Stock Fundamentals

Company Information

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Company Name
Discover Financial Services
Sector
Financial Services
Industry
Credit Services
Exchange
NYSE
ISIN: US2547091080
CIK: 0001393612
CUSIP: 254709108
Currency: USD
Full Time Employees: 21,000
Phone: 224 405 0900
Website: https://www.discover.com
Fiscal Year End: December
IPO Date: Jul 02, 2007
Description:

Discover Financial Services, through its subsidiaries, provides digital banking products and services, and payment services in the United States. It operates in two segments, Digital Banking and Payment Services. The Digital Banking segment offers Discover-branded credit cards to individuals; personal loans, home loans, and deposit products; and direct-to-consumer deposit products comprising savings accounts, certificates of deposit, money market accounts, IRA certificates of deposit, IRA savings accounts and checking accounts, and sweep accounts. The Payment Services segment operates the PULSE to access automated teller machines (ATMs), debit, and electronic funds transfer network; Diners Club, a payments network; and Network Partners business, which provides payment transaction processing and settlement, merchant acquisition, ATM access, and related payments services in the global network. Discover Financial Services was incorporated in 1960 and is headquartered in Riverwoods, Illinois. As of May 18, 2025, Discover Financial Services operates as a subsidiary of Capital One Financial Corporation.

Address:

2500 Lake Cook Road, Riverwoods, IL, United States, 60015

Directors & Officers

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Name Title Year Born
Mr. J. Michael Shepherd Interim CEO, President & Director 1955
Mr. John Thomas Greene Executive VP & CFO 1966
Mr. Jason J. Strle Executive VP & Chief Information Officer 1977
Mr. Daniel Peter Capozzi Executive VP & President of Consumer Banking 1972
Mr. Keith E. Toney Executive VP and President of Credit & Decision Management 1972
Ms. Shifra C. Kolsky Chief Accounting Officer, Senior VP & Controller NA
Ms. Erin Stieber Senior Vice President of FP&A and Investor Relations NA
Mr. Kelly R. Welsh Interim Chief Legal Officer, General Counsel and Head of Corporate & Public Affairs 1953
Ms. Leslie Sutton Vice President of Corporate Communications NA
Ms. Carolyn Diane Blair Executive VP & Chief Human Resources Officer NA

Institutional Holders

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Holder Name Shares Date Reported % Out Value % Change
Vanguard Group Inc 31.15M Mar 31, 2025 12.38% $0.10 0.34%
Capital World Investors 20.69M Mar 31, 2025 8.22% $0.57 6.08%
BlackRock Inc 20.59M Mar 31, 2025 8.18% $0.07 -5.41%
State Street Corp 10.93M Mar 31, 2025 4.34% $0.08 1.25%
FMR Inc 6.44M Mar 31, 2025 2.56% $0.07 -14.78%
Geode Capital Management, LLC 6.40M Mar 31, 2025 2.54% $0.09 2.49%
Morgan Stanley - Brokerage Accounts 4.60M Mar 31, 2025 1.83% $0.06 5.63%
NORGES BANK 4.18M Dec 31, 2024 1.66% $0.10 -3.58%
Boston Partners Global Investors, Inc 3.62M Mar 31, 2025 1.44% $0.75 -24.70%
Dimensional Fund Advisors, Inc. 3.14M Mar 31, 2025 1.25% $0.13 -0.42%
Northern Trust Corp 2.93M Mar 31, 2025 1.17% $0.07 7.98%
Amvescap Plc. 2.84M Mar 31, 2025 1.13% $0.09 -4.58%
ING Investment Management LLC 2.82M Mar 31, 2025 1.12% $0.27 163.11%
UBS Group AG 2.42M Mar 31, 2025 0.96% $0.08 13.69%
JPMorgan Chase & Co 2.17M Mar 31, 2025 0.86% $0.03 -1.60%
UBS Asset Mgmt Americas Inc 2.09M Mar 31, 2025 0.83% $0.09 0.73%
C2P Capital Advisory Group LLC dba Prosperity Capital Advisors 2.03M Dec 31, 2024 0.81% $4.26 0.00%
Sessa Capital IM LP 1.78M Mar 31, 2025 0.71% $11.83 0.00%
Balyasny Asset Management LLC 1.76M Mar 31, 2025 0.70% $0.50 -9.30%
Legal & General Group PLC 1.74M Mar 31, 2025 0.69% $0.08 7.21%

Shares Statistics

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Shares Outstanding: 251.65M
Shares Float: 250.18M
% Insiders: 15.60%
% Institutions: 8,651.80%
Short % Float: 2.49%

🏆 Top 10 Institutional Holders

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Rank Holder Name Shares Held % of Shares Change Date Reported
1 Vanguard Group Inc 31.15M 12.38% ▲ 0.34% Mar 31, 2025
2 Capital World Investors 20.69M 8.22% ▲ 6.08% Mar 31, 2025
3 BlackRock Inc 20.59M 8.18% ▼ 5.41% Mar 31, 2025
4 State Street Corp 10.93M 4.34% ▲ 1.25% Mar 31, 2025
5 FMR Inc 6.44M 2.56% ▼ 14.78% Mar 31, 2025
6 Geode Capital Management, LLC 6.40M 2.54% ▲ 2.49% Mar 31, 2025
7 Morgan Stanley - Brokerage Accounts 4.60M 1.83% ▲ 5.63% Mar 31, 2025
8 NORGES BANK 4.18M 1.66% ▼ 3.58% Dec 31, 2024
9 Boston Partners Global Investors, Inc 3.62M 1.44% ▼ 24.70% Mar 31, 2025
10 Dimensional Fund Advisors, Inc. 3.14M 1.25% ▼ 0.42% Mar 31, 2025

Valuation Metrics

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Enterprise Value: $54.07B
Trailing P/E: 10.69
Forward P/E: 14.49

Financial Highlights

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Market Cap: $50.34B
P/E Ratio: $10.69
PEG Ratio: $3.69
Book Value: $71.16
Dividend/Share: $2.80
Dividend Yield: 1.40%
Earnings/Share: $18.72
Profit Margin: 35.88%
Operating Margin: 48.02%
ROA (TTM): 3.19%
ROE (TTM): 28.47%
Revenue (TTM): $13.34B
Revenue/Share (TTM): $53.05
Earnings Growth (YOY): 30.50%
Revenue Growth (YOY): 12.90%

Stock Price History

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1 Year Price History

2 Years Price History

5 Years Price History

10 Years Price History

Download Financials (Excel)

Financial Charts

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Revenue & Net Income (Yearly)

Revenue & Net Income (Quarterly)

Operating Expenses (Yearly)

Operating Expenses (Quarterly)

Balance Sheet (Yearly)

Balance Sheet (Quarterly)

Assets Breakdown (Yearly)

Assets Breakdown (Quarterly)

Liabilities Breakdown (Yearly)

Liabilities Breakdown (Quarterly)

Earnings Per Share (EPS) History

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Financial Ratios

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Earnings History

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Balance Sheet (Yearly)

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Financial Ratios

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Date Current Ratio Debt/Equity Debt/Assets Interest Coverage Debt/EBITDA
2024-12-31 0.15x 0.95x 0.88x 3.09x 0.95x
2023-12-31 2.46x 1.44x 0.90x 1.08x 5.32x
2022-12-31 0.45x 1.64x 0.89x 4.08x 3.81x
2021-12-31 0.15x 1.55x 0.88x 6.23x 2.73x
2020-12-31 0.41x 2.34x 0.19x 0.77x 13.26x
2019-12-31 0.29x 2.61x 0.23x 1.52x 7.25x
2018-12-31 0.19x 3.03x 0.90x 2.68x 8.37x
2017-12-31 0.20x 2.90x 0.89x 3.15x 8.04x
2016-12-31 0.18x 2.70x 0.88x 3.62x 7.62x
2015-12-31 0.19x 4.38x 0.87x 3.86x 12.33x
2014-12-31 0.23x 1.74x 0.87x 4.26x 4.76x
2013-12-31 0.16x 1.51x 0.86x 4.44x 3.82x
2012-12-31 0.11x 1.50x 0.87x 3.87x 3.69x
2011-12-31 0.21x 1.82x 0.88x 3.36x 4.17x
2010-12-31 0.15x 2.74x 0.89x 1.80x 13.04x
2009-12-31 0.47x 0.21x 0.82x 2.05x 0.81x
2008-12-31 0.41x 0.39x 0.85x 1.19x 2.19x
2007-12-31 0.44x 0.40x 0.85x 0.78x 1.86x
2006-12-31 0.19x 1.43x 0.80x 1.68x 3.97x
2005-12-31 0.16x 1.01x 0.83x 1.51x 4.07x
2004-12-31 N/A N/A N/A 1.91x 0.00x
2003-12-31 N/A 0.00x 0.84x 2.30x 0.00x

Insider Trading

Date Insider Name Title Transaction Type Shares Price Value
Apr 23, 2025 Ro Khanna N/A Sale N/A $178.74 N/A
Apr 07, 2025 Julie Johnson N/A Sale N/A $150.78 N/A
Apr 07, 2025 Jefferson Shreve N/A Sale N/A $150.78 N/A
Sep 04, 2024 John James N/A Sale N/A $135.08 N/A
Aug 06, 2024 C. Scott Franklin N/A Sale N/A $125.27 N/A
Aug 01, 2024 C. Scott Franklin N/A Sale N/A $136.17 N/A
Jul 18, 2024 John James N/A Purchase N/A $142.89 N/A
Jan 26, 2024 John Greene N/A Sale 35.19K $106.51 $3.75M
Sep 11, 2023 C. Scott Franklin N/A Sale N/A $89.66 N/A
Jun 15, 2023 Pete Sessions N/A Sale N/A $117.25 N/A
Mar 03, 2023 Robert Andrew Eichfeld N/A Sale 13.48K $114.18 $1.54M
Feb 02, 2023 Carlos Minetti N/A Sale 7.00K $118.00 $826.00K
Dec 07, 2022 Michael H Moskow N/A Sale 1.29K $105.10 $135.68K

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