Discover Financial Services (DFS) Net Profit Margin: 22.65%
Is Discover Financial Services’s net profit margin high or low?
Discover Financial Services's net profit margin of 22.65% is 11% below its 5-year average of 25.35%, around the middle of its 5-year range (10.29%–44.86%).
The net profit margin for Discover Financial Services (DFS) is 22.65% as of Tuesday, June 9, 2026. It is above its 12-month average by 18.22% (19.16%).
DFS Net Profit Margin Chart
DFS Average Net Profit Margin Chart
DFS Current vs Average Net Profit Margin Chart
DFS Net Profit Margin Metrics
NET PROFIT MARGIN
22.65%
NET PROFIT MARGIN AVG TTM
19.16%
NET PROFIT MARGIN AVG 3Y
28.99%
NET PROFIT MARGIN AVG 5Y
25.35%
NET PROFIT MARGIN AVG 10Y
25.35%
NET PROFIT MARGIN AVG 15Y
25.50%
NET PROFIT MARGIN AVG 20Y
22.62%
CURRENT VS TTM AVG
+18.22%
CURRENT VS 3Y AVG
-21.88%
CURRENT VS 5Y AVG
-10.64%
CURRENT VS 10Y AVG
-10.66%
CURRENT VS 15Y AVG
-11.17%
CURRENT VS 20Y AVG
+0.15%
DFS Competitors' Net Profit Margin
| NAME | MARKET CAP | NET PROFIT MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Discover Financial Services (DFS) | — | 22.65% | 19.16% | 28.99% | 25.35% |
| MetLife, Inc. (MET) | $55.06B | 4.38% | 5.36% | 5.20% | 6.60% |
| Arthur J. Gallagher & Co. (AJG) | $55.77B | 10.72% | 11.69% | 11.51% | 11.46% |
| The Allstate Corporation (ALL) | $55.91B | 15.47% | 11.41% | 4.99% | 6.10% |
| State Street SPDR Dow Jones Industrial Average ETF Trust (DIA) | $44.77B | N/A | N/A | N/A | N/A |
| MSCI Inc. (MSCI) | $44.23B | 38.36% | 38.59% | 40.33% | 38.73% |
| Aflac Incorporated (AFL) | $58.84B | 20.91% | 24.69% | 24.29% | 23.05% |
| Coinbase Global, Inc. (COIN) | $40.97B | 17.55% | 28.42% | -5.57% | 8.19% |
| American International Group, Inc. (AIG) | $39.19B | 11.56% | 3.21% | 13.39% | 9.99% |
| The Travelers Companies, Inc. (TRV) | $63.85B | 12.88% | 11.82% | 9.64% | 9.59% |
Margin Comparison
Operating Margin
88.3%
Net Profit Margin
22.6%
Discover Financial Services Net Profit Margin Formula & Definition
Net Profit Margin = Net Income / Revenue
Net profit margin is the percentage of revenue that becomes net income after all expenses, taxes, and interest.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
Discover Financial Services Net Profit Margin FAQ
- What is the net profit margin for Discover Financial Services (DFS)?
- The net profit margin for DFS stock is 22.65%.
- Is Discover Financial Services's net profit margin high or low?
- Discover Financial Services's net profit margin of 22.65% is 11% below its 5-year average of 25.35%, around the middle of its 5-year range (10.29%–44.86%).
- What is the TTM average net profit margin for Discover Financial Services (DFS)?
- The TTM average net profit margin for DFS stock is 19.16%.
- What is the 3Y average net profit margin for Discover Financial Services (DFS)?
- The 3Y average net profit margin for DFS stock is 28.99%.
- What is the 5Y average net profit margin for Discover Financial Services (DFS)?
- The 5Y average net profit margin for DFS stock is 25.35%.
- What is the 10Y average net profit margin for Discover Financial Services (DFS)?
- The 10Y average net profit margin for DFS stock is 25.35%.
- What is the 15Y average net profit margin for Discover Financial Services (DFS)?
- The 15Y average net profit margin for DFS stock is 25.50%.
- What is the 20Y average net profit margin for Discover Financial Services (DFS)?
- The 20Y average net profit margin for DFS stock is 22.62%.
Discover Financial Services Net Profit Margin History
| DATE | NET PROFIT MARGIN |
|---|---|
| 2024-12-31 | 22.65% |
| 2023-12-31 | 15.67% |
| 2022-12-31 | 32.80% |
| 2021-12-31 | 44.86% |
| 2020-12-31 | 10.29% |
| 2019-12-31 | 25.81% |
| 2018-12-31 | 25.60% |
| 2017-12-31 | 21.21% |
| 2016-12-31 | 26.30% |
| 2015-12-31 | 26.28% |
| 2014-12-31 | 27.40% |
| 2013-12-31 | 30.03% |
| 2012-11-30 | 30.57% |
| 2011-11-30 | 31.52% |
| 2010-11-30 | 11.49% |
| 2009-11-30 | 18.60% |
| 2008-11-30 | 14.73% |
| 2007-11-30 | 9.35% |
| 2006-11-30 | 17.30% |
| 2005-11-30 | 9.85% |
| 2004-11-30 | 12.22% |
| 2003-11-30 | 51.52% |
Related Metrics
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