Discover Financial Services DFS NYSE

Discover Financial Services (DFS) reported moderate year-over-year revenue growth of +4.2% through 2025-03 (TTM revenue vs prior-year TTM). Net income showed exceptional earnings expansion of +114.5% YoY, reaching $1.1B in the latest quarter. The net profit margin is 20.1%, which is high. The company has maintained profitability in all 4 quarters. The gross margin is 88% (high), down 12pp vs the prior year. With a $50B market cap, MOAT composite score of 69/100 (moderate competitive position).

Criteria proven by this page:

• GROWTH (73/100, Partial) — growth is present but not consistently above 5% across both metrics
• PAST (100/100, Pass) — proving consistent earnings. Looking at the full 22-year annual history, the company was profitable in 22 of 22 years — a perfect long-term track record
• INCOME (85/100, Pass) — proves strong profitability and pricing power
• MOAT (69/100, Partial) — some competitive advantages are present but not dominant

Overall SharesGrow Score: 70/100 with 4/7 criteria passed.