Discover Financial Services, through its subsidiaries, provides digital banking products and services, and payment services in the United States. It operates in two segments, Digital Banking and Payment Services. The Digital Banking segment offers Discover-branded credit cards to individuals; private student loans, personal loans, home loans, and other consumer lending; and direct-to-consumer deposit products comprising savings accounts, certificates of deposit, money market accounts, IRA certificates of deposit, IRA savings accounts and checking accounts, and sweep accounts. The Payment Services segment operates the PULSE, an automated teller machine, debit, and electronic funds transfer network; and Diners Club International, a payments network that issues Diners Club branded charge cards and/or provides card acceptance services, as well as offers payment transaction processing and settlement services. The company was incorporated in 1960 and is based in Riverwoods, Illinois.

Discover Financial Services

Affirm is a financial technology company that provides point-of-sale financing and consumer credit solutions. Self-described as enabling consumers to make flexible payment options while shopping online.

Affirm

Populus Financial Group offers financial services including deposit accounts and prepaid debit cards, while ensuring compliance with identity verification requirements as mandated by the USA PATRIOT Act.

Populus Financial Group

Privacy Power provides guidance on privacy compliance and GDPR to help businesses implement practical solutions for their privacy obligations.

Metric
Company Name	Discover Financial Services	Affirm	Populus Financial Group	Privacy Power
Symbol	DFS
MSH ID	COM:DISCOVER	COM:AFFFIRM	COM:POPULUSFINANCIAL	EU:PRIVACYPOWER
Market	STOCKS	PRIVATE	PRIVATE	PRIVATE
Sector	Financial Services	Financial Services & Finance	Financial Services & Finance	Commercial & Professional Services
Industry	Financial - Credit Services	Financial Technology	Consumer Finance	Legal Services
Country	US	US	US	EU
Stage
Employee Count	21.10K
Website	discover.com	afffirm.com	populusfinancial.com	privacypower.eu
LinkedIn				privacy-power
Founders

Metric
Market Cap	32.38B
Enterprise Value
Monthly Web Traffic		22.24M	472	49.08K
Web Traffic Growth		0.12	-0.99	0.05
Valuation
Raised Capital				200K

Metric
Revenue	20.61B
Revenue (LTM)
Revenue (NTM)
Gross Profit	20.61B
EBITDA	168M
Operating Income	17.11B
Net Income	2.94B
EPS	11.26
Diluted EPS	11.26
Revenue 2022
Revenue 2023
Revenue 2024
Revenue 2025
Revenue 2026

Metric
Revenue Growth (LTM)
Revenue Growth (NTM)
Gross Profit Growth (LTM)
EBITDA Growth (LTM)
Net Income Growth (LTM)
14-Day Growth Score
28-Day Growth Score
90-Day Growth Score
365-Day Growth Score

Metric
Gross Profit Margin	1
Operating Profit Margin	0.50
EBITDA Margin	0.01
Net Profit Margin	0.17
Return on Equity	0.21
Return on Assets	0.02
Return on Capital Employed	0.07

COM:DISCOVER

Discover Financial Services

Last Close

174.91

22/11 21:00

Market Cap

32.38B

Beta: -

Volume Today

1.06M

Avg: -

Company Overview

Market Metrics

Financial Performance

Growth Metrics

Profitability Ratios

Valuation Multiples

Operational Metrics

Cash Flow Metrics

Balance Sheet Metrics

Efficiency Metrics

Metric
P/E Ratio	7.44
P/B Ratio	1.88
Revenue Multiple (LTM)
Revenue Multiple (NTM)
EBITDA Multiple (LTM)
EBITDA Multiple (NTM)
Price to Sales Ratio	1.84
EV Multiple	31.09

Metric
Days Sales Outstanding	2.70K
Days Payables Outstanding
Days Inventory Outstanding
Operating Cycle
Cash Conversion Cycle
Asset Turnover	0.14

Metric
Operating Cash Flow	8.56B
Free Cash Flow	8.26B
Cash Flow to Debt	0.51
Operating Cash Flow/Sales	0.50
Free Cash Flow Yield	0.28

Metric
Cash & Equivalents	11.69B
Accounts Receivable
Inventory
Goodwill	255M
Debt to Capitalization	0.59
Debt to Assets	0.14
Current Ratio
Quick Ratio	28.78

Metric
Rule of 40 (LTM)
Rule of 40 (NTM)
Stock Comp to Revenue	0.20
R&D to Revenue
SG&A to Revenue	0.15