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Discover Financial Services (DFS)

(Delayed Data from NYSE)

$125.67 USD

125.67
1,448,616

-3.35 (-2.60%)

Updated Apr 25, 2024 04:00 PM ET

After-Market: $125.51 -0.16 (-0.13%) 7:58 PM ET

Zacks Rank:

This is our short term rating system that serves as a timeliness indicator for stocks over the next 1 to 3 months. How good is it? See rankings and related performance below.

Zacks Rank Definition Annualized Return
1Strong Buy24.20%
2Buy18.04%
3Hold9.52%
4Sell5.20%
5Strong Sell2.60%
S&P50011.13%

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3-Hold of 5     3    

Style Scores:

The Style Scores are a complementary set of indicators to use alongside the Zacks Rank. It allows the user to better focus on the stocks that are the best fit for his or her personal trading style.

The scores are based on the trading styles of Value, Growth, and Momentum. There's also a VGM Score ('V' for Value, 'G' for Growth and 'M' for Momentum), which combines the weighted average of the individual style scores into one score.

Value Score A
Growth Score A
Momentum Score A
VGM Score A

Within each Score, stocks are graded into five groups: A, B, C, D and F. As you might remember from your school days, an A, is better than a B; a B is better than a C; a C is better than a D; and a D is better than an F.

As an investor, you want to buy stocks with the highest probability of success. That means you want to buy stocks with a Zacks Rank #1 or #2, Strong Buy or Buy, which also has a Score of an A or a B in your personal trading style.

Zacks Style Scores Education - Learn more about the Zacks Style Scores

A Value D Growth B Momentum B VGM

Industry Rank:

The Zacks Industry Rank assigns a rating to each of the 265 X (Expanded) Industries based on their average Zacks Rank.

An industry with a larger percentage of Zacks Rank #1's and #2's will have a better average Zacks Rank than one with a larger percentage of Zacks Rank #4's and #5's.

The industry with the best average Zacks Rank would be considered the top industry (1 out of 265), which would place it in the top 1% of Zacks Ranked Industries. The industry with the worst average Zacks Rank (265 out of 265) would place in the bottom 1%.

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Zacks Industry Rank Education -- Learn more about the Zacks Industry Rank

Bottom 18% (205 out of 251)

Industry: Financial - Consumer Loans

Zacks Premium FeatureView All Zacks #1 Ranked Stocks

Better trading starts here.

Balance Sheet

Research for DFS

The Zacks Equity Research reports, or ZER for short, are our in-house, independently produced research reports.

The ever popular one-page Snapshot reports are generated for virtually every single Zacks Ranked stock. It's packed with all of the company's key stats and salient decision making information. Including the Zacks Rank, Zacks Industry Rank, Style Scores, the Price, Consensus & Surprise chart, graphical estimate analysis and how a stocks stacks up to its peers.

The detailed multi-page Analyst report does an even deeper dive on the company's vital statistics. In addition to all of the proprietary analysis in the Snapshot, the report also visually displays the four components of the Zacks Rank (Agreement, Magnitude, Upside and Surprise); provides a comprehensive overview of the company business drivers, complete with earnings and sales charts; a recap of their last earnings report; and a bulleted list of reasons to buy or sell the stock. It also includes an industry comparison table to see how your stock compares to its expanded industry, and the S&P 500.

Researching stocks has never been so easy or insightful as with the ZER Analyst and Snapshot reports.

Learn more about Zacks Equity Research reports

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Fiscal Year End for Discover Financial Services falls in the month of December.

All items in Millions except Per Share data.

12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019
Assets          
Cash & Equivalents 11,728 8,897 11,332 13,589 6,964
Receivables 119,126 104,746 86,862 82,223 92,511
Notes Receivable 0 0 0 0 0
Inventories 0 0 0 0 0
Other Current Assets 0 0 0 0 0
Total Current Assets 130,854 113,643 98,194 95,812 99,475
Net Property & Equipment 1,091 1,003 983 1,027 1,057
Investments & Advances 13,655 12,208 6,904 12,114 10,595
Other Non-Current Assets 0 0 0 0 0
Deferred Charges 0 0 0 0 0
Intangibles 255 255 255 350 410
Deposits & Other Assets 5,667 4,519 3,906 3,586 2,459
Total Assets 151,522 131,628 110,242 112,889 113,996
Liabilities & Shareholders Equity 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019
Notes Payable 750 0 1,750 0 0
Accounts Payable 108,931 91,636 72,393 76,904 72,746
Current Portion Long-Term Debt 0 0 0 0 0
Current Portion Capital Leases 0 0 0 0 0
Accrued Expenses 6,432 5,294 4,214 3,860 3,690
Income Taxes Payable 0 0 0 0 0
Other Current Liabilities 0 0 0 0 0
Total Current Liabilities 116,113 96,930 78,357 80,764 76,436
Mortgages 0 0 0 0 0
Deferred Taxes/Income 0 0 0 0 0
Convertible Debt 0 0 0 0 0
Long-Term Debt 20,581 20,108 18,477 21,241 25,701
Non-Current Capital Leases 0 0 0 0 0
Other Non-Current Liabilities 0 0 0 0 0
Minority Interest (Liabilities) 0 0 0 0 0
Total Liabilities 136,694 117,038 96,834 102,005 102,137
Shareholders Equity 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019
Preferred Stock 1,056 1,056 1,056 1,056 563
Common Stock (Par) 6 6 6 6 6
Capital Surplus 4,553 4,468 4,369 4,257 4,206
Retained Earnings 30,448 28,453 24,766 19,955 21,290
Other Equity -225 -339 -94 45 -119
Treasury Stock 21,010 19,054 16,695 14,435 14,087
Total Shareholder's Equity 14,828 14,590 13,408 10,884 11,859
Total Liabilities & Shareholder's Equity 151,522 131,628 110,242 112,889 113,996
Total Common Equity 13,772 13,534 12,352 9,828 11,296
Shares Outstanding 250.00 273.20 293.00 306.50 313.40
Book Value Per Share 55.09 49.54 42.16 32.07 36.04

Fiscal Year End for Discover Financial Services falls in the month of December.

All items in Millions except Per Share data.

3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023
Assets          
Cash & Equivalents -72,034 11,728 9,233 8,644 10,163
Receivables 117,297 119,126 114,011 109,842 104,983
Notes Receivable NA 0 0 0 0
Inventories NA 0 0 0 0
Other Current Assets NA 0 0 0 0
Total Current Assets 145,262 130,854 123,244 118,486 115,146
Net Property & Equipment 1,107 1,091 1,084 1,053 1,031
Investments & Advances NA 13,655 13,336 13,466 12,248
Other Non-Current Assets NA 0 0 0 0
Deferred Charges NA 0 0 0 0
Intangibles 255 255 255 255 255
Deposits & Other Assets 6,065 5,667 5,513 4,822 4,381
Total Assets 152,689 151,522 143,432 138,082 133,061
Liabilities & Shareholders Equity 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023
Notes Payable 20,475 750 0 0 0
Accounts Payable 110,430 108,931 104,019 98,987 95,740
Current Portion Long-Term Debt NA 0 0 0 0
Current Portion Capital Leases NA 0 0 0 0
Accrued Expenses 7,064 6,432 5,710 4,963 4,843
Income Taxes Payable NA 0 0 0 0
Other Current Liabilities NA 0 0 0 0
Total Current Liabilities 137,969 116,113 109,729 103,950 100,583
Mortgages NA 0 0 0 0
Deferred Taxes/Income NA 0 0 0 0
Convertible Debt NA 0 0 0 0
Long-Term Debt NA 20,581 19,467 20,276 18,163
Non-Current Capital Leases NA 0 0 0 0
Other Non-Current Liabilities NA 0 0 0
Minority Interest (Liabilities) NA 0 0 0 0
Total Liabilities 137,969 136,694 129,196 124,226 118,746
Shareholders Equity 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023
Preferred Stock NA 1,056 1,056 1,056 1,056
Common Stock (Par) NA 6 6 6 6
Capital Surplus NA 4,553 4,520 4,508 4,493
Retained Earnings NA 30,448 30,236 29,761 29,292
Other Equity NA -225 -573 -470 -235
Treasury Stock NA 21,010 21,009 21,005 20,297
Total Shareholder's Equity 14,720 14,828 14,236 13,856 14,315
Total Liabilities & Shareholder's Equity 152,689 151,522 143,432 138,082 133,061
Total Common Equity 114,719 13,772 13,180 12,800 13,259
Shares Outstanding 250.50 250.00 250.00 249.90 253.90
Book Value Per Share 457.96 55.09 52.72 51.22 52.22