DFS:NYE-Discover Financial Services

EQUITY | Credit Services | New York Stock Exchange

Last Closing

USD 73.66

Change

+0.50 (+0.68)%

Market Cap

USD 26.55B

Volume

1.49M

Analyst Target

USD 77.68
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: 2019-03-18 )

Largest Industry Peers for Credit Services

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

+0.91 (+0.33%)

USD 569.26B
MA Mastercard Inc

-0.32 (-0.07%)

USD 424.83B
AXP American Express Company

+0.16 (+0.07%)

USD 171.88B
COF Capital One Financial Corporat..

+0.97 (+0.66%)

USD 54.59B
SYF Synchrony Financial

+2.16 (+5.04%)

USD 16.91B
ALLY Ally Financial Inc

+0.05 (+0.13%)

USD 12.07B
OBDC Blue Owl Capital Corporation

+0.07 (+0.44%)

USD 5.88B
OMF OneMain Holdings Inc

+0.89 (+1.77%)

USD 5.83B
LU Lufax Holding Ltd

+0.19 (+4.36%)

USD 4.89B
WU Western Union Co

+0.19 (+1.42%)

USD 4.43B

ETFs Containing DFS

MNA IQ Merger Arbitrage ETF 6.21 % 0.76 %

-0.09 (0.05%)

USD 0.28B
SHRY First Trust Bloomberg Sha.. 5.25 % 0.00 %

+0.02 (+0.05%)

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

N/A

N/A
IPAY ETFMG Prime Mobile Paymen.. 4.84 % 0.75 %

-0.27 (0.05%)

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

-0.03 (0.05%)

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

-3.15 (0.05%)

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

-0.06 (0.05%)

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

N/A

USD 0.02B
RDVI 2.09 % 0.00 %

N/A

N/A
SMOT 1.44 % 0.00 %

N/A

N/A
AVMV Avantis U.S. Mid Cap Valu.. 1.32 % 0.00 %

+0.10 (+0.05%)

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

+0.09 (+0.05%)

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

+0.25 (+0.05%)

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

+0.10 (+0.05%)

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

-0.10 (0.05%)

USD 0.27B
BUZ 0.00 % 0.75 %

N/A

N/A
FTXO First Trust Nasdaq Bank E.. 0.00 % 0.60 %

+0.19 (+0.05%)

USD 0.11B
SPYB 0.00 % 0.35 %

N/A

N/A
TTFS 0.00 % 0.90 %

N/A

N/A
EEA:PA BNP Paribas Easy FTSE EPR.. 0.00 % 0.00 %

-0.12 (0.05%)

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

-0.09 (0.05%)

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

-0.03 (0.05%)

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

-0.02 (0.05%)

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

-0.46 (0.05%)

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

-0.11 (0.05%)

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

-0.09 (0.05%)

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 24.89% 78% C+ 87% B+
Dividend Return 0.68% 37% F 35% F
Total Return 25.57% 78% C+ 87% B+
Trailing 12 Months  
Capital Gain -3.76% 49% F 43% F
Dividend Return 2.03% 46% F 36% F
Total Return -1.74% 49% F 41% F
Trailing 5 Years  
Capital Gain 28.82% 59% D- 72% C
Dividend Return 10.77% 67% D+ 37% F
Total Return 39.59% 53% F 66% D+
Average Annual (5 Year Horizon)  
Capital Gain 5.35% 66% D+ 68% D+
Dividend Return 7.34% 63% D 64% D
Total Return 1.99% 48% F 40% F
Risk Return Profile  
Volatility (Standard Deviation) 17.86% 54% F 41% F
Risk Adjusted Return 41.10% 40% F 52% F
Market Capitalization 26.55B 87% B+ 93% 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 42% 61%
Price/Book Ratio 2.33 30% 33%
Price / Cash Flow Ratio 1.18 24% 75%
Price/Free Cash Flow Ratio 5.10 29% 67%
Management Effectiveness  
Return on Equity 24.98% 76% 87%
Return on Invested Capital N/A N/A N/A
Return on Assets 2.61% 55% 52%
Debt to Equity Ratio 256.25% 40% 12%

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 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 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.

Positive free cash flow

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

Superior Dividend Growth

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

What to not like:
Poor risk adjusted returns

This company is delivering below median risk adjusted returns in its peers. Even if it is outperforming on returns , the returns are unpredictable. Proceed with caution.

Highly leveraged

The company is in the bottom half compared to its sector peers on debt to equity and is highly leveraged. However, do check the news and look at its sector and management statements. Sometimes this is high because the company is trying to grow aggressively.

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.

Overpriced on free cash flow basis

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

Low Earnings Growth

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

Low Revenue Growth

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