Sector note: Free-cash-flow and enterprise-value multiples (P/FCF, FCF yield, EV/EBITDA, EV/EBIT) are omitted — they aren't meaningful for banks and insurers, whose deposits and reserves a standard model misreads as debt. Book value (P/B), ROE and net interest margin are the right lenses here.
DFS Valuation Metrics
DFS Stock Price Metrics
DFS Dividend Metrics
DFS Growth Rate Metrics
DFS Discounted Cash Flow Metrics
| Fair Value Price | - |
| Margin of Safety | - |
DFS Revenue Metrics
DFS PE Ratio Metrics
| PE Ratio | 10.67 |
| PE Ratio Avg TTM | 11.30 |
| PE Ratio Avg 3Y | 8.71 |
| Current VS TTM Avg | -5.57% |
| Current VS 3Y Avg | +22.55% |
| Current VS 5Y Avg | -1.96% |
DFS PS Ratio Metrics
| PS Ratio | 2.28 |
| PS Ratio Avg TTM | 2.49 |
| PS Ratio Avg 3Y | 2.21 |
| Current VS TTM Avg | -8.46% |
| Current VS 3Y Avg | +3.13% |
| Current VS 5Y Avg | -2.84% |
DFS PB Ratio Metrics
| PB Ratio | 2.66 |
| PB Ratio Avg TTM | 2.40 |
| PB Ratio Avg 3Y | 2.11 |
| Current VS TTM Avg | +10.78% |
| Current VS 3Y Avg | +26.08% |
| Current VS 5Y Avg | +17.47% |
DFS Debt to Equity Ratio Metrics
| Debt/Equity Ratio | 0.91 |
| Debt/Equity Ratio Avg TTM | 1.21 |
| Debt/Equity Ratio Avg 3Y | 1.34 |
| Current VS TTM Avg | -24.48% |
| Current VS 3Y Avg | -32.22% |
| Current VS 5Y Avg | -42.47% |
DFS PEG Ratio Metrics
| PEG Ratio | 0.15 |
| PEG Ratio Avg TTM | 0.15 |
| PEG Ratio Avg 3Y | 0.15 |
| Current VS TTM Avg | 0.00% |
| Current VS 3Y Avg | 0.00% |
| Current VS 5Y Avg | 0.00% |
DFS Earnings Yield
| Earnings Yield | 9.37% |
| Earnings Yield Avg TTM | 9.02% |
| Earnings Yield Avg 3Y | 12.37% |
| Current VS TTM Avg | +3.88% |
| Current VS 3Y Avg | -24.25% |
| Current VS 5Y Avg | -16.59% |
DFS Current Ratio Metrics
| Current Ratio | 0.15 |
| Current Ratio Avg TTM | 0.72 |
| Current Ratio Avg 3Y | 0.42 |
| Current VS TTM Avg | -79.17% |
| Current VS 3Y Avg | -64.71% |
| Current VS 5Y Avg | -55.22% |
DFS Quick Ratio Metrics
| Quick Ratio | 0.15 |
| Quick Ratio Avg TTM | 0.72 |
| Quick Ratio Avg 3Y | 0.42 |
| Current VS TTM Avg | -79.17% |
| Current VS 3Y Avg | -64.71% |
| Current VS 5Y Avg | -55.22% |
DFS ROIC Metrics
| ROIC | 32.48% |
| ROIC Avg 3Y | 19.42% |
| ROIC Avg 5Y | 14.85% |
| Current VS 3Y Avg | +67.27% |
| Current VS 5Y Avg | +118.75% |
| Current VS 10Y Avg | +163.91% |
DFS Return on Assets Metrics
| ROA | 3.07 |
| ROA Avg TTM | 2.46 |
| ROA Avg 3Y | 3.29 |
| Current VS TTM Avg | +25.05% |
| Current VS 3Y Avg | -6.62% |
| Current VS 5Y Avg | +9.97% |
DFS Return on Equity Metrics
| ROE | 25.30 |
| ROE Avg TTM | 22.47 |
| ROE Avg 3Y | 29.21 |
| Current VS TTM Avg | +12.59% |
| Current VS 3Y Avg | -13.40% |
| Current VS 5Y Avg | -0.31% |
DFS Net Profit Margin Metrics
| Net Profit Margin | 22.65% |
| Net Profit Margin Avg TTM | 19.16% |
| Net Profit Margin Avg 3Y | 28.99% |
| Current VS TTM Avg | +18.22% |
| Current VS 3Y Avg | -21.88% |
| Current VS 5Y Avg | -10.64% |
Last Updated: Tuesday, June 9, 2026
About Discover Financial Services
Based in Riverwoods, Illinois, and founded in 1960, Discover Financial Services offers a comprehensive suite of digital banking and payment solutions throughout the United States. Its operations are organized into two primary divisions: Digital Banking and Payment Services. The Digital Banking segment caters to individuals with Discover-branded credit cards, various consumer loan products including private student, personal, and home loans, and a direct-to-consumer deposit portfolio featuring savings, certificates of deposit (CDs), money market, checking, and sweep accounts, alongside specialized IRA deposit options. The Payment Services segment is responsible for operating the PULSE network, which supports automated teller machines, debit transactions, and electronic funds transfers. It also oversees Diners Club International, a global payments network involved in issuing branded charge cards and facilitating card acceptance. Furthermore, this segment provides essential payment transaction processing and settlement services.
- Sector
- Financial Services
- Industry
- Financial - Credit Services
- CEO
- J. Michael Shepherd