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Trefis has a Price Estimate of $59 for Discover Financial's Stock
Trefis Price Estimate for Discover Financial
What Does Discover Financial Offer?
Discover Financial Services is a leading credit card issuer and an electronic payment services company in the United States. Apart from credit cards, the firm offers personal loans, student loans, and deposit products.
The company operates a closed-loop payments network, where it acts as an Issuer (financial institutions that issue credit/debit card to customers) and an Acquirer (financial institutions that acquire merchants to increase credit/debit card acceptability).
Retail Customers, Small Businesses and Corporates
What Are The Alternatives?
American Express, Capital One, Mastercard, VIsa
#1. Estimating Discover Financial's Total Revenues:
Discover Financial's Revenues have seen a significant increase of 15.8% from around $9.9 billion in FY2017 to $11.5 billion in FY2019 and we expect it to fall to $11.4 billion in FY2021
A Separate Interactive Dashboard Analysis On Discover Financial's Revenues Details How The Company Makes Money.
Total Revenue [A+B+C+D]
Discover Credit Cards [A]
Student & Personal Loans [B]
Payment Services [C]
Investment Gains & Other Income [D]
#2. Deriving Discover Financial's Adjusted Net Income:
Discover Financial's Adjusted Net Income has increased from around $2.0 billion in FY2017 to $2.9 billion in FY2019 and we expect it to fall to $1.7 billion in FY2021
This change is likely to be led by lower revenues and weaker margins.
A Separate Interactive Dashboard Analysis On Discover Financial's Margins Highlights The Company's Various Expenses Components In Detail.
Adjusted Net Income [AxB]
Adjusted Net Income Margin [A]
Total Revenue [B]
#3. Determining Discover Financial's Adjusted EPS:
Discover Financial's Adjusted EPS has increased from $5.43 in FY2017 to $9.09 in FY2019 and we expect it to fall to $5.94 in FY2021
The change in EPS can be attributed to a reduction in adjusted net income and a lower expected share count due to stock repurchases.
Adjusted EPS [A÷B]
Adjusted Net Income [A]
Shares Outstanding [B]
#4. Estimating Discover Financial's Share Price:
Our Price Estimate of $59 For Discover Financial's Stock is based on our Detailed Valuation Model, and implies a 9.9x P/E Multiple on expected FY2021 Adjusted EPS of $5.94
Trefis Price Estimate [AxB]
Adjusted EPS [A]
P/E Multiple [B]