Discover Financial Services  (DFS)
Other Ticker:  
Price: $94.6300 $1.78 1.917%
Day's High: $95.63 Week Perf: -3.77 %
Day's Low: $ 94.26 30 Day Perf: -15.67 %
Volume (M): 35 52 Wk High: $ 121.17
Volume (M$): $ 3,382 52 Wk Avg: $104.17
Open: $91.80 52 Wk Low: $87.64

 Market Capitalization (Millions $) 26,277
 Shares Outstanding (Millions) 278
 Employees 16,700
 Revenues (TTM) (Millions $) 10,978
 Net Income (TTM) (Millions $) 4,304
 Cash Flow (TTM) (Millions $) -2,435
 Capital Exp. (TTM) (Millions $) 236

Discover Financial Services

We are a leading credit card issuer and electronic payment services company with one of the most recognized brands in U.S. financial services. Since our inception in 1986, we have grown to become one of the largest card issuers in the United States. We are also a leader in payments processing, as we are one of only two credit card issuers with its own U.S. payments network and the only issuer whose wholly-owned network operations include both credit and debit functionality.

We issue credit cards in the United States under the Discover Card brand to various segments within the consumer and small business sectors. Most of our cards offer a Cashback Bonus rewards program. In addition, we offer a range of banking products to our customers, including personal loans, student loans, certificates of deposit and money market accounts.

Discover Network cards currently are accepted at millions of merchant and cash access locations primarily in the United States, Mexico, Canada and the Caribbean. In October 2004, the U.S. Department of Justice (“DOJ”) prevailed in its antitrust lawsuit (the “DOJ litigation”) against Visa U.S.A., Inc. (together with its predecessors, “Visa”) and MasterCard Worldwide (together with its predecessors, “MasterCard”) which challenged their exclusionary rules—rules that effectively precluded us from offering network services to financial institutions. Since then, we have accelerated our network growth by entering the debit market with the acquisition of the PULSE Network, and by signing card issuing agreements with a number of financial institutions. We also have significantly expanded our relationships with companies that provide merchants with credit card processing services, which we believe will further increase the number of merchants accepting Discover Network cards.

In addition, we issue credit cards on the MasterCard and Visa networks in the United Kingdom, the world’s second-largest credit card market. Our portfolio includes Goldfish, one of the United Kingdom’s leading rewards credit cards, as well as several Morgan Stanley-branded credit cards and a number of affinity credit cards.

We operate in three reportable segments: U.S. Card, Third-Party Payments and International Card. On February 7, 2008, we announced that we had entered into a definitive sale and purchase agreement to sell our U.K. credit card business, which represents substantially all of the International Card segment, to Barclay’s Bank Plc.

Customer Acquisition

We seek creditworthy individuals by leveraging an integrated acquisition and risk management process. To acquire new customers, we use proprietary targeting and analytical models to identify attractive prospects and match them with our product offerings. We employ multiple acquisition channels, including direct mail, internet, print advertising, direct response television and telemarketing.


We compete with other card issuers and networks on the basis of a number of factors, including: merchant acceptance, products and services, incentives and reward programs, brand, network, reputation and pricing. Many of our competitors are well established and financially strong, have greater financial resources than we do, are larger than us and/or have lower capital costs and operating costs than we have and expect to have.

As a credit card issuer, we compete for accounts and utilization with cards issued by other financial institutions (including American Express, Bank of America, Chase and Citigroup, as well as third-party issuers on the Discover Network) and, to a lesser extent, businesses that issue their own private label cards or otherwise extend credit to their customers. There has been a trend toward consolidation among credit card issuers, leading to greater concentration of resources.

In the United Kingdom, we issue credit cards on the MasterCard and Visa networks. We compete for accounts and utilization with cards issued by other financial institutions (including American Express, Bank of America, Barclays, Capital One, Halifax Bank of Scotland and Royal Bank of Scotland). As in the United States, credit card issuers in the United Kingdom have used advertising, targeted marketing, pricing competition in interest rates, reward programs and low-priced balance transfer programs to attract and retain cardholders and increase card usage.

In our third-party payments business, we compete with other networks to attract third-party issuers to issue credit, debit and prepaid cards on the Discover and PULSE Networks. Discover Network’s primary competitors are Visa, MasterCard and American Express, and PULSE Network’s competitors include Visa’s Interlink, STAR, NYCE and Maestro.

   Company Address: 2500 Lake Cook Road Riverwoods 60015 IL
   Company Phone Number: 405-0900   Stock Exchange / Ticker: NYSE DFS
   DFS is expected to report next financial results on April 27, 2023. Next quarterly dividend pay out on April 21, 2023.

Customers Net Income grew by DFS's Customers Net Profit Margin fell to

43.8 %

31.58 %

• Customers Performance • Customers Expend. • Customers Efficiency • List of Customers


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Discover Financial Services's Segments
U.S. Card
 Segment     of total Revenue
Private student loans
 Segment     of total Revenue
PCI student loans
 Segment     of total Revenue
Personal loans
 Segment     of total Revenue
 Segment     of total Revenue
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Discover Financial Services's Operating Statistics Decrease / Increase
Interest rate spread   Interest rate spread Decline   
Net Interest Margin   Net Interest Margin Decline   
Nonperforming Assets Ratio     
Allowance for Credit Losses     
Tier1 Capital Ratio     
Total Capital Ratio     
Leverage Ratio     
Tangible Common Equity Ratio   Tangible Common Equity Ratio Decline   
Efficiency Ratio    Efficiency Ratio Growth   


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