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Discover Financial Services (DFS) Stock Forecast 2025 - AI Price Prediction & Analysis

Discover Financial Services (DFS) AI Stock Price Forecast & Investment Analysis

Discover Financial Services Stock Price Chart and Technical Analysis

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Discover Financial Services (DFS) - Comprehensive Stock Analysis & Investment Research

Company Overview & Business Profile

Discover Financial Services (Stock Symbol: DFS) is a leading company in the Finance sector , specifically operating within the Personal Credit Institutions industry. The organization employs approximately 16964 professionals worldwide . The company has established itself as an emerging investment opportunity with substantial growth potential.

Financial Performance & Key Metrics Analysis

Annual Revenue: $12194 million generating a 41.1% net profit margin .

Market Capitalization: $2 million - Classified as a small-cap investment offering high growth potential.

Return on Equity (ROE): 42.7% - Exceptional shareholder return efficiency, indicating strong management effectiveness.

Advanced AI Stock Prediction & Price Target Analysis

🚀 Unlock Premium AI Predictions to access our advanced machine learning forecasts for Discover Financial Services stock, including 7-day, 30-day, and 90-day price targets with confidence intervals and risk assessments.

Market Position & Competitive Advantage Analysis

Discover Financial Services strategically competes in the highly dynamic Personal Credit Institutions marketplace, representing an emerging small-cap investment with substantial growth potential and market disruption capabilities . The company demonstrates robust operational efficiency through strong free cash flow generation of $6041 million annually , complemented by impressive 19.4% year-over-year cash flow growth The company maintains a healthy 73.4% gross margin, indicating strong pricing power and operational efficiency.

Discover Financial Services (DFS) Fundamental Analysis & Insider Trading Data (Quarterly Financial Reports)

Comprehensive quarterly financial data, earnings trends, insider transactions, and institutional holdings for Discover Financial Services stock analysis.

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Deep dive into Discover Financial Services's financial health, valuation metrics, and operational efficiency to make informed investment decisions.

Understanding Valuation Metrics

What these metrics mean: Valuation metrics help determine if Discover Financial Services stock is fairly priced compared to its earnings, assets, and market position.

How to read them: Lower P/E ratios may indicate undervalued stocks, while higher ratios suggest growth expectations. P/B ratio compares market value to book value.

For Discover Financial Services: With a P/E ratio of 13.41, the market sees the stock as potentially undervalued.

P/E Ratio 13.41x
Market Cap $2M
Dividend Yield 0.01%
EPS $11.30
Book Value/Share $62.52
Revenue/Share $41.34
FCF/Share $18.67
Understanding Profitability Metrics

What these metrics mean: These ratios measure how efficiently Discover Financial Services converts revenue into profit and generates returns for shareholders.

How to read them: Higher ROE/ROA indicate better management efficiency. Margin percentages show profit at different operational levels.

For Discover Financial Services: An ROE of 42.7% demonstrates excellent shareholder value creation.

ROE 42.7%
ROA 4.5%
ROIC -107.7%
Gross Margin 73.4%
Operating Margin -143.0%
Net Margin 41.1%
EBT Margin 54.2%
Tax Rate 22.8%
Understanding Financial Health Metrics

What these metrics mean: These ratios assess Discover Financial Services's ability to meet short-term obligations and manage debt levels effectively.

How to read them: Current ratio >2 is generally good, Quick ratio >1 shows strong liquidity. Lower D/E ratios indicate conservative debt management.

For Discover Financial Services: A current ratio of 3.28 indicates strong liquidity.

Current Ratio 3.28x
Quick Ratio 3.02x
D/E Ratio 1.38x
Financial Leverage 8.68x
Understanding Cash Flow Metrics

What these metrics mean: Cash flow metrics reveal Discover Financial Services's ability to generate cash from operations and fund growth initiatives.

How to read them: Positive operating cash flow is crucial. Free cash flow shows money available for dividends, buybacks, or investments.

For Discover Financial Services: Free cash flow of $6041M provides flexibility for shareholder returns and growth investments.

Operating Cash Flow $6245M
Free Cash Flow $6041M
Capital Spending $-204M
OCF Growth YoY 19.4%
FCF Growth YoY 0.4%
FCF/Sales 49.5%
CapEx/Sales 1.7%
Understanding Operational Efficiency Metrics

What these metrics mean: These ratios measure how effectively Discover Financial Services uses its assets and manages working capital.

How to read them: Higher turnover ratios indicate efficient asset utilization. Shorter collection periods show effective credit management.

For Discover Financial Services: An asset turnover of 0.11x suggests room for improvement in asset utilization.

Asset Turnover 0.11x
Receivables Turnover 5.8x
Fixed Assets Turnover 12.2x
Days Sales Outstanding 63 days
Payables Period 150 days
Understanding Financial Statement Data

What these metrics mean: Key figures from Discover Financial Services's income statement and balance sheet showing absolute financial performance.

How to read them: Revenue shows business scale, while margins indicate profitability. Balance sheet items reveal financial structure.

For Discover Financial Services: With annual revenue of $12194M, Discover Financial Services operates at significant scale.

Income Statement ($ Millions)
Total Revenue $12194M
Operating Income $-9M
Net Income $2901M
R&D Expense $38M
SG&A Expense $23M
Cost of Goods Sold $27M
Balance Sheet Highlights ($ Millions)
Total Current Assets $73M
Cash & Short-term Investments $10M
Total Liabilities $87M
Short-term Debt $2M
Accounts Receivable $1M
Dividend & Shareholder Information
Dividends Per Share $1.40
Payout Ratio 0.1%
Shares Outstanding 257M
Growth Metrics (YoY)
EPS Growth 6.3%

Latest Discover Financial Services Stock News & Market Analysis

Breaking news, analyst reports, and market updates affecting Discover Financial Services (DFS) stock price and investment outlook.

📰 We are currently updating our news feed for Discover Financial Services. Check back soon for the latest market analysis and company updates.

Discover Financial Services Competitors & Peer Analysis - Finance Sector

Comparative analysis of Discover Financial Services against industry peers and competitors in the Finance sector, featuring AI-powered forecasts and key financial metrics.

Company Ticker Symbol 90-Day AI Forecast Market Cap (USD M) P/E Ratio P/B Ratio
AFRM Unlock Forecast $30167M 578.1x 9.8x
ATLC Unlock Forecast $1361M 11.1x 2.4x
ATLCL Unlock Forecast $516M 4.2x 0.9x
ATLCP Unlock Forecast $484M 3.9x 0.9x
ATLCZ Unlock Forecast $521M 4.2x 0.9x
BFH Unlock Forecast $3204M 11.2x 1.0x
CACC Unlock Forecast $6189M 14.6x 4.0x
DFS Unlock Forecast $2M 13.4x 0.0x
ENVA Unlock Forecast $3283M 12.8x 2.7x
LC Unlock Forecast $1992M 26.9x 1.4x
LPRO Unlock Forecast $252M 106.1x 3.2x
NNI Unlock Forecast $3131M 6.9x 1.0x
OMF Unlock Forecast $7403M 11.2x 2.2x
RM Unlock Forecast $437M 12.6x 1.2x
SLM Unlock Forecast $6697M 15.1x 2.8x
SLMBP Unlock Forecast $16301M 36.9x 6.9x
WRLD Unlock Forecast $886M 11.5x 2.0x

Frequently Asked Questions - Discover Financial Services Stock Forecast

How accurate are Discover Financial Services stock predictions?

Our AI model demonstrates -5% historical accuracy for DFS predictions, based on advanced machine learning algorithms trained on over 10 years of market data.

What factors influence Discover Financial Services stock price forecasts?

Our analysis considers Discover Financial Services's financial metrics, Finance sector trends, market sentiment, technical indicators, earnings data, and macroeconomic factors affecting stock performance.

Is Discover Financial Services a good investment in 2025?

Based on our AI analysis, Discover Financial Services shows potential for various market scenarios. Consider your risk tolerance, investment timeline, and portfolio diversification before making investment decisions.

How often are Discover Financial Services forecasts updated?

Discover Financial Services stock forecasts are updated daily using real-time market data, ensuring you receive the most current AI-powered predictions and investment insights.

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