DFS
Signal
Bullish Setup2
Price
1
Move-0.21%Quiet session
Volume
1
Volume10.8× avgSurge — unusual activity
Technical
1
RSIRSI 0Oversold — bounce setup
PRICE
Prev Close
200.48
Open
200.55
Day Range198.70 – 203.02
198.70
203.02
52W Range119.95 – 207.42
119.95
207.42
92% of range
VOLUME & SIZE
Avg Volume
2.9M
FUNDAMENTALS
P/E Ratio
10.7x
Value territory
EPS (TTM)
Div Yield
0.02%
Beta
1.22
Market-like
Quick Read
TrendInsufficient MA data
Momentum
BULLISH
revenue +72% YoY · 76% gross margin
Valuation
CHEAP
P/E 11x vs ~20x sector
Health
MODERATE
CR 0.2 (low) · FCF $15.81/sh
Strong Buy
Key MetricsTTM
Market Cap$50.34B
Revenue TTM$22.15B
Net Income TTM$4.79B
Free Cash Flow$8.45B
Gross Margin76.2%
Net Margin23.4%
Operating Margin42.8%
Return on Equity13.0%
Return on Assets1.6%
Debt / Equity0.77
Current Ratio0.18
EPS TTM$9.50

Intelligence analysis not yet available for this stock. Full AI-powered analysis may be available on the intelligence page.

Health Radar
1 strong2 watch3 concern
31/100
Liquidity
0.18Concern
Leverage
0.77Strong
Coverage
1.7xConcern
ROE
13.0%Watch
ROIC
8.4%Watch
Cash
$8.5BConcern
ANALYST COVERAGE22 analysts
BUY
-31.0%downside to target
L $104.00
Med $138.00consensus
H $214.00
Buy
1464%
Hold
836%
14 Buy (64%)8 Hold (36%)0 Sell (0%)
Full report →
Stock Health
Composite Score
2 of 4 signals bullish
6/10
Technicals
RSI RangeRSI 0 — Oversold, watch for bounce
~
Fundamentals
Last EarningsBeat estimates
Analyst ConsensusBuy
LiquidityCurrent Ratio 0.18 — liquidity risk

1 signal unavailable — limited data for this stock

Upcoming Events
EEarnings ReportMay 4, 2026
Tomorrow
DEx-Dividend DateJul 31, 2026
In 89 days
PDividend PaymentAug 21, 2026
In 110 days
Technicals
Technical SetupMIXED
Technicals →

Trend

PullbackGolden Cross · 50D leads 200D by 20.0%

-0.2% vs SMA 50 · +19.7% vs SMA 200

Momentum

RSI0.0
Oversold — potential bounce
MACD-0.03
Below zero — bearish pulse · compressing
Market Position
Price Levels
52W High
$207.4+3.7%
EMA 50
$200.5+0.2%
Current
$200.1
EMA 200
$180.4-9.8%
52W Low
$120.0-40.0%
52-Week RangeNear 52-week high
$120.092th %ile$207.4
Earnings & Analysts

ANALYST ESTIMATES

Consensus of 15 analysts
Analyst revisions:EPS↑ Revised UpRevenue↑ Revised Up

Analyst consensus estimates · Actuals replace estimates as reported

YearRevenue Est.Rev GthEPS Est.EPS GthRangeAnalysts
FY2023
$11.1B
$10.6B$12.0B
$11.27
±8%
High10
FY2024
$17.6B
$17.4B$18.1B
+58.3%$14.82+31.5%
±7%
High15
FY2025
$17.4B
$16.6B$18.0B
-1.2%$14.47-2.3%
±18%
High13
Range confidence:Tight (high)ModerateWide (low)
🔥Beat 4 consecutive quarters
Earnings HistoryDFS
Last 8Q
+6.2%avg beat
Beat 4 of 8 quartersMissed 4 Estimates rising
-4%
Q3'23
-19%
Q4'23
-38%
Q1'24
-63%
Q2'24
+97%
Q3'24
+8%
Q4'24
+42%
Q1'25
+26%
Q2'25
Beat
Miss
Estimate
Deeper color = bigger beat/miss
Analyst Activity
All ratings →
No recent activity
JefferiesBuy → Hold
May 7
DOWNGRADE
Wolfe ResearchOutperform → Peer Perform
Apr 17
DOWNGRADE
Morgan StanleyEqual-Weight → Overweight
Feb 8
UPGRADE
Piper SandlerNeutral → Overweight
Jan 17
UPGRADE
Bank of America Sec…Neutral → Buy
Dec 6
UPGRADE
Piper SandlerNeutral
Jul 21
DOWNGRADE
Bank of America Sec…Neutral
Mar 15
UPGRADE
Morgan StanleyOverweight → Equal-Weight
Feb 8
DOWNGRADE
BarclaysOverweight → Equal-Weight
Jan 6
DOWNGRADE
Morgan StanleyEqual-Weight → Overweight
Oct 26
UPGRADE
J.P. MorganCautious
Sep 6
DOWNGRADE
CitigroupBuy
Jul 22
DOWNGRADE
Financials
Dividends0.35% yield
3 yrs of payments
Annual Yield0.35%
Quarterly Div.$0.7000
Est. Annual / Share$2.80
FrequencyQuarterly
Q3'23
Q4'23
Q1'24
Q2'24
Q3'24
Q4'24
Q1'25
Q2'25

Dividend per payment — last 8 periods

INSTITUTIONAL OWNERSHIP

1
Semmax Financial Advisors Inc.
0
2
J. W. Coons Advisors, LLC
0
3
First Horizon Advisors, Inc.
0
4
AVANTAX ADVISORY SERVICES, INC.
0
5
Northeast Financial Consultants Inc
0
6
Atria Wealth Solutions, Inc.
0
7
Parkworth Wealth Management, Inc.
0
8
Prairie Sky Financial Group LLC
0
News & Activity

DFS News

20 articles · 4h ago

About

you can make an impact. whether it’s developing corporate strategy, innovating new services or supporting it needs, every employee has the opportunity to be a vital part of our business and make a real difference in people’s lives. it’s the heart of what we do. discover is one of the most recognized brands in u.s. financial services. we’re a direct banking and payment services company built on a legacy of innovation and customer service. our employees have always played a big part in our success. we support, challenge and inspire employees to continually develop their skills, advance their career and help grow our business.

Industry
Credit Card Issuing
CEO
Roger Hochschild
Daniel Peter CapozziExecutive Vice President & President of Consumer Banking
Jason StrleExecutive Vice President & Chief Information Officer
J. Michael ShepherdInterim Chief Executive Officer, President & Director