Discover Stock Analysis

DFS
 Stock
  

USD 103.51  1.89  1.79%   

The latest indifference towards the small price fluctuations of Discover Financial could raise concerns from retail investors as the firm is trading at a share price of 103.51 on 1,448,912 in volume. The company directors and management did not add any value to Discover Financial investors in November. However, most investors can still diversify their portfolios with Discover Financial to hedge their inherited risk against high-volatility market scenarios. The stock standard deviation of daily returns for 90 days investing horizon is currently 2.27. The current volatility is consistent with the ongoing market swings in November 2022 as well as with Discover Financial unsystematic, company-specific events.
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The Discover Financial stock analysis report makes it easy to digest most publicly released information about Discover Financial and get updates on important government artifacts, including earning estimates, SEC corporate filings, and announcements. Discover Stock analysis module also helps to analyze the Discover Financial price relationship with some important fundamental indicators such as market cap and management efficiency.

Discover Stock Analysis Notes

About 85.0% of the company shares are held by institutions such as insurance companies. The book value of Discover Financial was currently reported as 48.42. The company has Price/Earnings To Growth (PEG) ratio of 0.39. Discover Financial recorded earning per share (EPS) of 15.4. The entity last dividend was issued on the 22nd of November 2022. The firm 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 Roger Hochschild at 224 405 0900 or check out https://www.discover.com.

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 85.0% of the company shares are held by institutions such as insurance companies
Latest headline from news.google.com: Morgan Stanley Trims Price Target on Discover Financial Services to 115 From 116, Maintains Overweight Rating - Marketscreener.com

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.
Upcoming Quarterly Report19th of January 2022
Next Financial Report20th of April 2022
Next Fiscal Quarter End31st of December 2021
Next Fiscal Year End19th of January 2022
Last Quarter Report30th of September 2021
Last Financial Announcement31st of December 2020

Discover Financial SEC Filings

SEC filings are important regulatory documents required of all public companies to provide to potential investors. Discover Financial prospectus issued under the guidelines of SEC is a legal declaration of facts and statements to ensure that Discover Financial investors are not misled. SEC filings are required by law to meet strict transparency standards and other important legal constraints. Although many companies may choose careful wording to disguise some material information, SEC filings make crucial Discover Financial specific information freely available to individual and institutional investors to make a timely investment decision.
12th of September 2022
Financial Statements and Exhibits. Regulation FD Disclosure
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12th of August 2022
Financial Statements and Exhibits. Regulation FD Disclosure
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20th of July 2022
Financial Statements and Exhibits. Results of Operations and Financial Condition
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14th of June 2022
Financial Statements and Exhibits. Regulation FD Disclosure
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7th of June 2022
Financial Statements and Exhibits. Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers: Compensatory Arrangements of Certain Officers
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20th of May 2022
Submission of Matters to a Vote of Security Holders
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13th of May 2022
Financial Statements and Exhibits. Regulation FD Disclosure. Unclassified Corporate Event
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27th of April 2022
Financial Statements and Exhibits. Results of Operations and Financial Condition
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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.
Top FinTech
A collection of large financial service, investment, and banking companies
Banks
All money banks and credit services

Discover Market Capitalization

The company currently falls under 'Large-Cap' category with total capitalization of 28.8 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 these 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 0.41 %, 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 0.55 %, which entails that for every 100 dollars of revenue, it generated 0.01 of operating income.
Last ReportedProjected for 2022
Return on Investment 24.98  22.25 
Return on Average Assets 2.82  6.18 
Return on Average Equity 11.35  19.35 
Return on Invested Capital 0.06  0.07 
Return on Sales 0.59  0.51 

Management Efficiency

The entity has Return on Asset of 0.0384 % which means that on every $100 spent on asset, it made $0.0384 of profit. This is way below average. In the same way, it shows return on shareholders equity (ROE) of 0.3213 %, implying that it generated $0.3213 on every 100 dollars invested. Discover Financial 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. Discover Financial Return on Average Assets are relatively stable at the moment as compared to the past year. Discover Financial reported last year Return on Average Assets of 2.82. As of 12/06/2022, Return on Average Equity is likely to grow to 19.35, while Return on Investment is likely to drop 22.25. Discover Financial Current Assets are relatively stable at the moment as compared to the past year. Discover Financial reported last year Current Assets of 126.6 Million. As of 12/06/2022, Goodwill and Intangible Assets is likely to grow to about 307 M, while Total Assets Per Share are likely to drop 4.02.
Last ReportedProjected for 2022
Book Value per Share 45.75  40.86 
Enterprise Value over EBIT 6.00  6.16 
Enterprise Value over EBITDA 5.29  5.42 
Price to Book Value 2.53  2.65 
Tangible Assets Book Value per Share 375.29  342.78 
Enterprise Value39.6 B43.3 B
Tangible Asset Value110 B112 B

Technical Drivers

As of the 6th of December, Discover Financial shows the Mean Deviation of 1.79, coefficient of variation of 2654.2, and Downside Deviation of 2.12. 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 rivals. 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 103.51 per share. Given that Discover Financial has jensen alpha of (0.014224), 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 Mid-point Price over period is an average of Discover Financial highest and lowest prices attained during the given period.
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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.

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.

Discover Financial Technical and Predictive Indicators

Discover Financial Forecast Models

Discover Financial time-series forecasting models is one of many Discover Financial's stock analysis techniquest aimed to predict 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 ReportedProjected for 2022
Operating Margin 7.59  9.28 
EBITDA Margin 8.35  10.60 
Gross Margin 52.70  37.08 
Profit Margin 2.73  5.64 

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 PriceAdvice# of Analysts
140.87Buy15Odds
Discover Financial Services current and past analyst recommendations published by a number of research institutions as well as average analyst consensus.
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 Analyst Advice Details

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 Flow13589000000.00
Logo U R LimglogosUSdfs.png
Common Stock Shares Outstanding307000000.00
Total Stockholder Equity13408000000.00
DescriptionDiscover 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
Total Cashflows From Investing Activities40000000.00
Tax Provision1615000000.00
Property Plant And Equipment Net983000000.00
Retained Earnings24766000000.00
Cash And Short Term Investments18236000000.00
Retained Earnings Total Equity24766000000.00
Cash18236000000.00
CodeDFS
Accounts Payable72393000000.00
Net Debt1991000000.00
50 Day M A99.834
Total Current Liabilities1250000000.00
Currency CodeUSD
Other Operating Expenses620000000.00
Non Current Assets Total5144000000.00
Forward Price Earnings7.5988
Common Stock Total Equity6000000.00
Non Currrent Assets Other3906000000.00
Continue to Investing Opportunities. 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 Risk-Return Analysis module to view associations between returns expected from investment and the risk you assume.

Complementary Tools for Discover Stock analysis

When running Discover Financial 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 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.
Market Capitalization
28.8 B
Quarterly Revenue Growth YOY
0.044
Return On Assets
0.0384
Return On Equity
0.32
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 Discover Financial value 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.