Discover Financial Services Stock Analysis
| DFS Stock | USD 119.89 0.32 0.27% |
Discover Financial Services is undervalued with Real Value of 138.64 and Target Price of 101.94. The main objective of Discover Financial stock analysis is to determine its intrinsic value, which is an estimate of what Discover Financial Services is worth, separate from its market price. There are two main types of Discover Financial's stock analysis: fundamental analysis and technical analysis. Fundamental analysis focuses on the financial and economic factors that affect Discover Financial's performance, such as revenue growth, earnings, and financial stability. Technical analysis, on the other hand, focuses on the price and volume data of Discover Financial's stock to identify patterns and trends that may indicate its future price movements.
The Discover Financial stock is traded in the USA on New York Stock Exchange, with the market opening at 09:30:00 and closing at 16:00:00 every Mon,Tue,Wed,Thu,Fri except for officially observed holidays in the USA. Discover Financial is usually not traded on Thanksgiving Day, Christmas Day, New Year 's Day, Dr . Martin Luther King Jr 's Birthday, Washington 's Birthday, Good Friday, Memorial Day, Juneteenth Holiday, Independence Day, Labour Day. Discover Stock trading window is adjusted to America/New York timezone. Here, you can get updates on important government artifacts, including earning estimates, SEC corporate filings, announcements, and Discover Financial's ongoing operational relationships across important fundamental and technical indicators.
Discover |
Discover Stock Analysis Notes
About 89.0% of the company shares are held by institutions such as insurance companies. The book value of Discover Financial was currently reported as 55.07. The company recorded earning per share (EPS) of 11.26. Discover Financial last dividend was issued on the 21st of February 2024. The entity had 1:5 split on the January 31, 2014. Discover Financial Services, through its subsidiaries, provides digital banking products and services, and payment services in the United States. The company was incorporated in 1960 and is based in Riverwoods, Illinois. Discover Financial operates under Credit Services classification in the United States and is traded on New York Stock Exchange. It employs 16700 people. To learn more about Discover Financial Services call Michael Rhodes at 224 405 0900 or check out https://www.discover.com.Discover Financial Quarterly Total Revenue |
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Discover Financial Investment Alerts
Many investors view ongoing market volatility as an opportunity to purchase more stocks at a favorable price or short it to generate a bearish trend profit opportunity. If you are one of those investors, make sure you clearly understand the position you are entering. Discover Financial's investment alerts are automatically generated signals that are significant enough to either complement your investing judgment regarding Discover Financial Services or challenge it. These alerts can help you understand what you are buying and avoid costly mistakes.
| Over 89.0% of the company shares are held by institutions such as insurance companies | |
| On 7th of March 2024 Discover Financial paid $ 0.7 per share dividend to its current shareholders | |
| Latest headline from zacks.com: Discover Reports Q1 Earnings What Key Metrics Have to Say |
Discover Financial Upcoming and Recent Events
Earnings reports are used by Discover Financial to provide an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. Every quarterly earnings report provides investors with three things: an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to Discover Financial previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.
| 17th of April 2024 Upcoming Quarterly Report | View | |
| 17th of July 2024 Next Financial Report | View | |
| 31st of March 2024 Next Fiscal Quarter End | View | |
| 15th of January 2025 Next Fiscal Year End | View | |
| 31st of December 2023 Last Quarter Report | View | |
| 31st of December 2023 Last Financial Announcement | View |
Discover Largest EPS Surprises
Earnings surprises can significantly impact Discover Financial's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate.
| Reported | Fiscal Date | Estimated EPS | Reported EPS | Surprise | |||
|---|---|---|---|---|---|---|---|
2009-12-17 | 2009-09-30 | 0.14 | 0.12 | -0.02 | 14 | ||
2007-12-20 | 2007-09-30 | 0.36 | 0.4 | 0.04 | 11 | ||
2008-06-26 | 2008-03-31 | 0.37 | 0.42 | 0.05 | 13 |
Discover Financial Thematic Classifications
In addition to having Discover Financial stock in your portfolios, you can add positions using our predefined set of ideas and optimize them against your very unique investing style. A single investing idea is a collection of funds, stocks, ETFs, or cryptocurrencies that are programmatically selected from a pull of investment themes. After you determine your favorite investment opportunity, you can then obtain an optimal portfolio that will maximize potential returns on the chosen idea or minimize its exposure to market volatility. If you are a result-oriented investor, you can benefit from optimizing one of our existing themes to build an efficient portfolio against your specific investing outlook.
 | FinTechA collection of large financial service, investment, and banking companies |
Discover Stock Institutional Investors
Have you ever been surprised when a price of an equity instrument such as Discover Financial is soaring high without any particular reason? This is usually happening because many institutional investors are aggressively trading Discover Financial Services backward and forwards among themselves. Discover Financial's institutional investor refers to the entity that pools money to purchase Discover Financial's securities or originate loans. Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
| Shares | Barclays Plc | 2023-12-31 | 2.5 M | Northern Trust Corp | 2023-12-31 | 2.5 M | Brave Warrior Advisors Llc | 2023-09-30 | 2.4 M | Amvescap Plc. | 2023-12-31 | 2.3 M | Southpoint Capital Advisors Lp | 2023-12-31 | 2.2 M | Envestnet Asset Management Inc | 2023-12-31 | 2.1 M | Bank Of New York Mellon Corp | 2023-12-31 | 2.1 M | Legal & General Group Plc | 2023-12-31 | 2.1 M | First Trust Advisors L.p. | 2023-12-31 | 2 M | Vanguard Group Inc | 2023-12-31 | 32.3 M | Capital World Investors | 2023-12-31 | 20.6 M |
Discover Market Capitalization
The company currently falls under 'Large-Cap' category with a total capitalization of 29.96 B. Market capitalization usually refers to the total value of a company's stock within the entire market. To calculate Discover Financial's market, we take the total number of its shares issued and multiply it by Discover Financial's current market price. To manage market risk and economic uncertainty, many investors today build portfolios that are diversified across equities with different market capitalizations. However, as a general rule, conservative investors tend to hold large-cap stocks, and those looking for more risk prefer small-cap and mid-cap equities.Discover Profitablity
Discover Financial's profitability indicators refer to fundamental financial ratios that showcase Discover Financial's ability to generate income relative to its revenue or operating costs. If, let's say, Discover Financial is currently losing money, the management's focus should be on how to reverse that trend. However, when revenue exceeds expenses, Discover Financial's executives or investors may be in less hurry to break that information down - which is where profitability analysis comes into play. Gaining a greater understanding of Discover Financial's profitability requires more research than a typical breakdown of Discover Financial's financial statements. By doing a profitability analysis, companies can identify areas needing attention, and investors can make a profitable trade.
The company has Net Profit Margin of 0.3 %, which implies that it may need a different competitive strategy as even a very small decline in it revenue may erase profits and result in a net loss. This is way below average. In the same way, it shows Net Operating Margin of 0.28 %, which entails that for every 100 dollars of revenue, it generated $0.28 of operating income. | Last Reported | Projected for Next Year | ||
| Return On Tangible Assets | 0.02 | 0.02 | |
| Return On Capital Employed | 0.12 | 0.17 | |
| Return On Assets | 0.02 | 0.02 | |
| Return On Equity | 0.20 | 0.16 |
Management Efficiency
Discover Financial has Return on Asset of 0.0208 % which means that on every $100 spent on assets, it made $0.0208 of profit. This is way below average. In the same way, it shows a return on shareholders' equity (ROE) of 0.2016 %, implying that it generated $0.2016 on every 100 dollars invested. Discover Financial's management efficiency ratios could be used to measure how well Discover Financial manages its routine affairs as well as how well it operates its assets and liabilities. At this time, Discover Financial's Return On Tangible Assets are comparatively stable compared to the past year. Return On Capital Employed is likely to gain to 0.17 in 2024, whereas Return On Equity is likely to drop 0.16 in 2024. At this time, Discover Financial's Other Assets are comparatively stable compared to the past year. Non Current Assets Total is likely to gain to about 155.5 B in 2024, whereas Total Current Assets are likely to drop slightly above 3.3 B in 2024.| Last Reported | Projected for Next Year | ||
| Book Value Per Share | 58.38 | 61.30 | |
| Net Current Asset Value | 0.00 | 0.00 | |
| Tangible Asset Value | 0.00 | 0.00 | |
| Tangible Book Value Per Share | 57.37 | 41.14 | |
| Enterprise Value Over EBITDA | 227.35 | 238.72 | |
| Price Book Value Ratio | 1.93 | 1.72 | |
| Enterprise Value Multiple | 227.35 | 238.72 | |
| Price Fair Value | 1.93 | 1.72 | |
| Enterprise Value | 16.2 B | 14.4 B |
The analysis of Discover Financial's management efficiency is an essential part of evaluating and assessing the financial and operational performance of the entity. It is also vital to analyze Discover Financial's future growth prospects and the overall market conditions to determine the value and potential of its stock. The analysis involves studying a range of financial metrics such as revenue, earnings, profit margins, cash flow, debt, market share, and external factors such as economic trends, industry outlook, competition, and government regulations. The goal of Discover Stock analysis is to determine whether it is undervalued, fairly valued, or overvalued and to make informed investment decisions.
Dividend Yield 0.0234 | Forward Dividend Yield 0.0234 | Forward Dividend Rate 2.8 | Beta 1.436 |
Technical Drivers
As of the 17th of April 2024, Discover Financial shows the Mean Deviation of 1.43, downside deviation of 2.5, and Coefficient Of Variation of 1415.65. Discover Financial technical analysis allows you to utilize historical prices and volume patterns in order to determine a pattern that computes the direction of the firm's future prices. Put another way, you can use this information to find out if the firm will indeed mirror its model of historical prices and volume momentum, or the prices will eventually revert. We were able to analyze and collect data for nineteen technical drivers for Discover Financial Services, which can be compared to its peers. Please confirm Discover Financial variance, value at risk, as well as the relationship between the Value At Risk and skewness to decide if Discover Financial is priced favorably, providing market reflects its regular price of 119.89 per share. Given that Discover Financial has jensen alpha of 0.13, we urge you to verify Discover Financial Services's prevailing market performance to make sure the company can sustain itself at a future point.Discover Financial Price Movement Analysis
The output start index for this execution was twenty-three with a total number of output elements of thirty-eight. The Bollinger Bands is very popular indicator that was developed by John Bollinger. It consist of three lines. Discover Financial middle band is a simple moving average of its typical price. The upper and lower bands are (N) standard deviations above and below the middle band. The bands widen and narrow when the volatility of the price is higher or lower, respectively. The upper and lower bands can also be interpreted as price targets for Discover Financial. When the price bounces off of the lower band and crosses the middle band, then the upper band becomes the price target.
Discover Financial Insider Trading Activities
Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Discover Financial insiders, such as employees or executives, is commonly permitted as long as it does not rely on Discover Financial's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases Discover Financial insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
Michael Shepherd over two weeks ago Acquisition by Michael Shepherd of 44443 shares of Discover Financial subject to Rule 16b-3 | ||
Blair Carolyn D over three weeks ago Acquisition by Blair Carolyn D of 11629 shares of Discover Financial subject to Rule 16b-3 | ||
Blair Carolyn D over three weeks ago Insider Trading | ||
Keith Toney over six months ago Acquisition by Keith Toney of 4235 shares of Discover Financial subject to Rule 16b-3 | ||
Mark Thierer over six months ago Acquisition by Mark Thierer of 1774 shares of Discover Financial subject to Rule 16b-3 | ||
Keith Toney over a year ago Acquisition by Keith Toney of 7047 shares of Discover Financial subject to Rule 16b-3 |
Discover Financial Outstanding Bonds
Discover Financial issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. Discover Financial uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most Discover bonds can be classified according to their maturity, which is the date when Discover Financial Services has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.
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Discover Financial Predictive Daily Indicators
Discover Financial intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of Discover Financial stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.
| Accumulation Distribution | 26014.12 | |||
| Daily Balance Of Power | 0.1768 | |||
| Rate Of Daily Change | 1.0 | |||
| Day Median Price | 120.58 | |||
| Day Typical Price | 120.35 | |||
| Price Action Indicator | (0.52) | |||
| Period Momentum Indicator | 0.32 | |||
| Relative Strength Index | 51.81 |
Discover Financial Corporate Filings
8K | 17th of April 2024 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
F4 | 16th of April 2024 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
F4 | 3rd of April 2024 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
| 2nd of April 2024 Other Reports | ViewVerify | |
8K | 27th of March 2024 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
F3 | 22nd of March 2024 The report used by insiders such as officers, directors, and major shareholders (beneficial owners holding more than 10% of any class of the company's equity securities) to declare their ownership of a company's stock | ViewVerify |
| 21st of March 2024 Other Reports | ViewVerify | |
| 15th of March 2024 Other Reports | ViewVerify |
Discover Financial Forecast Models
Discover Financial's time-series forecasting models are one of many Discover Financial's stock analysis techniques aimed at predicting future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary Discover Financial's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.About Discover Stock Analysis
Stock analysis is the technique used by a trader or investor to examine and evaluate how Discover Financial prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling Discover shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Stock such as Discover Financial. By using and applying Discover Stock analysis, traders can create a robust methodology for identifying Discover entry and exit points for their positions.
| Last Reported | Projected for Next Year | ||
| Pretax Profit Margin | 0.19 | 0.28 | |
| Operating Profit Margin | 0.83 | 0.62 | |
| Net Profit Margin | 0.14 | 0.18 | |
| Gross Profit Margin | 0.90 | 0.73 |
Current Discover Analysis - Recommendations
We track the performance of the top 100 financial experts across various large and mid-size financial boutiques. Discover analyst recommendations are determined by taking all analyst recommendations and averaging them as Strong Buy, Buy, Hold, Strong Sell or Sell. There is no one specific way to measure analysis performance other than comparing it to the past results via a very sophisticated attribution analysis. Discover analyst consensus and target price projections should be used in combination with other traditional techniques such as stock price forecasting, technical analysis, earnings estimate, and various momentum models.
| Target Price | Advice | # of Analysts | |
| 101.94 | Buy | 16 | Odds |
Most Discover analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to helps potential investors understand Discover stock's fair price compared to its market value. Analysts arrive at stock ratings after researching public financial statements of Discover Financial, talking to its executives and customers, or listening to Discover conference calls.
Discover Stock Analysis Indicators
Discover Financial Services stock analysis indicators help investors evaluate how Discover Financial stock reacts to ongoing and evolving market conditions. The investors can use it to make informed decisions about market timing and determine when trading Discover Financial shares will generate the highest return on investment. By understating and applying Discover Financial stock analysis, traders can identify Discover Financial position entry and exit signals to maximize returns.
| Begin Period Cash Flow | 8.9 B | |
| Long Term Debt | 20.6 B | |
| Common Stock Shares Outstanding | 254 M | |
| Total Stockholder Equity | 14.8 B | |
| Tax Provision | 1.1 B | |
| Quarterly Earnings Growth Y O Y | -0.588 | |
| Property Plant And Equipment Net | 1.1 B | |
| Cash And Short Term Investments | 13.8 B | |
| Cash | 11.7 B | |
| Net Debt | 9.6 B | |
| 50 Day M A | 120.5282 | |
| Total Current Liabilities | 6.2 B | |
| Other Operating Expenses | 16.6 B | |
| Non Current Assets Total | 148.1 B | |
| Forward Price Earnings | 10.8342 | |
| Non Currrent Assets Other | 133.4 B | |
| Stock Based Compensation | -374 M |
Check out Investing Opportunities to better understand how to build diversified portfolios, which includes a position in Discover Financial Services. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in census. Note that the Discover Financial information on this page should be used as a complementary analysis to other Discover Financial's statistical models used to find the right mix of equity instruments to add to your existing portfolios or create a brand new portfolio. You can also try the Sign In To Macroaxis module to sign in to explore Macroaxis' wealth optimization platform and fintech modules.
Complementary Tools for Discover Stock analysis
When running Discover Financial's price analysis, check to measure Discover Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Discover Financial is operating at the current time. Most of Discover Financial's value examination focuses on studying past and present price action to predict the probability of Discover Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Discover Financial's price. Additionally, you may evaluate how the addition of Discover Financial to your portfolios can decrease your overall portfolio volatility.
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Is Discover Financial's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Discover Financial. If investors know Discover will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Discover Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth (0.59) | Dividend Share 2.7 | Earnings Share 11.26 | Revenue Per Share 38.748 | Quarterly Revenue Growth (0.19) |
The market value of Discover Financial is measured differently than its book value, which is the value of Discover that is recorded on the company's balance sheet. Investors also form their own opinion of Discover Financial's value that differs from its market value or its book value, called intrinsic value, which is Discover Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Discover Financial's market value can be influenced by many factors that don't directly affect Discover Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Discover Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if Discover Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Discover Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.