Market Price

76.50 

0.50 0.7%

as of Nov 12 '19

52 Week Range:

50.23 83.05


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Discover Financial Services, through its subsidiaries, operates as a direct banking and payment services company in the United States. The Direct Banking segment offers Discover-branded credit cards to individuals; and other consumer products and services, including private student loans, personal loans, home equity loans, and other consumer lending, as well as deposit products, such as certificates of deposit, money market accounts, savings accounts, checking accounts, and individual retirement arrangement certificates of deposit. The Payment Services segment operates the PULSE network, an automated teller machine, debit, and electronic funds transfer network; Diners Club International, a payments network that issues Diners Club branded charge cards and provides card acceptance services; and Discover Network that processes transactions for Discover-branded credit and debit cards, as well as provides payment transaction processing and settlement services. The company was incorporated in 1986 and is based in Riverwoods, Illinois.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Nov '08 Nov '09 Nov '10 Nov '11 Nov '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Equity (BVPS) 15.47
19.67
23.32
26.25
24.87
27.59
growth rate 27.2% 18.6% 12.6% -5.3% 10.9%
Earnings BIT 4,214.00
4,252.00
4,367.00
4,339.00
growth rate 0.9% 2.7% -0.6%
Avg.PE 11.65
11.64
11.78
7.88
growth rate -0.1% 1.2% -33.1%
ROA 2.40
2.85
1.25
3.40
3.22
3.04
2.79
2.64
2.61
2.11
2.57
growth rate 18.8% -56.1% 172.0% -5.3% -5.6% -8.2% -5.4% -1.1% -19.2% 21.8%
ROE 16.11
18.54
9.73
29.96
26.55
23.55
21.80
21.10
21.78
19.26
25.74
growth rate 15.1% -47.5% 207.9% -11.4% -11.3% -7.4% -3.2% 3.2% -11.6% 33.6%
Leverage 6.74
6.32
9.41
8.35
8.16
7.74
7.86
8.11
8.58
9.69
10.37
growth rate -6.2% 48.9% -11.3% -2.3% -5.2% 1.6% 3.2% 5.8% 12.9% 7.0%
Balance Sheet Nov '08 Nov '09 Nov '10 Nov '11 Nov '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Acct.Receivable 68,719.00
71,176.00
75,811.00
82,445.00
88,422.00
growth rate 3.6% 6.5% 8.8% 7.3%
Acct.Payable 46,089.00
47,531.00
51,992.00
58,764.00
67,759.00
growth rate 3.1% 9.4% 13.0% 15.3%
Cur.Assets 76,274.00
80,869.00
87,827.00
95,838.00
103,580.00
growth rate 6.0% 8.6% 9.1% 8.1%
Total Assets 83,126.00
86,799.00
92,308.00
100,087.00
109,553.00
growth rate 4.4% 6.4% 8.4% 9.5%
Cash 7,284.00
9,572.00
11,914.00
13,306.00
13,299.00
growth rate 31.4% 24.5% 11.7% -0.1%
Cur.Liabilities 49,280.00
50,724.00
55,377.00
62,690.00
77,611.00
growth rate 2.9% 9.2% 13.2% 23.8%
Liabilities 71,992.00
75,524.00
80,985.00
89,195.00
98,423.00
growth rate 4.9% 7.2% 10.1% 10.4%
LT Debt 22,543.00
24,650.00
25,443.00
26,326.00
20,717.00
growth rate 9.4% 3.2% 3.5% -21.3%
Equity 10,574.00
10,715.00
10,763.00
10,329.00
10,567.00
growth rate 1.3% 0.5% -4.0% 2.3%
Common Shares 483.00
508.00
549.00
543.00
520.00
487.00
463.00
438.00
406.00
374.00
345.00
growth rate 5.2% 8.1% -1.1% -4.2% -6.4% -4.9% -5.4% -7.3% -7.9% -7.8%
Cash Flow Statement Nov '08 Nov '09 Nov '10 Nov '11 Nov '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Capital Expenditures 145.00
167.00
179.00
218.00
254.00
growth rate 15.2% 7.2% 21.8% 16.5%
Cash Dividends 467.00
515.00
514.00
527.00
552.00
growth rate 10.3% -0.2% 2.5% 4.7%
Cash From OA 3,826.00
3,854.00
4,425.00
5,208.00
5,191.00
growth rate 0.7% 14.8% 17.7% -0.3%
FCF per Share 4.08
6.41
7.53
9.11
10.22
14.52
growth rate 57.1% 17.5% 21.0% 12.2% 42.1%
Sale Purchase of Stock 5.00
5.00
7.00
5.00
growth rate 0.0% 40.0% -28.6%
FCF 4,411.00
3,544.00
3,818.00
3,498.00
2,897.00
3,286.00
3,681.00
3,686.00
4,246.00
4,990.00
4,937.00
growth rate -19.7% 7.7% -8.4% -17.2% 13.4% 12.0% 0.1% 15.2% 17.5% -1.1%
Income Statement Nov '08 Nov '09 Nov '10 Nov '11 Nov '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Sales 7,034.00
7,227.00
7,240.00
7,318.00
7,674.00
growth rate 2.7% 0.2% 1.1% 4.9%
Op.Income 3,807.00
3,724.00
3,754.00
3,626.00
3,680.00
growth rate -2.2% 0.8% -3.4% 1.5%
IBT 3,694.00
3,612.00
3,656.00
3,537.00
3,597.00
growth rate -2.2% 1.2% -3.3% 1.7%
Net Income 2,323.00
2,297.00
2,393.00
2,099.00
2,742.00
growth rate -1.1% 4.2% -12.3% 30.6%
EPS 1.92
2.38
1.22
4.06
4.46
4.96
4.90
5.13
5.77
5.42
7.79
growth rate 24.0% -48.7% 232.8% 9.9% 11.2% -1.2% 4.7% 12.5% -6.1% 43.7%
Gross Profit 6,688.00
6,878.00
6,901.00
7,003.00
7,324.00
growth rate 2.8% 0.3% 1.5% 4.6%

Quarterly Statements

Item Name Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Earnings BIT
growth rate
Balance Sheet Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Acct.Receivable 82,806.00
84,874.00
88,422.00
86,576.00
88,017.00
growth rate 2.5% 4.2% -2.1% 1.7%
Acct.Payable 61,683.00
63,674.00
67,759.00
68,916.00
69,734.00
growth rate 3.2% 6.4% 1.7% 1.2%
Cur.Assets 98,736.00
101,500.00
103,580.00
101,795.00
99,374.00
growth rate 2.8% 2.1% -1.7% -2.4%
Total Assets 102,751.00
105,842.00
109,553.00
110,720.00
110,707.00
growth rate 3.0% 3.5% 1.1% 0.0%
Cash 15,289.00
16,019.00
13,299.00
15,169.00
10,313.00
growth rate 4.8% -17.0% 14.1% -32.0%
Cur.Liabilities 68,383.00
69,377.00
77,611.00
76,758.00
76,461.00
growth rate 1.5% 11.9% -1.1% -0.4%
Liabilities 91,862.00
94,826.00
98,423.00
99,461.00
99,214.00
growth rate 3.2% 3.8% 1.1% -0.3%
LT Debt 23,479.00
25,449.00
20,717.00
22,604.00
22,688.00
growth rate 8.4% -18.6% 9.1% 0.4%
Equity 10,326.00
10,453.00
10,567.00
10,696.00
10,930.00
growth rate 1.2% 1.1% 1.2% 2.2%
Common Shares 6.00
6.00
6.00
6.00
6.00
growth rate 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Capital Expenditures 60.00
59.00
77.00
82.00
69.00
growth rate -1.7% 30.5% 6.5% -15.9%
Cash Dividends 122.00
134.00
134.00
134.00
growth rate 9.8% 0.0% 0.0%
Cash From OA 1,586.00
1,606.00
761.00
2,335.00
1,578.00
growth rate 1.3% -52.6% 206.8% -32.4%
Sale Purchase of Stock 1.00
growth rate
FCF 1,526.00
1,547.00
684.00
2,253.00
1,509.00
growth rate 1.4% -55.8% 229.4% -33.0%
Income Statement Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Sales 1,861.00
1,982.00
2,007.00
1,954.00
2,065.00
growth rate 6.5% 1.3% -2.6% 5.7%
Op.Income 877.00
967.00
980.00
930.00
987.00
growth rate 10.3% 1.3% -5.1% 6.1%
IBT 877.00
967.00
897.00
930.00
987.00
growth rate 10.3% -7.2% 3.7% 6.1%
Net Income 669.00
720.00
687.00
726.00
753.00
growth rate 7.6% -4.6% 5.7% 3.7%
Gross Profit 1,775.00
1,893.00
1,914.00
1,855.00
1,964.00
growth rate 6.7% 1.1% -3.1% 5.9%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

D (37.55)

YOY Growth Grade:

E (23.60)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 8.50 8.97
EPS / Growth 8.53

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 0.2%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 0.2% 0.2% 0.2%
Future PE 0.01 0.24 0.24
Future EPS 8.73 8.73 8.73
Value Price
MOS %
0.02
-100.0%
0.51
-99.3%
0.51
-99.3%
MOS Price 0.01 0.25 0.25
IRT 8.87 8.87 8.87

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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