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Insights for Discover Financial Services
New York Stock Exchange: DFS
01 - Creme De La Creme
Sector: Financial Services & Legal
Industry: Credit Cards & Payment Gateways
Based on PEG Ratio: 03 - Over Valued
Today's Price
updated on: 		184.86 (-1.39%)
Open 186.73 (-1.0%)
High (Upside %) 189.0 (2.24%)
Low (Downside %) 184.705 (0.08%)
P. Close 187.46 (-1.39%)
Open-High % 1.22%
Open-Low % 1.08%
Low-High % 2.33%
Previous Data

DFS is a Stock listed in the US on the New York Stock Exchange under the ticker 'DFS'

Company Summary

Business Units or Product Lines

Discover Financial Services operates primarily through three segments: Direct Banking, Payment Services, and Credit Card. The Direct Banking segment offers consumer banking products such as personal loans, student loans, and home equity loans. Payment Services encompasses the Discover Network, PULSE, and Diners Club International, enabling payment processing and international card issuance. The Credit Card segment focuses on U.S. consumer credit card issuance and associated financial services.

Business Models for Each Product Line

In the Direct Banking segment, Discover generates revenue through interest income from personal and student loans, fees, and servicing of financial products. In the Payment Services division, revenue comes from transaction fees from merchants and payment processing fees through the Discover Network and PULSE. The Credit Card segment generates revenue mainly through interest charged on outstanding credit card balances, interchange fees from merchants on card transactions, and other card-related fees. Major expense categories for Discover include loan-loss provisions, operating expenses, and marketing and promotional costs.

Future Opportunities for Growth

Potential opportunities for growth for Discover Financial Services include expanding its direct banking products to attract more loans and deposits, leveraging technology to enhance digital banking and payment platforms, expanding international acceptance of its cards, and growing its presence in the Buy Now, Pay Later (BNPL) market. Additionally, fostering strategic partnerships with fintech and enhancing data analytics capabilities to improve customer experience remain significant growth avenues.

Potential Major Risks

Major risks include rising interest rates, which could impact borrowing costs and consumer default rates. Regulatory changes in the financial services industry could affect Discover's business operations. Increased competition from both traditional financial institutions and fintech companies poses a competitive threat. Additionally, cybersecurity risks, including data breaches, could compromise customer data and affect Discover's reputation and operations.

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Also read: https://finance.yahoo.com/DFS/profile

Basic Stats
Market Cap-Display Market Cap-Actual Market Cap Enterprise Value-Display Trailing P/E Forward P/E PEG Ratio (5yr expected) Price/Sales Price/Book Enterprise Value/Revenue Profit Margin Operating Margin Return on Assets Return on Equity Revenue-Display Revenue-Actual Revenue Quarterly Revenue Growth EBITDA-Display Diluted EPS Quarterly Earnings Growth Total Cash-Display Total Cash-Actual Total Cash Total Debt-Display Total Debt-Actual Total Debt Total Debt/Equity Current Ratio Operating Cash Flow-Display Operating Cash Flow-Actual Operating Cash Flow Levered Free Cash Flow-Display % Held by Insiders % Held by Institutions
40.16 B 40160000000.0 40.16 nan B 9.01 11.82 3.69 2.24 2.38 3.21 34.89% 51.28% 3.03% 28.20% 13.0 B 13000000000.0 13.0 56.60% nan B 17.72 252.70% 8.47 B 8470000000.0 8.47 16.25 B 16250000000.0 16.25 0.9067000000000001 1.02 8.42 B 8420000000.0 8.42 nan B 0.15% 87.23%

source:https://finance.yahoo.com/DFS/key-statistics

Reading Information

source:https://finance.yahoo.com/DFS/key-statistics

source:https://www.google.com/finance/quote/DFS:NYSE

source:https://finance.yahoo.com/DFS/analysis

source:https://finance.yahoo.com/DFS/fair-value

source:https://www.nasdaq.com/market-activity/stocks/DFS/price-earnings-peg-ratios

Upside-Downside Spread
Key Weighted 5D 1M 3M 6M 1Y 3Y 10Y
Upside % (high) 5.41% 2.24% (189) 2.24% (189) 11.31% (205.76) 11.31% (205.76) 11.31% (205.76) 11.31% (205.76) 11.31% (205.76)
Downside % (low) 22.24% 12.57% (161.63) 24.32% (139.895) 24.32% (139.895) 24.32% (139.895) 35.11% (119.95) 57.24% (79.04) 87.42% (23.25)
Spread % -16.83% -10.33% -22.08% -13.02% -13.02% -23.81% -45.94% -76.12%

DFS's price used for computing the stats is 184.86 as on date

Cumulative Return Percent
Key Today 5D 2W 1M 3M 6M 1Y 3Y 10Y
Last Price-Trend PrevClose 0.0% 15.81% 16.54% 8.96% -2.32% 25.49% 43.04% 55.58% 210.74%
Last Price 184.86 184.86 184.86 184.86 184.86 184.86 184.86 184.86 184.86
Trend-Previous Close 184.86 159.63 158.62 169.66 189.26 147.31 129.24 118.82 59.49

DFS's symbol cumulative return percent is computed basis data from date

Return Velocity
5D 2W 1M 3M 6M 1Y
5D window
Metric Mean Median Stdev
Overall 12.18% 179.08 11.58% 178.12 5.83% 165.11 193.05
Up 12.51% 179.6 11.58% 178.12 6.12% 164.93 194.26
Down -0.92% 158.16 -0.46% 158.89 1.09% 155.56 160.77
5D Opportunity: SELL-APPROACHING
returns: 15.81% (21.7%), p.close: 159.63
entry: 194.26, exit: 193.05, min.ret: 0.63%
Using: 5D trend, 0 Days Left
Metric Mean Median Stdev
Overall 7.33% 171.33 7.43% 171.48 7.85% 152.55 190.12
Up 10.82% 176.9 12.41% 179.44 6.94% 160.29 193.52
Down -1.63% 157.02 -0.96% 158.1 2.58% 150.84 163.2
5D Opportunity: SELL-APPROACHING
returns: 15.81% (21.23%), p.close: 159.63
entry: 193.52, exit: 190.12, min.ret: 1.75%
Using: 5D trend, 0 Days Left
Metric Mean Median Stdev
Overall 1.83% 162.55 0.57% 160.54 8.3% 142.68 182.42
Up 7.18% 171.09 5.58% 168.54 6.14% 156.37 185.8
Down -4.61% 152.27 -2.36% 155.86 5.02% 140.25 164.3
5D Opportunity: SELL-APPROACHING
returns: 15.81% (16.39%), p.close: 159.63
entry: 185.8, exit: 182.42, min.ret: 1.82%
Using: 5D trend, 0 Days Left
Metric Mean Median Stdev
Overall -0.11% 159.46 -0.51% 158.82 7.0% 142.69 176.23
Up 4.23% 166.39 2.84% 164.17 4.81% 154.88 177.9
Down -4.26% 152.83 -2.68% 155.35 4.51% 142.03 163.63
5D Opportunity: SELL-ACTIVE
returns: 15.81% (11.44%), p.close: 159.63
entry: 177.9, exit: 176.23, min.ret: 0.94%
Using: 5D trend, 0 Days Left
Metric Mean Median Stdev
Overall 1.0% 161.22 0.24% 160.02 6.45% 145.77 176.67
Up 4.09% 166.15 2.29% 163.29 5.12% 153.89 178.42
Down -3.01% 154.82 -1.75% 156.83 3.61% 146.18 163.46
5D Opportunity: SELL-ACTIVE
returns: 15.81% (11.77%), p.close: 159.63
entry: 178.42, exit: 176.67, min.ret: 0.98%
Using: 5D trend, 0 Days Left
Metric Mean Median Stdev
Overall 0.85% 160.99 0.38% 160.23 5.55% 147.7 174.27
Up 3.45% 165.14 2.12% 163.01 4.22% 155.02 175.25
Down -2.49% 155.66 -1.47% 157.28 3.26% 147.86 163.46
5D Opportunity: SELL-ACTIVE
returns: 15.81% (9.79%), p.close: 159.63
entry: 175.25, exit: 174.27, min.ret: 0.56%
Using: 5D trend, 0 Days Left
2W window
Metric Mean Median Stdev
Overall 4.73% 166.13 4.36% 165.53 11.22% 139.43 192.83
Up 10.19% 174.79 10.28% 174.93 7.04% 158.04 191.54
Down -7.2% 147.2 -7.94% 146.03 6.17% 132.51 161.89
2W Opportunity: SELL-APPROACHING
returns: 16.54% (20.75%), p.close: 158.62
entry: 191.54, exit: 192.83, min.ret: -0.68%
Using: 2W trend, 0 Days Left
Metric Mean Median Stdev
Overall 1.76% 161.41 0.25% 159.02 9.73% 138.25 184.57
Up 8.13% 171.51 6.91% 169.58 5.3% 158.89 184.13
Down -6.99% 147.54 -7.11% 147.34 5.39% 134.71 160.37
2W Opportunity: SELL-ACTIVE
returns: 16.54% (16.08%), p.close: 158.62
entry: 184.13, exit: 184.57, min.ret: -0.24%
Using: 2W trend, 0 Days Left
Metric Mean Median Stdev
Overall -0.65% 157.59 -1.4% 156.4 9.78% 134.33 180.86
Up 5.59% 167.48 3.83% 164.7 5.32% 154.83 180.13
Down -6.84% 147.78 -5.44% 150.0 5.94% 133.63 161.92
2W Opportunity: SELL-ACTIVE
returns: 16.54% (13.56%), p.close: 158.62
entry: 180.13, exit: 180.86, min.ret: -0.4%
Using: 2W trend, 0 Days Left
Metric Mean Median Stdev
Overall 1.65% 161.24 1.46% 160.94 8.77% 140.37 182.12
Up 5.96% 168.07 3.91% 164.82 6.34% 153.0 183.14
Down -4.57% 151.37 -3.01% 153.85 4.93% 139.65 163.09
2W Opportunity: SELL-ACTIVE
returns: 16.54% (15.46%), p.close: 158.62
entry: 183.14, exit: 182.12, min.ret: 0.56%
Using: 2W trend, 0 Days Left
Metric Mean Median Stdev
Overall 1.49% 160.99 1.68% 161.28 7.31% 143.6 178.37
Up 5.23% 166.91 3.93% 164.86 5.17% 154.62 179.2
Down -3.68% 152.78 -2.45% 154.73 4.34% 142.45 163.1
2W Opportunity: SELL-ACTIVE
returns: 16.54% (12.98%), p.close: 158.62
entry: 179.2, exit: 178.37, min.ret: 0.46%
Using: 2W trend, 0 Days Left
1M window
Metric Mean Median Stdev
Overall -4.0% 162.88 -3.28% 164.1 9.15% 139.6 186.16
Up 6.22% 180.21 7.04% 181.61 4.62% 168.45 191.97
Down -13.21% 147.24 -12.78% 147.98 5.36% 133.6 160.88
1M Opportunity: SELL-APPROACHING
returns: 8.96% (13.15%), p.close: 169.66
entry: 191.97, exit: 186.16, min.ret: 3.03%
Using: 1M trend, 0 Days Left
Metric Mean Median Stdev
Overall -1.61% 166.93 -2.18% 165.96 12.58% 134.92 198.94
Up 7.64% 182.62 7.25% 181.96 6.24% 166.75 198.5
Down -10.31% 152.18 -8.5% 155.23 7.88% 132.11 172.24
1M Opportunity: SELL-APPROACHING
returns: 8.96% (17.0%), p.close: 169.66
entry: 198.5, exit: 198.94, min.ret: -0.22%
Using: 1M trend, 0 Days Left
Metric Mean Median Stdev
Overall 3.49% 175.58 3.22% 175.12 12.32% 144.22 206.93
Up 9.6% 185.95 7.45% 182.3 8.26% 164.94 206.97
Down -6.59% 158.48 -4.23% 162.48 6.89% 140.96 176.0
1M Opportunity:
returns: 8.96% (21.99%), p.close: 169.66
entry: 206.97, exit: 206.93, min.ret: 0.02%
Using: 1M trend, 0 Days Left
Metric Mean Median Stdev
Overall 2.87% 174.53 1.9% 172.89 9.81% 149.58 199.49
Up 8.06% 183.33 6.9% 181.37 6.93% 165.7 200.95
Down -5.37% 160.55 -3.49% 163.74 5.73% 145.96 175.14
1M Opportunity: SELL-APPROACHING
returns: 8.96% (18.45%), p.close: 169.66
entry: 200.95, exit: 199.49, min.ret: 0.73%
Using: 1M trend, 0 Days Left

DFS's symbol current price is 184.86 (0.0%) as on . Yesterday's close was 184.86. It's return velocities are computed basis data from date .

Win Percent
Key Weighted 5D 1M 3M 6M 1Y 3Y
Open-High (> 1.0%) 68.62% 80.0% 63.64% 62.12% 53.03% 47.62% 51.32%
Open-Low (> 1.0%) 62.21% 60.0% 68.18% 62.12% 56.82% 51.19% 47.49%
Open-Close-Up (> 0.5%) 41.07% 40.0% 40.91% 43.94% 40.91% 39.29% 39.15%
Open-Close-Down (> 0.5%) 33.55% 20.0% 45.45% 39.39% 42.42% 39.29% 36.77%
Low-Close-Up (> 1.0%) 75.43% 80.0% 77.27% 72.73% 59.85% 55.16% 52.65%
High-Close-Down (> 1.0%) 70.79% 80.0% 68.18% 63.64% 60.61% 53.17% 49.21%

DFS's symbol win percent is computed basis data from date

Associated Tags