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Discover Financial Services DFS NYSE

NYSE • Financial Services • Financial - Credit Services • US • USD

SharesGrow Score
70/100
4/7 Pass
SharesGrow Intrinsic Value
N/A
Negative cash flow
Analyst Price Target
$204.00
+2%

Discover Financial Services (DFS) is a Financial - Credit Services company in the Financial Services sector, currently trading at $200.05. It has a SharesGrow Score of 70/100, indicating a above average investment profile with 4 out of 7 criteria passed.

Analyst consensus target is DFS = $204 (+2% upside).

Financials: revenue is $20.0B, +29.2%/yr average growth. Net income is $4.5B, growing at +0.7%/yr. Net profit margin is 22.7% (strong). Gross margin is 89.5% (-10.5 pp trend).

Balance sheet: total debt is $16.3B against $17.9B equity (Debt-to-Equity (D/E) ratio 0.91, moderate). Current ratio is 0.15 (tight liquidity). Debt-to-assets is 11%. Total assets: $147.6B.

Analyst outlook: 28 / 45 analysts rate DFS as buy (62%) — moderate consensus.

SharesGrow 7-Criteria breakdown: Value 72/100 (Pass), Growth 73/100 (Pass), Past 100/100 (Pass), Health 33/100 (Fail), Moat 69/100 (Partial), Future 55/100 (Partial), Income 85/100 (Pass).

$204.00
▲ 1.97% Upside
Average Price Target
Based on 45 Wall Street analysts offering 12-month price targets for Discover Financial Services, the average price target is $204.00, with a high forecast of $214.00, and a low forecast of $194.00.
Highest Price Target
$214.00
Average Price Target
$204.00
Lowest Price Target
$194.00

DFS SharesGrow Score Overview

70/100
SharesGrow Score
Above average fundamentals
View full scorecard →
VALUE 72/100
Valuation — P/E, PEG, Forward PEG
GROWTH 73/100
Financials — average growth
PAST 100/100
strong — trend
HEALTH 33/100
Balance sheet — Debt-to-Equity (D/E) ratio, Current ratio is
MOAT 69/100
Gross margin is + market cap
FUTURE 55/100
Analyst outlook — as buy
INCOME 85/100
Net profit margin is
Scores derived from financial statements, analyst ratings, and balance sheet data.

Score Breakdown — DFS

✓
VALUE Pass
72/100
DFS trades at a trailing Price-to-Earnings (P/E) of N/A (S&P 500 average ~25). Analyst consensus target is $204, implying +2% from the current price $200. Composite: Price-to-Earnings (20%) + Forward Price/Earnings-to-Growth (35%) + upside (25%) + trailing PEG (20%). ≥ 60 = Pass.
View details →
✓
GROWTH Pass
73/100
DFS: +29.2%/yr revenue is, +0.7%/yr Net income is average growth. mixed. Score: >20%/yr = 100, >10% = 80, >5% = 65, >0% = 45, < 0 = 15.
View details →
✓
PAST Pass
100/100
DFS: 4 / 4 years profitable. strong — 100%. Score = 4 / 4 × 100. ≥ 80 = Pass.
View details →
✗
HEALTH Fail
33/100
Balance sheet DFS: Debt-to-Equity (D/E) ratio 0.91 (moderate), Current ratio is 0.15 (tight liquidity). Debt-to-Equity < 0.5, Current Ratio > 1.5, Interest Coverage > 8x = ideal. ≥ 70 = Pass.
View details →
~
MOAT Partial
69/100
DFS: Gross margin is 89.5% (-10.5 pp trend), $50B market cap. Moat (0-100): margin (35%) + trend (15%) + market cap (30%) + revenue is (20%). Score 69/100. ≥ 70 = Pass.
View details →
~
FUTURE Partial
55/100
Analyst outlook: 28 / 45 analysts rate DFS as buy (62%). Analyst consensus target is $204 (+2% upside). Score: 60% buy consensus + 40% upside. ≥ 60 = Pass.
View details →
✓
INCOME Pass
85/100
DFS: Net profit margin is 22.7%. healthy (≥15%). Score: ≥30% = 100, ≥20% = 85, ≥15% = 70, ≥10% = 55, ≥5% = 45, ≥0% = 30, < 0 = 10.
View details →

Stock Chart & Stats

Market Data
52-Week Range119.95-207.42
Volume31.27M
Avg Volume (30D)2.91M
Market Cap$50.34B
Beta (1Y)1.15
Dividend Yield$2.8000
Share Statistics
EPS (TTM)17.71
Shares Outstanding$251M
IPO Date2007-06-14
Employees21,000
CEOJ. Michael Shepherd
Financial Highlights & Ratios
Revenue (TTM)$20.02B
Gross Profit$17.91B
Net Income$4.54B
Operating Income$17.68B
Total Cash$16.18B
Total Debt$16.25B
Net Debt$7.78B
Total Assets$147.64B
Price / Earnings (P/E)11.3
Price / Sales (P/S)2.51
Analyst Forecast
1Y Price Target$204.00
Target High$214.00
Target Low$194.00
Upside+2.0%
Rating ConsensusBuy
Analysts Covering45
Buy 62% Hold 38% Sell 0%
Company Info
CountryUS
ExchangeNYSE
CurrencyUSD
ISINUS2547091080

Price Chart

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DFS
Discover Financial Services ↗  ·  NYSE
Financial Services • Financial - Credit Services
119.95 52WK RANGE 207.42

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