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Discover Financial Services

Financial Services Credit Services
PortfolioPortfolio WatchlistWatchlist
Company price
None USD 0.00(0%)
Last update at 2025-06-16T13:05:31.908537Z
Market Cap
27796.45M
P/E
8.22

Momentum Score

…

Discover Financial Services, through its subsidiaries, provides digital banking products and services, and payment services in the United States. It operates in two segments, Digital Banking and Payment Services. The Digital Banking segment offers Discover-branded credit cards to individuals; private student loans, personal loans, home loans, and other consumer lending; and direct-to-consumer deposit products comprising savings accounts, certificates of deposit, money market accounts, IRA certificates of deposit, IRA savings accounts and checking accounts, and sweep accounts. The Payment Services segment operates the PULSE, an automated teller machine, debit, and electronic funds transfer network; and Diners Club International, a payments network that issues Diners Club branded charge cards and/or provides card acceptance services, as well as offers payment transaction processing and settlement services. The company was incorporated in 1960 and is based in Riverwoods, Illinois.

Source: TradingView
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52 Week Price Range
78.40
Low
120.56
High

Momentum Score

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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High

Key Metrics*

Previous Close
-
Dividend Yield
2.43%
Revenue TTM
10437.00M
Revenue Per Share
40.30
Gross Profit TTM
10465.00M
Debt / Equity
1.38
ROE
25.21%
Net Debt
-997.00M
ROCE
5.79%
Diluted EPS TTM
13.50

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Income before tax 5742.00M 7064.00M 1435.00M 3835.00M 3597.00M
Net income 4392.00M 5449.00M 1141.00M 2957.00M 2742.00M
Selling general administrative 2139.00M 1986.00M 1894.00M 1738.00M 1627.00M
Selling and marketing expenses 1035.00M 810.00M 659.00M 883.00M 857.00M
Gross profit 13337.00M 12087.00M 11088.00M 11459.00M 10709.00M
Reconciled depreciation 561.00M 531.00M 485.00M 436.00M 435.00M
Ebit 7607.00M 7064.00M 1435.00M 3835.00M 5736.00M
Ebitda 8168.00M 7595.00M 1920.00M 4271.00M 6171.00M
Depreciation and amortization 561.00M 531.00M 485.00M 436.00M 435.00M
Operating income 7607.00M 7064.00M 1435.00M 3835.00M 5736.00M
Other operating expenses 1906.00M -5023.00M 1957.00M 2118.00M 9251.00M
Interest expense 1865.00M 1134.00M 1865.00M 2530.00M 2139.00M
Tax provision 1350.00M 1615.00M 294.00M 878.00M 855.00M
Interest income 12864.00M 10651.00M 11095.00M 11993.00M 10893.00M
Net interest income 10999.00M 9517.00M 9230.00M 9463.00M 8754.00M
Income tax expense 1350.00M 1615.00M 294.00M 878.00M 855.00M
Total revenue 13337.00M 12087.00M 11088.00M 11459.00M 10709.00M
Total operating expenses 1906.00M -5023.00M 1957.00M 2118.00M 9251.00M
Cost of revenue - - - 409.00M 350.00M
Total other income expense net -1865.00M -1134.00M -1865.00M -2530.00M -2139.00M
Net income from continuing ops 4392.00M 5449.00M 1141.00M 2957.00M 2742.00M
Net income applicable to common shares 4304.00M 5351.00M 1104.00M 2957.00M 2689.00M
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Total assets 131628.00M 110242.00M 112889.00M 113996.00M 109553.00M
Intangible assets - 0.00M 95.00M 155.00M 161.00M
Earning assets - 6904.00M 12114.00M 10595.00M 3370.00M
Other current assets -11826.00M 2582.00M 82229.00M 2743.00M 1195.00M
Total liab 117038.00M 96834.00M 21241.00M 25701.00M 98423.00M
Total stockholder equity 14590.00M 13408.00M 10884.00M 11859.00M 11130.00M
Deferred long term liab 32.00M 33.00M 33.00M 24.00M 23.00M
Other current liab 91636.00M -1250.00M 1024.00M 81683.00M 77706.00M
Common stock 6.00M 6.00M 6.00M 6.00M 6.00M
Capital stock 1062.00M 1062.00M 1062.00M 569.00M 569.00M
Retained earnings 28453.00M 24766.00M 19955.00M 21290.00M 18906.00M
Other liab 212.00M 198.00M 227.00M 199.00M 144.00M
Good will 255.00M 255.00M 255.00M 255.00M 255.00M
Other assets 107599.00M 80932.00M 70090.00M 83500.00M 2175.00M
Cash 21105.00M 18236.00M 25703.00M 17559.00M 18515.00M
Total current liabilities 225.00M 1250.00M 1024.00M 81683.00M 77706.00M
Net debt -997.00M 1991.00M -4462.00M 8142.00M 8713.00M
Short term debt 225.00M 1250.00M 1024.00M 5247.00M 6511.00M
Short long term debt 0.00M 1250.00M 0.00M 5247.00M 6511.00M
Short long term debt total 20108.00M 20227.00M 21241.00M 25701.00M 27228.00M
Other stockholder equity -14586.00M -12326.00M -10178.00M -9881.00M -8189.00M
Property plant equipment 1003.00M 983.00M 1027.00M 1057.00M 509.00M
Total current assets 10563.00M 21166.00M 29308.00M 18434.00M 14494.00M
Long term investments 12208.00M 6906.00M 12114.00M 92511.00M 3370.00M
Net tangible assets 13279.00M 13153.00M 9478.00M 10886.00M 9724.00M
Short term investments 1707.00M 2016.00M 2661.00M 875.00M 3370.00M
Net receivables 104746.00M 914.00M 944.00M 92511.00M 87471.00M
Long term debt 20108.00M 18977.00M 21241.00M 25701.00M 27228.00M
Inventory - - - - -87471.00M
Accounts payable 5294.00M 72393.00M 3860.00M 3690.00M 3436.00M
Accumulated other comprehensive income -339.00M -94.00M 45.00M -119.00M -156.00M
Common stock total equity 6.00M 6.00M 6.00M 6.00M 6.00M
Preferred stock total equity 1056.00M 1056.00M 1056.00M 563.00M 563.00M
Retained earnings total equity 28453.00M 24766.00M 19955.00M 21290.00M 18906.00M
Treasury stock -19054.00M -16695.00M -14435.00M -14087.00M -12319.00M
Non currrent assets other -13466.00M -8144.00M -13491.00M -12062.00M 88162.00M
Non current assets total 13466.00M 8144.00M 13491.00M 12062.00M 92884.00M
Long term debt total 20108.00M 18477.00M 21241.00M 25701.00M 27228.00M
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Investments -25410.00M 234.00M 1775.00M -14990.00M -10325.00M
Change to liabilities 1080.00M 410.00M 136.00M 209.00M -549.00M
Total cashflows from investing activities -25637.00M 40.00M 1514.00M -15274.00M -10579.00M
Net borrowings -94.00M -896.00M -4792.00M -1714.00M 796.00M
Total cash from financing activities 16062.00M -8316.00M -1085.00M 897.00M 7146.00M
Change to operating activities 234.00M -86.00M 254.00M 7.00M -556.00M
Net income 4392.00M 5449.00M 1141.00M 2957.00M 2742.00M
Change in cash -2435.00M -2257.00M 6625.00M -8181.00M 1758.00M
Begin period cash flow 11332.00M 13589.00M 6964.00M 15145.00M 13387.00M
End period cash flow 8897.00M 11332.00M 13589.00M 6964.00M 15145.00M
Total cash from operating activities 7140.00M 6019.00M 6196.00M 6196.00M 5191.00M
Issuance of capital stock 10.00M 9.00M 503.00M 7.00M 6.00M
Depreciation 561.00M 531.00M 485.00M 436.00M 435.00M
Other cashflows from investing activities -25401.00M 234.00M 1775.00M -14990.00M -10325.00M
Dividends paid 703.00M 636.00M 576.00M 573.00M 552.00M
Sale purchase of stock -2359.00M -2260.00M -348.00M -1768.00M -2065.00M
Other cashflows from financing activities 24343.00M -1056.00M 5115.00M 9804.00M 15960.00M
Change to netincome 2318.00M 420.00M 4636.00M 3217.00M 2973.00M
Capital expenditures 236.00M 194.00M 261.00M 284.00M 254.00M
Cash flows other operating -1211.00M -791.00M -202.00M -623.00M -410.00M
Cash and cash equivalents changes -2435.00M -2257.00M 6625.00M -8181.00M 1758.00M
Change in working capital 234.00M -86.00M 254.00M 7.00M -556.00M
Stock based compensation - -459.00M 4788.00M 69.00M 81.00M
Other non cash items 2380.00M 257.00M 200.00M 2735.00M 2494.00M
Free cash flow 6904.00M 5825.00M 5935.00M 5912.00M 4937.00M

Peer Comparison*

Sector: Financial Services Industry: Credit Services

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
V
Visa Inc. Class A		 0.88
0.21%		 426.43 31.25 25.97 16.18 13.64
MA
Mastercard Inc		 0.82
0.12%		 661.55 31.59 24.88 14.31 89.68
AXP
American Express Company		 -1.18
0.37%		 321.93 21.46 18.83 3.38 6.76
COF
Capital One Financial Corporation		 -0.13
0.07%		 196.98 11.39 8.75 2.64 1.11

Profile*

Discover Financial Services

Discover Financial Services, through its subsidiaries, provides digital banking products and services, and payment services in the United States. It operates in two segments, Digital Banking and Payment Services. The Digital Banking segment offers Discover-branded credit cards to individuals; private student loans, personal loans, home loans, and other consumer lending; and direct-to-consumer deposit products comprising savings accounts, certificates of deposit, money market accounts, IRA certificates of deposit, IRA savings accounts and checking accounts, and sweep accounts. The Payment Services segment operates the PULSE, an automated teller machine, debit, and electronic funds transfer network; and Diners Club International, a payments network that issues Diners Club branded charge cards and/or provides card acceptance services, as well as offers payment transaction processing and settlement services. The company was incorporated in 1960 and is based in Riverwoods, Illinois.

2500 Lake Cook Road, Riverwoods, IL, United States, 60015

224 405 0900

https://www.discover.com

20200

Name Title Year Born
Mr. Roger Crosby Hochschild CEO, Pres & Director 1965
Mr. John Thomas Greene Exec. VP & CFO 1966
Mr. Carlos M. Minetti Exec. VP & Pres of Consumer Banking 1963
Ms. Diane E. Offereins Exec. VP & Pres of Payment Services 1958
Mr. Daniel Peter Capozzi Exec. VP & Pres of US Cards 1972
Ms. Shifra Kolsky Chief Accounting Officer, Sr. VP & Controller NA
Mr. Amir S. Arooni Exec. VP & Chief Information Officer 1965
Mr. R. Andrew Eichfeld Exec. VP and Chief HR & Admin. Officer 1970
Mr. Eric Edmund Wasserstrom Head of Investor Relations NA
Ms. Leslie Sutton VP of Corp. Communications NA

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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