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Discover Financial Services (DFS)
The export includes the complete available history of financial statements and ratios. Numbers are provided in full, without million or billion abbreviations, in their original reporting units.
CSV downloads as a ZIP archive with one file for each report and frequency.
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Discover Financial Services Financial Ratios 2024-2006 | DFS
Brief overview of Discover Financial Services's valuation multiples
Ratios are assessed across five available annual reports in the 2020–2024 interval.
The valuation comparison uses P/E 11.06x (median 11.06x), P/B 2.8x (median 2.6x), P/CF 5.95x (median 4.57x). Current valuation broadly matches recent historical reference points; the difference from five-year medians is +7.6%.
At the current P/E, inverse earnings yield is 9%, a useful bridge between price and business earnings.
The latest available business-quality ratios are ROE 25.3%, ROA 3.1%. Returns on capital and assets point to efficient economics and a strong internal source of growth.
On PEG (0.5x), valuation is restrained relative to growth, but one ratio cannot replace cash-flow and risk analysis.
Financial-company multiples cannot be compared directly with industrial businesses; P/B and sustainable capital returns remain central.
Overall assessment
Discover Financial Services's multiples form a balanced picture without a clear discount or premium. Future appeal depends on earnings and return trends.
Annual Financial Ratios Discover Financial Services
| 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 11.1 | 11.1 | 7.1 | 6.8 | 24.8 | 8.3 | 8.5 | 14.2 | 11.8 | 8.7 | 10.8 | 10.8 | 8.4 | 5.8 | - | - | - | - | - | |
P/S |
17.9 | 16.0 | 17.0 | - | - | 2.1 | 2.2 | 3.0 | 3.1 | 2.3 | 3.0 | 3.2 | 2.6 | 1.8 | - | - | - | - | - |
EPS |
17.7 | 10.7 | 15.2 | 17.6 | 3.6 | 9.1 | 7.8 | 5.4 | 5.8 | 5.1 | 4.9 | 5.0 | 4.5 | 4.1 | 1.2 | 2.4 | 1.9 | 1.2 | - |
EV (Enterprise Value) |
171 B | 157 B | 140 B | 125 B | 117 B | 120 B | 108 B | 106 B | 97.3 B | 86.1 B | 89.8 B | 88.5 B | 82.6 B | 70.7 B | 49.2 B | 24.6 B | 23.8 B | -8.79 B | -874 M |
EBITDA per Share |
0.28 | 0.29 | 0.29 | 0.29 | 0.32 | - | - | - | - | - | - | - | - | - | 0.16 | 0.19 | 0.16 | - | - |
EV/EBITDA |
2413.9 | 2119.1 | 1746.9 | 1449.8 | 3.1 | - | - | - | - | - | - | - | - | - | 553.1 | 250.8 | 314.1 | - | - |
PEG |
- | - | - | - | -0.37 | 0.5 | 0.19 | -1.75 | 0.79 | 1.86 | -8.96 | 1.05 | 0.96 | 0.02 | - | - | - | - | - |
P/B |
2.8 | 2.2 | 2.2 | 2.8 | 2.6 | 2.1 | 2.1 | 2.7 | 2.5 | 1.8 | 2.3 | 2.5 | 2.0 | 1.6 | - | - | - | - | - |
P/CF |
6.0 | 3.6 | 4.3 | 6.1 | 4.6 | 4.1 | 4.7 | 6.0 | 6.6 | 5.4 | 6.8 | 8.1 | 6.8 | 3.7 | - | - | - | - | - |
ROE % |
25.30 | 19.64 | 31.06 | 42.13 | 10.48 | 24.93 | 24.64 | 19.27 | 21.13 | 20.37 | 20.86 | 22.85 | 23.98 | 27.02 | 11.85 | 15.13 | 15.68 | 10.51 | - |
ROA % |
3.07 | 1.84 | 3.27 | 4.89 | 1.01 | 2.59 | 2.50 | 2.10 | 2.59 | 2.64 | 2.79 | 3.11 | 3.11 | 3.24 | 1.26 | 2.77 | 2.33 | - | - |
Current Ratio |
1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 0.1 | 0.2 | 0.2 | 0.2 | 0.2 | 0.1 | 0.1 | 0.1 | 0.1 | 1.1 | 1.2 | 1.2 | - | - |
Annual performance
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All numbers in USD currency
Quarterly Financial Ratios Discover Financial Services
| 2025-Q1 | 2024-Q3 | 2024-Q2 | 2024-Q1 | 2023-Q3 | 2023-Q2 | 2023-Q1 | 2022-Q4 | 2022-Q3 | 2022-Q2 | 2022-Q1 | 2021-Q4 | 2021-Q3 | 2021-Q2 | 2021-Q1 | 2020-Q4 | 2020-Q3 | 2020-Q2 | 2020-Q1 | 2019-Q4 | 2019-Q3 | 2019-Q2 | 2019-Q1 | 2018-Q4 | 2018-Q3 | 2018-Q2 | 2018-Q1 | 2017-Q4 | 2017-Q3 | 2017-Q2 | 2017-Q1 | 2016-Q4 | 2016-Q3 | 2016-Q2 | 2016-Q1 | 2015-Q4 | 2015-Q3 | 2015-Q2 | 2015-Q1 | 2014-Q4 | 2014-Q3 | 2014-Q2 | 2014-Q1 | 2013-Q4 | 2013-Q3 | 2013-Q2 | 2013-Q1 | 2012-Q4 | 2012-Q3 | 2012-Q2 | 2012-Q1 | 2011-Q4 | 2011-Q3 | 2011-Q2 | 2011-Q1 | 2010-Q3 | 2010-Q2 | 2010-Q1 | 2009-Q3 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
EPS |
4.25 | 3.32 | 6.06 | 3.25 | 2.21 | 3.54 | 3.55 | - | 3.57 | 3.93 | 4.23 | - | 3.54 | 5.56 | 5.04 | 2.59 | 2.45 | -1.2 | -0.25 | 2.25 | 2.36 | 2.32 | 2.15 | 2.04 | 2.05 | 1.91 | 1.82 | 0.99 | 1.59 | 1.41 | 1.43 | 1.4 | 1.56 | 1.47 | 1.35 | 1.15 | 1.38 | 1.33 | 1.28 | 0.87 | 1.37 | 1.35 | 1.31 | 1.24 | 1.2 | 1.2 | 1.33 | 1.08 | 1.24 | 0.99 | 0.34 | 0.95 | 1.18 | 1.09 | 0.84 | 0.47 | 0.34 | -0.22 | 1.09 |
EBITDA per Share |
- | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 0.06 | - | 0.17 | 0.11 | 0.05 | - | 0.14 | 0.09 | 0.02 | - | 0.12 | 0.08 | 0.04 | - | - | - | - |
ROE % |
26.23 | 24.70 | 26.11 | 23.48 | 24.89 | 28.76 | 31.50 | 24.62 | 32.84 | 38.52 | 43.47 | 34.22 | 41.57 | 40.42 | 24.15 | 10.48 | 9.11 | 8.52 | 18.25 | 24.93 | 25.14 | 25.11 | 24.77 | 24.64 | 22.02 | 21.07 | 20.08 | 19.27 | 20.69 | 20.81 | 21.23 | 21.13 | 20.60 | 20.38 | 20.25 | 20.37 | 19.57 | 19.92 | 20.39 | 20.86 | 22.80 | 22.51 | 22.29 | 22.85 | 22.86 | 23.83 | 23.58 | 19.07 | 19.63 | 21.05 | 23.01 | 26.93 | 25.06 | 21.46 | 12.70 | 13.95 | 4.27 | -1.48 | 6.89 |
ROA % |
2.89 | 2.55 | 2.63 | 2.35 | 2.62 | 3.37 | 3.72 | 2.99 | 4.52 | 3.69 | 5.09 | 3.93 | 4.64 | 4.32 | 2.46 | 1.01 | 0.92 | 0.92 | 1.90 | 2.59 | 2.60 | 2.58 | 2.53 | 2.50 | 2.26 | 2.21 | 2.14 | 2.10 | 2.32 | 2.41 | 2.53 | 2.59 | 2.56 | 2.57 | 2.59 | 2.65 | 2.56 | 2.63 | 2.71 | 2.79 | 3.07 | 3.04 | 3.02 | 3.11 | 3.10 | 3.22 | 3.18 | 2.56 | 2.55 | 2.63 | 2.79 | 3.23 | 2.93 | 2.40 | 1.37 | 2.05 | 0.42 | -0.15 | 1.35 |
Current Ratio |
1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | - | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.2 |
Quarterly performance
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All numbers in USD currency
Multiples are an important financial analysis tool for the company Discover Financial Services, allowing investors and analysts to quickly assess the company’s value and investment attractiveness based on the ratio of market indicators to the company’s financial performance. Essentially, multiples express how the market values the company relative to its earnings, revenue, equity, or other key metrics.
Advantages of Using Financial Ratios- Simplified Data Analysis
Financial ratios transform large volumes of accounting data into compact and easily interpretable indicators, significantly simplifying the assessment of the company’s condition. - Comparability Between Companies
Multiples standardize financial metrics, enabling objective comparison of companies of different sizes, industries, and market capitalizations. - Identification of Trends and Issues
Regular analysis of ratios helps track the dynamics of financial health, identify strengths and weaknesses of the business, as well as potential risks. - Decision Support
Financial multiples serve as an important tool for investors, creditors, and company management in making investment, credit, and managerial decisions. - Accelerated Assessment of Investment Attractiveness
Ratios allow quick determination of key performance, liquidity, and financial stability indicators, facilitating prompt evaluation of companies’ attractiveness for investments.
Using multiples enables comparison between companies, even if they differ in size or industry, as they standardize financial data into ratios convenient for analysis. This is especially useful for evaluating companies where direct analysis of financial statements may be complex or require in-depth knowledge.
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