Discover Financial Services
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+ FollowMarket Cap$50.34B
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Earnings Call Q1 2025
April 24, 2025 - AI Summary
Merger Approval with Capital One: Discover Financial Services received regulatory approval from the Federal Reserve Board and the Office of the Controller of the Currency for its merger with Capital One, expected to close on May 18, 2025. This merger is anticipated to create increased competition in payment networks and provide broader product offerings for customers, while also benefiting communities and shareholders.
Strong Financial Performance: The first quarter of 2025 saw net income rise to $1.1 billion, a 30% increase year-over-year (YOY), driven by a healthy net interest margin and positive credit performance. Earnings per share also increased by 31%, indicating robust operational efficiency.
Net Interest Margin Expansion: Discover's net interest margin was reported at 12.18%, up 115 basis points YOY and 22 basis points sequentially. This improvement is attributed to factors including a student loan sale, changes in the card promotional balance mix, and reduced consumer deposit pricing, showcasing effective management of interest income.
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$158.36
20.8% downside
Current Fair Value
20.8% downsideOvervalued by 20.8% based on the discounted cash flow analysis.
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Share Statistics
| Market cap | $50.34 Billion |
|---|---|
| Enterprise Value | $38.48 Billion |
| Annual dividend | $2.80 |
| Dividend yield | 1.40% |
| Earnings per Share | $17.71 |
| Beta | 1.15 |
| Outstanding Shares | 252,000,000 |
Return
| Return on Equity | 19.97% |
|---|---|
| Return on Assets | 2.56% |
| Return on Invested Capital | 1.83% |
Valuation & Multiples
| P/E Ratio | 11.3 |
|---|---|
| PEG | -11.3 |
| Price to Sales | 3.03 |
| Price to Book Ratio | 2.67 |
| Enterprise Value to Revenue | 2.31 |
| Enterprise Value to EBIT | 14.25 |
| Enterprise Value to Net Income | 10 |
| Total Debt to Enterprise | 0 |
| Debt to Equity | 0 |
Revenue Sources
No data
Institutional Sentiment (Put/Call)
No data available for the latest quarter.
Institutional Ownership
No data available for the latest quarter.
About Discover Financial Services
CEO: Roger Hochschild
