discover Financial Services call Michael Rhodes at 224 405 0900 or check out https://www.discover.com.Discover Financial Quarterly Total Revenue |
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Discover Financial Investment Alerts
| Discover Financial generated a negative expected return over the last 90 days | |
| Over 85.0% of the company shares are held by institutions such as insurance companies | |
| On 6th of March 2025 Discover Financial paid $ 0.7 per share dividend to its current shareholders | |
| Latest headline from benzinga.com: Market Whales and Their Recent Bets on DFS Options |
Discover Financial Upcoming and Recent Events
| 17th of April 2024 Upcoming Quarterly Report | View | |
| 17th of July 2024 Next Financial Report | View | |
| 31st of March 2024 Next Fiscal Quarter End | View | |
| 15th of January 2025 Next Fiscal Year End | View | |
| 31st of December 2023 Last Quarter Report | View | |
| 31st of December 2023 Last Financial Announcement | View |
Discover Largest EPS Surprises
Earnings surprises can significantly impact Discover Financial's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate.
| Reported | Fiscal Date | Estimated EPS | Reported EPS | Surprise | |||
|---|---|---|---|---|---|---|---|
2009-12-17 | 2009-09-30 | 0.14 | 0.12 | -0.02 | 14 | ||
2007-12-20 | 2007-09-30 | 0.36 | 0.4 | 0.04 | 11 | ||
2008-06-26 | 2008-03-31 | 0.37 | 0.42 | 0.05 | 13 |
Discover Financial Environmental, Social, and Governance (ESG) Scores
Discover Financial's ESG score is a quantitative measure that evaluates Discover Financial's performance and commitment regarding environmental, social, and governance (ESG) factors. These scores are becoming increasingly crucial in investment decision-making processes, providing insights into non-financial aspects of Discover Financial's operations that may have significant financial implications and affect Discover Financial's stock price as well as guide investors towards more socially responsible investments.
Discover Financial Thematic Classifications
In addition to having Discover Financial stock in your portfolios, you can add positions using our predefined set of ideas and optimize them against your very unique investing style. A single investing idea is a collection of funds, stocks, ETFs, or cryptocurrencies that are programmatically selected from a pull of investment themes. After you determine your favorite investment opportunity, you can then obtain an optimal portfolio that will maximize potential returns on the chosen idea or minimize its exposure to market volatility. If you are a result-oriented investor, you can benefit from optimizing one of our existing themes to build an efficient portfolio against your specific investing outlook.
 | BanksAll money banks and credit services | |
 | FinTechA collection of large financial service, investment, and banking companies |
Discover Stock Institutional Investors
Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
| Shares | Northern Trust Corp | 2024-12-31 | 2.7 M | Brave Warrior Advisors Llc | 2024-12-31 | 2.5 M | Jpmorgan Chase & Co | 2024-12-31 | 2.2 M | Ubs Group Ag | 2024-12-31 | 2.1 M | Ubs Asset Mgmt Americas Inc | 2024-12-31 | 2.1 M | C2p Capital Advisory Group Llc Dba Prosperity Capital Advisors | 2024-12-31 | 2 M | Balyasny Asset Management Llc | 2024-12-31 | 1.9 M | Bank Of America Corp | 2024-12-31 | 1.9 M | Arrowstreet Capital Limited Partnership | 2024-12-31 | 1.9 M | Vanguard Group Inc | 2024-12-31 | 31 M | Blackrock Inc | 2024-12-31 | 21.8 M |
Discover Market Capitalization
The company currently falls under 'Large-Cap' category with a total capitalization of 42.69 B.Discover Profitablity
The company has Net Profit Margin of 0.35 %, which implies that it may need a different competitive strategy as even a very small decline in it revenue may erase profits and result in a net loss. This is way below average. In the same way, it shows Net Operating Margin of 0.51 %, which entails that for every 100 dollars of revenue, it generated $0.51 of operating income.| Last Reported | Projected for Next Year | ||
| Return On Tangible Assets | 0.03 | 0.02 | |
| Return On Capital Employed | 0.44 | 0.23 | |
| Return On Assets | 0.03 | 0.02 | |
| Return On Equity | 0.25 | 0.17 |
Management Efficiency
Discover Financial has Return on Asset of 0.0303 % which means that on every $100 spent on assets, it made $0.0303 of profit. This is way below average. In the same way, it shows a return on shareholders' equity (ROE) of 0.282 %, implying that it generated $0.282 on every 100 dollars invested. Discover Financial's management efficiency ratios could be used to measure how well Discover Financial manages its routine affairs as well as how well it operates its assets and liabilities. Return On Tangible Assets is likely to drop to 0.02 in 2025. Return On Capital Employed is likely to drop to 0.23 in 2025. At this time, Discover Financial's Non Current Assets Total are comparatively stable compared to the past year. Other Current Assets is likely to gain to about 4.5 B in 2025, whereas Other Assets are likely to drop slightly above 9.9 B in 2025.| Last Reported | Projected for Next Year | ||
| Book Value Per Share | 71.42 | 74.99 | |
| Tangible Book Value Per Share | 70.40 | 73.92 | |
| Enterprise Value Over EBITDA | 5.50 | 6.88 | |
| Price Book Value Ratio | 2.43 | 1.74 | |
| Enterprise Value Multiple | 5.50 | 6.88 | |
| Price Fair Value | 2.43 | 1.74 | |
| Enterprise Value | 16.2 B | 14.4 B |
The strategic decisions made by Discover Financial management significantly impact its financial stability and market performance. Evaluating these factors helps determine whether the stock is a worthwhile investment.
Technical Drivers
As of the 27th of March, Discover Financial shows the Downside Deviation of 2.9, coefficient of variation of 15428.28, and Mean Deviation of 1.87. Discover Financial technical analysis allows you to utilize historical prices and volume patterns in order to determine a pattern that computes the direction of the firm's future prices. Please confirm Discover Financial variance, value at risk, as well as the relationship between the Value At Risk and skewness to decide if Discover Financial is priced favorably, providing market reflects its regular price of 162.51 per share. Given that Discover Financial has jensen alpha of 0.0098, we urge you to verify Discover Financial Services's prevailing market performance to make sure the company can sustain itself at a future point.Discover Financial Price Movement Analysis
The output start index for this execution was nineteen with a total number of output elements of fourty-two. The Bollinger Bands is very popular indicator that was developed by John Bollinger. It consist of three lines. Discover Financial middle band is a simple moving average of its typical price. The upper and lower bands are (N) standard deviations above and below the middle band. The bands widen and narrow when the volatility of the price is higher or lower, respectively. The upper and lower bands can also be interpreted as price targets for Discover Financial. When the price bounces off of the lower band and crosses the middle band, then the upper band becomes the price target.
Discover Financial Insider Trading Activities
Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Discover Financial insiders, such as employees or executives, is commonly permitted as long as it does not rely on Discover Financial's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases Discover Financial insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
Discover Financial Outstanding Bonds
Discover Financial issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. Discover Financial uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most Discover bonds can be classified according to their maturity, which is the date when Discover Financial Services has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.
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Discover Financial Predictive Daily Indicators
Discover Financial intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of Discover Financial stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.
| Accumulation Distribution | 0.002 | |||
| Daily Balance Of Power | (11.00) | |||
| Rate Of Daily Change | 0.98 | |||
| Day Median Price | 162.68 | |||
| Day Typical Price | 162.62 | |||
| Market Facilitation Index | 0.33 | |||
| Price Action Indicator | (1.98) | |||
| Period Momentum Indicator | (3.63) | |||
| Relative Strength Index | 43.07 |
Discover Financial Corporate Filings
8K | 14th of March 2025 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
10K | 7th of March 2025 An amendment to a previously filed Form 10-K | ViewVerify |
10K | 20th of February 2025 Annual report required by the U.S. Securities and Exchange Commission (SEC) of a company financial performance | ViewVerify |
8K | 18th of February 2025 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
8K | 14th of February 2025 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
| 10th of February 2025 Other Reports | ViewVerify | |
| 5th of February 2025 Other Reports | ViewVerify | |
F4 | 4th of February 2025 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
Discover Financial Forecast Models
Discover Financial's time-series forecasting models are one of many Discover Financial's stock analysis techniques aimed at predicting future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary Discover Financial's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.About Discover Stock Analysis
Stock analysis is the technique used by a trader or investor to examine and evaluate how Discover Financial prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling Discover shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Stock such as Discover Financial. By using and applying Discover Stock analysis, traders can create a robust methodology for identifying Discover entry and exit points for their positions.
| Last Reported | Projected for Next Year | ||
| Pretax Profit Margin | 0.30 | 0.29 | |
| Operating Profit Margin | 0.88 | 0.62 | |
| Net Profit Margin | 0.23 | 0.19 | |
| Gross Profit Margin | 0.75 | 0.96 |
Current Discover Analysis - Recommendations
We track the performance of the top 100 financial experts across various large and mid-size financial boutiques. Discover analyst recommendations are determined by taking all analyst recommendations and averaging them as Strong Buy, Buy, Hold, Strong Sell or Sell. There is no one specific way to measure analysis performance other than comparing it to the past results via a very sophisticated attribution analysis. Discover analyst consensus and target price projections should be used in combination with other traditional techniques such as stock price forecasting, technical analysis, earnings estimate, and various momentum models.
| Target Price | Advice | # of Analysts | |
| 189.62 | Buy | 17 | Odds |
Most Discover analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to helps potential investors understand Discover stock's fair price compared to its market value. Analysts arrive at stock ratings after researching public financial statements of Discover Financial, talking to its executives and customers, or listening to Discover conference calls.
Discover Stock Analysis Indicators
Discover Financial Services stock analysis indicators help investors evaluate how Discover Financial stock reacts to ongoing and evolving market conditions. The investors can use it to make informed decisions about market timing and determine when trading Discover Financial shares will generate the highest return on investment. By understating and applying Discover Financial stock analysis, traders can identify Discover Financial position entry and exit signals to maximize returns.
| Begin Period Cash Flow | 11.7 B | |
| Long Term Debt | 16.3 B | |
| Common Stock Shares Outstanding | 251 M | |
| Total Stockholder Equity | 17.9 B | |
| Tax Provision | 1.5 B | |
| Quarterly Earnings Growth Y O Y | 2.51 | |
| Property Plant And Equipment Net | 1.1 B | |
| Cash And Short Term Investments | 16.2 B | |
| Cash | 8.5 B | |
| Net Debt | 7.8 B | |
| 50 Day M A | 185.0802 | |
| Total Current Liabilities | 107 B | |
| Other Operating Expenses | 2.3 B | |
| Non Current Assets Total | 131.5 B | |
| Forward Price Earnings | 12.5628 | |
| Non Currrent Assets Other | -3.3 B |
Additional Tools for Discover Stock Analysis
When running Discover Financial's price analysis, check to measure Discover Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Discover Financial is operating at the current time. Most of Discover Financial's value examination focuses on studying past and present price action to predict the probability of Discover Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Discover Financial's price. Additionally, you may evaluate how the addition of Discover Financial to your portfolios can decrease your overall portfolio volatility.