$200.05
0.43 (-0.21%)
Last updated: Jul 15, 2026 04:26
Fundamentals Overview
Discover Financial Services is in the middle of its 52-week range with attractive valuation, trading relatively flat today.
Valuation attractive
Intrinsic value (DCF)
-4.6% downside vs price
Profitability
Risk (Beta)
1.15 — in line vol
Earnings & growth
BullzEye Analysis
Our composite tilts Hold on technicals (e.g. RSI, ADX, trend), fundamentals, sentiment, sector and index context, and risk.
Composite Signal
Supporting (Buy):
Sentiment improving (2 upgrades)
Not financial advice. For education and research only; do your own research and consider a financial advisor before investing.
Key Stats
About
Ratings & Grades at a Glance
Recent institutional grades: majority upgrades. Current institutional positions: Buy: 7, Equal Weight: 6, Hold: 1, In Line: 2, Market Perform: 1, Neutral: 6, Outperform: 2, Overweight: 2, Sector Perform: 3.
Valuation & Ratios
Valuation, liquidity, and profitability metrics are consolidated here (including ratios that previously appeared in the Financials story). Trailing (TTM) vs forward-looking (e.g. DCF) is noted on each line where it matters.
DCF vs price: DCF estimate is $190.80; current price is $200.05. That’s a -4.6% gap. When the gap is large (e.g. >20%), that’s divergence; when they’re close, that’s convergence. Differences can reflect growth expectations, sector premiums, or conservative vs. optimistic assumptions. Use DCF as one input alongside technicals and sentiment.
| Metric | Value |
|---|---|
| Valuation | |
| P/E (TTM) | 10.51 |
| DCF value (model) | $190.80 (-4.6% vs price) |
| PEG (TTM) | 0.15 |
| P/B (TTM) | 2.8 |
| P/S (TTM) | 2.51 |
| P/FCF (TTM) | 6.17 |
| Liquidity & enterprise | |
| Current Ratio (TTM) | 0.15 |
| Quick Ratio (TTM) | 0.15 |
| Cash Ratio (TTM) | 0.08 |
| Profitability | |
| ROE (TTM) | N/A |
| ROA (TTM) | N/A |
| Revenue growth (YoY) | N/A |
| Net margin (TTM) | 22.65% |
| Gross margin (TTM) | 89.46% |
| Operating margin (TTM) | 88.29% |
| Debt to equity (TTM) | N/A |
Latest News
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Price Target, Ratings & Grades
Analyst price targets, consensus, rating snapshot, and institutional grades for DFS.
Analyst Sentiment at a Glance
Stock Grades (Institutions)
| Institution | Action | Previous Grade | New Grade | Date |
|---|---|---|---|---|
| Jefferies | downgrade | Buy | Hold | 2025-05-07 |
| Truist Securities | maintain | Buy | Buy | 2025-04-25 |
| TD Securities | maintain | Buy | Buy | 2025-04-24 |
| JP Morgan | maintain | Neutral | Neutral | 2025-04-08 |
| Truist Securities | maintain | Buy | Buy | 2025-03-21 |
| Truist Securities | maintain | Buy | Buy | 2025-01-27 |
| JP Morgan | maintain | Neutral | Neutral | 2025-01-24 |
| Barclays | maintain | Overweight | Overweight | 2025-01-24 |
| Wells Fargo | maintain | Equal Weight | Equal Weight | 2025-01-24 |
| RBC Capital | maintain | Sector Perform | Sector Perform | 2025-01-24 |
| JP Morgan | maintain | Neutral | Neutral | 2025-01-14 |
| UBS | upgrade | Neutral | Buy | 2025-01-13 |
| Barclays | upgrade | Equal Weight | Overweight | 2025-01-06 |
| Wells Fargo | maintain | Equal Weight | Equal Weight | 2025-01-03 |
| JP Morgan | maintain | Neutral | Neutral | 2024-12-09 |
| Keefe, Bruyette & Woods | maintain | Outperform | Outperform | 2024-12-09 |
| Evercore ISI Group | maintain | In Line | In Line | 2024-10-30 |
| RBC Capital | maintain | Sector Perform | Sector Perform | 2024-10-18 |
| Wells Fargo | maintain | Equal Weight | Equal Weight | 2024-10-18 |
| Evercore ISI Group | maintain | In Line | In Line | 2024-10-07 |
| Barclays | maintain | Equal Weight | Equal Weight | 2024-07-19 |
| BMO Capital | maintain | Market Perform | Market Perform | 2024-07-19 |
| JP Morgan | maintain | Neutral | Neutral | 2024-07-19 |
| RBC Capital | maintain | Sector Perform | Sector Perform | 2024-07-19 |
| Jefferies | maintain | Buy | Buy | 2024-07-09 |
| Barclays | maintain | Equal Weight | Equal Weight | 2024-07-09 |
| Keefe, Bruyette & Woods | maintain | Outperform | Outperform | 2024-07-08 |
| JP Morgan | maintain | Neutral | Neutral | 2024-07-08 |
| Jefferies | maintain | Buy | Buy | 2024-04-19 |
| Barclays | maintain | Equal Weight | Equal Weight | 2024-04-19 |