Discover Financial Services is a bank operating in two distinct segments: direct banking and payment services. The company issues credit and debit cards and provides other consumer banking products including deposit accounts, students loans, and other personal loans. It also operates the Discover, Pulse, and Diners Club networks. The Discover network is the fourth-largest payment network in the United States as ranked by overall purchase volume, and Pulse is one of the largest ATM networks in the country.

Financial Strength

3/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	1.37
Equity-to-Asset	0.1
Debt-to-Equity	1.39
Debt-to-EBITDA	N/A	N/A	N/A
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	5/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-2.36	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

9/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	20
	3-Year EPS without NRI Growth Rate	44.4
	3-Year FCF Growth Rate	18.9
	3-Year Book Growth Rate	19.8
	Future 3-5Y EPS without NRI Growth Rate	3.3
	Future 3-5Y Total Revenue Growth Rate	3.63

Momentum Rank

5/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	97.96
	9-Day RSI	98.16
	14-Day RSI	98.24

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	2.19
	Dividend Payout Ratio	0.32
	3-Year Dividend Growth Rate	15.3
	Forward Dividend Yield %	2.19
	5-Year Yield-on-Cost %	3.84
	3-Year Average Share Buyback Ratio	6.6
	Shareholder Yield %	6.86

Profitability Rank

6/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	13.96
	FCF Margin %	50.59
	ROE %	15.84
	ROA %	1.59
	Years of Profitability over Past 10-Year	10

GF Value Rank

9/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	14.45
	Forward PE Ratio	11.26
	PE Ratio without NRI	14.45
	Shiller PE Ratio	12.77
	Price-to-Owner-Earnings	12.08
	PEG Ratio	1.2
	PS Ratio	1.95
	PB Ratio	2.16
	Price-to-Tangible-Book	2.2
	Price-to-Free-Cash-Flow	3.89
	Price-to-Operating-Cash-Flow	3.75
	EV-to-Revenue	1.49
	EV-to-Forward-Revenue	3.09
	EV-to-FCF	2.94
	Price-to-Projected-FCF	0.3
	Price-to-DCF (Earnings Based)	0.81
	Price-to-DCF (FCF Based)	0.16
	Price-to-Median-PS-Value	0.76
	Price-to-Peter-Lynch-Fair-Value	0.86
	Price-to-Graham-Number	1.19
	FCF Yield %	26.01
	Forward Rate of Return (Yacktman) %	30.63

GF Value: $172.7

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