Discover Financial Services

NYSE
DFS
Stock
Yield per half year: +9.54%
Dividend yield: 1.95%
Sector: Financials

Reporting Discover Financial Services

Reports

IFRS
Reporting Annual Quarterly
2016 2017 2018 2019 2020 2021 2022
Финансовый отчет link link link link link link link


Capitalization

IFRS
Reporting Annual Quarterly
2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 LTM 5 year average CAGR 5
Капитализация, млрд $
28.68 21.77 26.96 26.54 18.87 27.79 35.48 30.03 25.28 23.33 27.49 6.02
Выручка, млрд $
9.1 9.9 10.71 11.46 11.09 12.09 13.34 15.79 17.91 17.91 14.04 10.06
Чистая прибыль, млрд $
2.39 2.1 2.74 2.96 1.14 5.45 4.37 2.94 4.54 4.54 3.69 31.83
EV, млрд $
60.84 45.25 34.05 34.98 22.56 36.81 26.14 37.84 51.06 51.06 34.88 17.75
EBIT, млрд $
4.88 5.27 5.45 5.74 6.37 3.3 8.2 6.09 3.83 -0.019 5.56 -9.67
EBITDA, млрд $
4 4.01 5.58 6.17 6.8 3.79 8.73 6.28 4.01 0.168 5.92 -10.02
OIBDA, млрд $
2.21 9.24 9.51 6.19 6.79 29.37
Баланс стоимость, млрд $
15.13 16.69 11.13 11.86 10.88 13.41 14.59 14.83 17.93 17.93 14.33 10.51
FCF, млрд $
4.25 4.99 4.94 5.91 5.94 5.83 6.9 8.26 8.16 8.16 7.02 6.56
Операционный денежный поток, млрд $
4.43 5.21 5.19 6.2 6.2 6.02 7.14 8.56 8.43 8.43 7.27 6.34
Операционная прибыль, млрд $
3.66 3.54 5.74 6.37 3.3 8.2 7.61 5.11 17.68 17.68 8.38 39.89
Операционные расходы, млрд $
6.84 8.01 9.25 2.12 1.96 4.81 1.91 4.73 2.34 2.34 3.15 3.61
CAPEX, млрд $
0.179 0.218 0.254 0.284 0.261 0.194 0.236 0.303 0.268 0.268 0.2524 0.53


Balance sheet

IFRS
Reporting Annual Quarterly
2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 LTM 5 year average CAGR 5
Наличность, млрд $
11.91 13.31 13.3 17.56 25.7 18.24 21.11 11.69 8.47 8.47 17.04 -19.91
Short Term Investments $
1.76 0.672 3.37 0.875 2.66 2.02 1.71 2.09 7.71 7.71 3.24 23.72
Long term investments $
68.22 70.52 1.76 1.57 3.37 92.51 12.11 6.91 12.21 13.66 27.48 -31.79
Total Receivables $
70.52 75.09 81.63 88.42 93.56 0.944 0.914 104.75 112.8 112.8 62.59 3.81
Total Current Assets $
10.81 13.3 14.49 18.43 29.31 21.17 10.56 11.69 16.18 16.18 17.78 -11.20
Чистые активы, млрд $
11.28 11.32 10.89 14.49 18.43 29.31 21.17 1 22.41 1 18.46 3.99
Активы, млрд $
92.31 100.09 107.38 114 112.89 110.24 131.63 151.52 147.64 147.64 130.78 5.51
Short Term Debt $
5.1 5.27 6.51 5.25 1.02 1.25 3.82 0.75 0.75 0.75 1.52 -5.96
Long Term Debt $
25.44 26.33 27.23 25.7 21.24 18.48 20.11 20.58 16.25 16.25 19.33 -5.21
Задолженность, млрд $
80.99 89.2 98.42 102.14 102.01 96.83 117.04 136.69 129.71 129.71 116.46 4.92
Чистый долг, млрд $
39.07 18.29 13.93 8.14 -4.46 1.99 -0.997 9.65 7.78 7.78 2.79 -211.77
Долг, млрд $
50.98 26.33 27.23 25.7 21.24 20.23 23.92 21.33 16.25 16.25 20.59 -5.21
Interest income $
7.95 8.62 9.65 10.89 11.99 11.1 10.65 12.86 16.83 12.69 7.02
Расходы на обслуживание долга $
1.4 1.65 2.14 2.53 1.87 1.13 1.87 4.75 5.72 5.72 3.07 25.06
Чист. проц. доходы, млрд $
6.68 7.22 9.65 10.89 11.99 11.1 10.65 12.86 16.83 16.83 12.69 7.02
Goodwill $
0.257 0.255 0.255 0.255 0.255 0.255 0.255 0.255 0.255 0.255 0.2550 0.00
Амортизация, млрд $
0.137 0.13 0.435 0.436 0.485 0.531 0.194 0.187 0.3 0.3 0.3394 -9.16
Себестоимость, млрд $
0 0 0 0 0 0 0 10.76 4.91 4.91 7.83 -32.45
Товарно материальные запасы $
-64.12 -68.22 -70.52 -75.09 -81.63 87.47 94.55 2.12 4.73 107.5 59.27 4.21


Share

IFRS
Reporting Annual Quarterly
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM 5 year average CAGR 5
EPS 5.77 5.42 7.95 9.24 3.72 18.16 15.73 11.57 18.07 18.07 13.45 37.18
Цена акции ао 72.09 76.92 58.98 84.82 90.53 110.7 112.4 173.23 200.05 200.05 137.38 17.18
Число акций ао, млн 406 374 345 320 307 300 278 254 251 251 278.00 -3.95
FCF/акцию 10.46 13.34 14.31 18.48 19.33 19.42 24.83 32.52 32.5 32.5 25.72 10.95


Efficiency

IFRS
Reporting Annual Quarterly
2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM Industry average 5 year average CAGR 5
ROE, % 21.78 19.26 24.9 25.73 10.03 44.86 31.25 19.99 27.69 27.69 23.22 26.76 22.52
ROA, % 2.61 2.11 2.66 2.67 1.01 4.88 3.62 2.08 3.03 3.03 4.05 2.92 24.57
ROIC, % 6.39 6.51 5.64 7.15 7.87 25.83 16.83 13.31 10.26 0 8.01 14.82 5.45
ROS, % 52.39 53.56 55.55 29.76 67.82 32.8 18.61 25.32 25.32 25.32 22.65 33.97 -17.89
ROCE, % 46.52 50.02 19.33 19.7 2.95 7.52 5.63 2.61 -0.106 -0.106 26.26 3.72 -151.42
Ebit margin, % 35.84 15.53 61.27 45.62 24.22 -0.1061 -0.1061 29.31 -136.89
Рентаб EBITDA, % 44.04 56.36 57.62 59.35 34.14 72.22 47.08 25.41 0.938 0.938 36.41 35.96 -51.27
Чистая рентаб, % 26.3 21.21 25.6 25.81 10.29 45.08 32.8 18.61 25.32 25.32 22.53 26.42 19.73
Operation Margin, % 35.74 33.59 33.47 94.12 58.44 57.04 32.38 98.69 98.69 98.69 34.06 69.05 11.05
Чистая процентная маржа, % 29.35 26.78 25.7 25.71 20.52 25.11 25.38 9.96 44.27 41.09 25.36 25.05 16.62
Доходность FCF, % 14.21 12.85 19.5 18.51 20 24.26 31.37 17.72 23.79 32.67 25.96 6.13


Coefficients

IFRS
Reporting Annual Quarterly
2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM Industry average 5 year average CAGR 5
P/E
13.1 13.2 7.34 9.08 23.68 6.39 6.2 9.59 9.54 9.54 24.94 11.08 -16.63
P/BV
2.6 2.6 2.25 2.26 2.48 2.6 1.86 1.9 2.41 2.41 5.58 2.25 -0.57
P/S
3.3 3.1 1.88 2.34 2.44 2.88 2.03 1.78 2.42 2.42 5.06 2.31 -0.16
P/FCF
4.22 3.34 4.09 4.49 5.65 4.2 3.38 2.82 2.86 2.86 7.71 3.78 -12.73
E/P
0.0887 0.1111 0.1213 0.0603 0.1649 0.1507 0.1163 0.126 0.1944 0.1944 1.16 0.1505 3.35
EV/EBIT
8.52 13.55 6.23 4.3 9.89 -1991.45 -2687.44 -2687.44 -931.6940 -436.49
EV/EBITDA
13.45 14.57 7.49 5.52 5.14 5.96 4.22 4.16 9.43 225.22 -3.80 5.78 12.90
EV/S
4.07 3.73 3.3 1.68 3.67 1.96 2.4 2.85 2.85 2.85 5.74 2.75 -4.93
EV/FCF
8.08 8.08 6.39 3.15 7.61 3.79 4.58 6.26 6.26 6.26 13.03 5.70 -3.83
Debt/EBITDA
4.72 4.41 3.78 5.61 2.32 3.81 5.32 135.54 96.74 96.74 -6.66 48.75 110.87
Netdebt/Ebitda
4.65 5.07 5.62 4.53 0.26 -0.1588 2.4 57.42 46.3 46.3 -13.63 21.24 181.92
Debt/Ratio
0.89 0.9 0.9 0.9 0.88 0.1817 0.1408 0.1101 0.1101 0.1101 0.19 0.2845 -34.01
Debt/Equity
8.19 8.84 8.61 9.37 7.22 1.64 1.44 0.9067 7.24 7.24 8.96 3.69 0.06
Debt/Net Income
15.05 12.3 10.47 22.31 3.73 5.47 7.26 3.58 3.58 3.58 23.77 4.72 -0.82
PEG
0.2279 0.2279 0.2279 0.00
Бета
1.78 1.64 1.45 2.83 4.86 1.68 1.68 0.72 2.49 0.48
Индекс Альтмана
-0.01 -0.08 -0.07 0.71 3.08 1.58 -0.0882 0.5031 0.4742 0.4742 4.70 1.11 -31.22


Dividends

IFRS
Reporting Annual Quarterly
2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM Industry average 5 year average CAGR 5
Див.выплата, млрд
0.515 0.527 0.552 0.573 0.576 0.636 0.703 0.752 0.771 0.535 0.6876 6.01
Дивиденд
1.3 1.5 1.68 1.76 1.88 2.4 2.8 2.8 0.7 3.5 2.12 -17.93
Див доход, ао, %
1.83 2.1 1.98 2.2 1.77 2.13 2.81 1.43 1.4 1.95 2.44 1.91 -4.58
Дивиденды / прибыль, %
20.7 21.5 20.13 19.38 50.48 11.67 16.07 25.58 17 17 43.17 24.16 -19.56
Dividend Coverage Ratio
4.54 3.8 4.78 5.14 1.79 7.75 5.82 3.91 8.48 8.48 5.55 36.49


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Other

IFRS
Reporting Annual Quarterly
2016 2017 2018 2019 2020 2021 2022 2023 2024 LTM CAGR 5
НИОКР, млрд
0 0 0 0 0 0 0 0 0
CAPEX/Выручка, %
2.35 1.61 1.77 1.92 1.5 1.5 -8.59
Персонал, чел
17 600 16 700 20 200 21 100 4.64