Discover Financial Services (DFS)
Company Info
Highlights
$51.35B
$18.73
10.90
3.69
$20.00B
$17.55B
$7.84B
$118.43 - $207.42
$198.69
2.49%
2.12
Share Price Chart
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Compare to other instruments
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Performance
Performance Chart
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Returns By Period
Discover Financial Services (DFS) returned 15.92% year-to-date (YTD) and 63.84% over the past 12 months. Over the past 10 years, DFS delivered an annualized return of 15.39%, outperforming the S&P 500 benchmark at 10.78%.
DFS
15.92%
25.80%
15.44%
63.84%
42.87%
15.39%
^GSPC (Benchmark)
0.19%
9.00%
-1.55%
12.31%
15.59%
10.78%
Monthly Returns
The table below presents the monthly returns of DFS, with color gradation from worst to best to easily spot seasonal factors. Returns are adjusted for dividends.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2025 | 16.08% | -2.60% | -12.55% | 7.01% | 9.55% | 15.92% | |||||||
| 2024 | -6.12% | 15.03% | 8.61% | -3.33% | -2.67% | 6.64% | 10.08% | -3.16% | 1.14% | 5.80% | 23.41% | -5.04% | 57.32% |
| 2023 | 19.32% | -3.52% | -11.75% | 4.68% | -0.02% | 13.73% | -9.67% | -13.99% | -3.82% | -5.25% | 14.22% | 20.86% | 18.20% |
| 2022 | 0.16% | 7.06% | -10.73% | 2.06% | 1.50% | -16.66% | 6.79% | 0.07% | -9.52% | 14.89% | 4.31% | -9.72% | -13.55% |
| 2021 | -7.72% | 13.12% | 0.98% | 20.01% | 3.25% | 0.88% | 5.10% | 3.53% | -4.19% | -7.76% | -4.42% | 7.15% | 29.78% |
| 2020 | -11.42% | -12.20% | -45.61% | 20.47% | 11.80% | 5.43% | -1.32% | 8.32% | 8.85% | 12.51% | 17.84% | 18.85% | 10.13% |
| 2019 | 14.43% | 6.70% | -0.63% | 14.52% | -8.05% | 4.08% | 15.66% | -10.39% | 1.40% | -1.02% | 6.30% | -0.06% | 46.94% |
| 2018 | 3.74% | -0.78% | -8.75% | -0.95% | 4.13% | -4.67% | 1.42% | 9.95% | -2.14% | -8.87% | 2.93% | -17.28% | -21.80% |
| 2017 | -3.90% | 3.13% | -3.87% | -8.48% | -5.75% | 5.95% | -2.01% | -2.69% | 9.38% | 3.18% | 6.68% | 8.95% | 8.92% |
| 2016 | -14.60% | 2.00% | 9.69% | 10.51% | 1.46% | -5.67% | 6.06% | 6.12% | -5.75% | -0.39% | 20.95% | 6.37% | 37.40% |
| 2015 | -16.96% | 12.63% | -7.59% | 2.87% | 0.99% | -1.12% | -3.14% | -3.24% | -3.24% | 8.14% | 1.47% | -5.53% | -16.54% |
| 2014 | -4.11% | 7.36% | 1.41% | -3.94% | 6.23% | 4.82% | -1.48% | 2.55% | 3.24% | -0.95% | 3.16% | -0.09% | 18.92% |
Risk-Adjusted Performance
Risk-Adjusted Performance Rank
With an overall rank of 91, DFS is among the top 9% of stocks on our website when it comes to balancing risk and reward. Below is a breakdown of how it compares using common performance measures.
Risk-Adjusted Performance Indicators
The charts below present risk-adjusted performance metrics for Discover Financial Services (DFS) and compare them to a chosen benchmark (^GSPC). These indicators evaluate an investment's returns against its associated risks.
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Dividends
Dividend History
Discover Financial Services provided a 1.40% dividend yield over the last twelve months, with an annual payout of $2.80 per share. The company has been increasing its dividends for 15 consecutive years.
| Period | TTM | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend | $2.80 | $2.80 | $2.70 | $2.30 | $1.88 | $1.76 | $1.68 | $1.50 | $1.30 | $1.16 | $1.08 | $0.92 |
Dividend yield | 1.40% | 1.62% | 2.40% | 2.35% | 1.63% | 1.94% | 1.98% | 2.54% | 1.69% | 1.61% | 2.01% | 1.40% |
Monthly Dividends
The table displays the monthly dividend distributions for Discover Financial Services. The dividends shown in the table have been adjusted to account for any splits that may have occurred.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2025 | $0.00 | $0.70 | $0.00 | $0.00 | $0.00 | $0.70 | |||||||
| 2024 | $0.00 | $0.70 | $0.00 | $0.00 | $0.70 | $0.00 | $0.00 | $0.70 | $0.00 | $0.00 | $0.70 | $0.00 | $2.80 |
| 2023 | $0.00 | $0.60 | $0.00 | $0.00 | $0.70 | $0.00 | $0.00 | $0.70 | $0.00 | $0.00 | $0.70 | $0.00 | $2.70 |
| 2022 | $0.00 | $0.50 | $0.00 | $0.00 | $0.60 | $0.00 | $0.00 | $0.60 | $0.00 | $0.00 | $0.60 | $0.00 | $2.30 |
| 2021 | $0.00 | $0.44 | $0.00 | $0.00 | $0.44 | $0.00 | $0.00 | $0.50 | $0.00 | $0.00 | $0.50 | $0.00 | $1.88 |
| 2020 | $0.00 | $0.44 | $0.00 | $0.00 | $0.44 | $0.00 | $0.00 | $0.44 | $0.00 | $0.00 | $0.44 | $0.00 | $1.76 |
| 2019 | $0.00 | $0.40 | $0.00 | $0.00 | $0.40 | $0.00 | $0.00 | $0.44 | $0.00 | $0.00 | $0.44 | $0.00 | $1.68 |
| 2018 | $0.00 | $0.35 | $0.00 | $0.00 | $0.35 | $0.00 | $0.00 | $0.40 | $0.00 | $0.00 | $0.40 | $0.00 | $1.50 |
| 2017 | $0.00 | $0.30 | $0.00 | $0.00 | $0.30 | $0.00 | $0.00 | $0.35 | $0.00 | $0.00 | $0.35 | $0.00 | $1.30 |
| 2016 | $0.00 | $0.28 | $0.00 | $0.00 | $0.28 | $0.00 | $0.00 | $0.30 | $0.00 | $0.00 | $0.30 | $0.00 | $1.16 |
| 2015 | $0.00 | $0.24 | $0.00 | $0.00 | $0.28 | $0.00 | $0.00 | $0.28 | $0.00 | $0.00 | $0.28 | $0.00 | $1.08 |
| 2014 | $0.20 | $0.00 | $0.00 | $0.24 | $0.00 | $0.00 | $0.24 | $0.00 | $0.00 | $0.24 | $0.00 | $0.92 |
Dividend Yield & Payout
Dividend Yield
Discover Financial Services has a dividend yield of 1.40%, which signifies it pays a smaller percentage of its stock price in dividends to its shareholders compared to other companies in the market.
Payout Ratio
Discover Financial Services has a payout ratio of 14.65%, which is below the market average. This means Discover Financial Services returns a smaller proportion of its earnings to shareholders as dividends, suggesting it retains a higher portion for reinvestment, growth, or debt payment.
Drawdowns
Drawdowns Chart
The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.
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Worst Drawdowns
The table below displays the maximum drawdowns of the Discover Financial Services. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.
The maximum drawdown for the Discover Financial Services was 81.74%, occurring on Mar 5, 2009. Recovery took 585 trading sessions.
The current Discover Financial Services drawdown is 1.94%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -81.74% | Jul 3, 2007 | 422 | Mar 5, 2009 | 585 | Jun 29, 2011 | 1007 |
| -72.37% | Jul 29, 2019 | 164 | Mar 20, 2020 | 197 | Dec 30, 2020 | 361 |
| -37.53% | Aug 16, 2021 | 555 | Oct 27, 2023 | 99 | Mar 21, 2024 | 654 |
| -33.18% | Nov 12, 2014 | 314 | Feb 11, 2016 | 191 | Nov 11, 2016 | 505 |
| -30.9% | Jan 30, 2018 | 228 | Dec 24, 2018 | 84 | Apr 26, 2019 | 312 |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
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Financials
Financial Performance
The chart below illustrates the trends in the financial health of Discover Financial Services over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.
Earnings Per Share
The chart presents the Earnings Per Share (EPS) performance of Discover Financial Services, comparing actual results with analytics estimates. The company has exceeded analyst expectations for EPS in the past quarter, achieving a 28.1% positive surprise.
Valuation
The Valuation section provides an overview of how Discover Financial Services is priced in the market compared to other companies in the Credit Services industry. It includes key financial ratios that help investors assess whether the stock is undervalued or overvalued.
PE Ratio
The chart displays the Price-to-Earnings (P/E) ratio for DFS, comparing it with other companies in the Credit Services industry. Currently, DFS has a P/E ratio of 10.9. This P/E ratio is in line with the industry average, suggesting the stock may be fairly valued relative to its earnings.
PEG Ratio
The chart shows the Price/Earnings to Growth (PEG) ratio for DFS compared to other companies in the Credit Services industry. DFS currently has a PEG ratio of 3.7. This PEG ratio is higher than the industry average, which may suggest the stock is overvalued relative to its expected earnings growth.
PS Ratio
This chart shows the Price-to-Sales (P/S) ratio for DFS relative to other companies in the Credit Services industry. Currently, DFS has a P/S ratio of 3.8. This P/S ratio is high relative to other companies in the industry. It could mean the stock is overvalued, or that investors expect strong future growth and profitability.
PB Ratio
The chart illustrates the Price-to-Book (P/B) ratio for DFS in comparison with other companies in the Credit Services industry. Currently, DFS has a P/B value of 2.7. This P/B ratio is higher than most companies in the industry. It may suggest the stock is overvalued or that investors expect the company to generate high returns on its assets.
Income Statement
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