Discover Financial Services (DFS)
Growth
Revenue 5Y11.87%
Revenue 3Y8.14%
EPS 5Y24.61%
EPS 3Y30.58%
Dividend 5Y10.30%
Dividend 3Y8.89%
Capital Efficiency
ROIC-
ROE32.25%
ROA3.63%
ROTA3.63%
Capital Structure
Market Cap31.39B
EV41.56B
Cash10.00B
Current Ratio-
Debt/Equity0.88
Net Debt/EBITDA1.33
DFS
Income Statement
Select a metric from the list below to chart it
Nov '03
Nov '07
Nov '11
Dec '15
Dec '19
| Income Statement | Dec '13 | Dec '14 | Dec '15 | Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 8,224.0 | 8,477.0 | 8,739.0 | 9,099.0 | 9,897.0 | 10,709.0 | 11,459.0 | 11,088.0 | 12,087.0 | 12,541.0 | |
| Revenue % Chg. | 7.5% | 3.1% | 3.1% | 4.1% | 8.8% | 8.2% | 7.0% | -3.2% | 9.0% | 4.7% | |
| Selling, General, & Admin Expenses | 1,881.0 | 2,499.0 | 2,589.0 | 2,613.0 | 2,774.0 | 3,052.0 | 3,241.0 | 2,553.0 | 2,796.0 | 3,058.0 | |
| Selling, General, & Admin Expenses % Chg. | -11.5% | 32.9% | 3.6% | 0.9% | 6.2% | 10.0% | 6.2% | -21.2% | 9.5% | 13.7% | |
| Other Expenses | -488.0 | 3,418.0 | 3,801.0 | 4,228.0 | 5,234.0 | 6,199.0 | 6,913.0 | -596.0 | - | - | |
| Other Expenses % Chg. | - | - | 11.2% | 11.2% | 23.8% | 18.4% | 11.5% | - | - | - | |
| Income Before Tax | 3,944.0 | 3,694.0 | 3,612.0 | 3,656.0 | 3,537.0 | 3,597.0 | 3,835.0 | 1,435.0 | 7,064.0 | 5,749.0 | |
| Income Before Tax % Chg. | 5.1% | -6.3% | -2.2% | 1.2% | -3.3% | 1.7% | 6.6% | -62.6% | 392.3% | -14.4% | |
| Income Before Tax Margin | 48.0% | 43.6% | 41.3% | 40.2% | 35.7% | 33.6% | 33.5% | 12.9% | 58.4% | 45.8% | |
| Income Before Tax Margin % Chg. | -2.2% | -9.1% | -5.2% | -2.8% | -11.1% | -6.0% | -0.4% | -61.3% | 351.6% | -18.3% | |
| Income Tax Expense | 1,474.0 | 1,371.0 | 1,315.0 | 1,263.0 | 1,438.0 | 855.0 | 878.0 | 294.0 | 1,615.0 | 1,323.0 | |
| Income Tax Expense % Chg. | 4.7% | -7.0% | -4.1% | -4.0% | 13.9% | -40.5% | 2.7% | -66.5% | 449.3% | -13.9% | |
| Net Income | 2,470.0 | 2,323.0 | 2,297.0 | 2,393.0 | 2,099.0 | 2,742.0 | 2,957.0 | 1,141.0 | 5,449.0 | 4,426.0 | |
| Net Income % Chg. | 5.3% | -6.0% | -1.1% | 4.2% | -12.3% | 30.6% | 7.8% | -61.4% | 377.6% | -14.6% | |
| Net Income Margin | 30.0% | 27.4% | 26.3% | 26.3% | 21.2% | 25.6% | 25.8% | 10.3% | 45.1% | 35.3% | |
| Net Income Margin % Chg. | -2.0% | -8.8% | -4.1% | 0.1% | -19.4% | 20.7% | 0.8% | -60.1% | 338.1% | -18.4% | |
| Weighted Avg. Shares Out | 485.0 | 462.0 | 437.0 | 405.0 | 374.0 | 344.0 | 320.0 | 307.0 | 307.0 | 282.0 | |
| Weighted Avg. Shares Out % Chg. | -6.0% | -4.7% | -5.4% | -7.3% | -7.7% | -8.0% | -7.0% | -4.1% | - | -7.2% | |
| EPS | 5.0 | 4.9 | 5.1 | 5.8 | 5.4 | 7.8 | 9.1 | 3.6 | 17.7 | 15.4 | |
| EPS % Chg. | 10.2% | -1.2% | 4.7% | 12.3% | -5.9% | 43.8% | 16.4% | -60.4% | 393.0% | -8.1% | |
| Weighted Avg. Shares Out Dil | 487.0 | 463.0 | 438.0 | 406.0 | 374.0 | 345.0 | 320.0 | 307.0 | 307.0 | 282.5 | |
| Weighted Avg. Shares Out Dil % Chg. | -5.8% | -4.9% | -5.4% | -7.3% | -7.9% | -7.8% | -7.2% | -4.1% | - | -7.1% | |
| EPS Diluted | 5.0 | 4.9 | 5.1 | 5.8 | 5.4 | 7.8 | 9.1 | 3.6 | 17.7 | 15.4 | |
| EPS Diluted % Chg. | 10.2% | -1.2% | 4.7% | 12.5% | -6.1% | 43.7% | 16.6% | -60.4% | 393.0% | -8.1% | |
| Interest Income | 7,064.0 | 7,596.0 | 7,945.0 | 8,616.0 | 9,648.0 | 10,893.0 | 11,993.0 | 11,095.0 | 10,651.0 | 11,750.0 | |
| Interest Income % Chg. | 4.9% | 7.5% | 4.6% | 8.4% | 12.0% | 12.9% | 10.1% | -7.5% | -4.0% | 10.1% | |
| Interest Expense | 1,146.0 | 1,134.0 | 1,263.0 | 1,398.0 | 1,648.0 | 2,139.0 | 2,530.0 | 1,865.0 | 1,134.0 | 1,335.0 | |
| Interest Expense % Chg. | -13.9% | -1.0% | 11.4% | 10.7% | 17.9% | 29.8% | 18.3% | -26.3% | -39.2% | 6.1% | |
| EBIT | 9,862.0 | 10,156.0 | 10,294.0 | 10,874.0 | 11,537.0 | 12,351.0 | 13,298.0 | 10,665.0 | 16,581.0 | 16,164.0 | |
| EBIT % Chg. | 7.7% | 3.0% | 1.4% | 5.6% | 6.1% | 7.1% | 7.7% | -19.8% | 55.5% | 0.2% | |
| EBIT Margin | 119.9% | 119.8% | 117.8% | 119.5% | 116.6% | 115.3% | 116.0% | 96.2% | 137.2% | 128.9% | |
| EBIT Margin % Chg. | 0.2% | -0.1% | -1.7% | 1.5% | -2.5% | -1.1% | 0.6% | -17.1% | 42.6% | -4.3% | |
| Depreciation & Amortization | 334.0 | 369.0 | 391.0 | 351.0 | 393.0 | 435.0 | 436.0 | 485.0 | 531.0 | 568.0 | |
| Depreciation & Amortization % Chg. | 25.1% | 10.5% | 6.0% | -10.2% | 12.0% | 10.7% | 0.2% | 11.2% | 9.5% | 11.4% | |
| EBITDA | 10,196.0 | 10,525.0 | 10,685.0 | 11,225.0 | 11,930.0 | 12,786.0 | 13,734.0 | 11,150.0 | 17,112.0 | 16,732.0 | |
| EBITDA % Chg. | 8.2% | 3.2% | 1.5% | 5.1% | 6.3% | 7.2% | 7.4% | -18.8% | 53.5% | 0.6% | |
| EBITDA Margin | 124.0% | 124.2% | 122.3% | 123.4% | 120.5% | 119.4% | 119.9% | 100.6% | 141.6% | 133.4% | |
| EBITDA Margin % Chg. | 0.7% | 0.1% | -1.5% | 0.9% | -2.3% | -1.0% | 0.4% | -16.1% | 40.8% | -4.0% |