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Last €53.65 EUR
Change Today +0.011 / 0.02%
Volume 0.0
DC7 On Other Exchanges
New York
As of 1:01 PM 11/27/15 All times are local (Market data is delayed by at least 15 minutes).
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Company Description

Contact Info

2500 Lake Cook Road

Riverwoods, IL 60015

United States

Phone: 224-405-0900


Discover Financial Services operates as a direct banking and payment services company in the United States. The company offers its customers credit card loans, private student loans, personal loans, home loans, home equity loans and deposit products. Discover Bank, the company’s main banking subsidiary, offers credit card loans, student loans, personal loans and home equity loans as well as certificates of deposit, savings and checking accounts and other types of deposit accounts. The company offers its customers credit card loans, private student loans, personal loans, home loans, home equity loans and deposit products. It operates the Discover Network, the PULSE network (PULSE), and Diners Club International (Diners Club). The Discover Network processes transactions for Discover-branded credit cards and provides payment transaction processing and settlement services. PULSE operates an electronic funds transfer network, providing financial institutions issuing debit cards on the PULSE with access to ATMs domestically and internationally, as well as point-of-sale (POS) terminals at retail locations throughout the U.S. for debit card transactions. Diners Club is a global payments network of licensees, which are generally financial institutions, that issue Diners Club branded charge cards and/or provide card acceptance services. Segments The company operates through two segments, Direct Banking and Payment Services. Direct Banking This segment includes consumer banking and lending products, specifically Discover-branded credit cards issued to individuals on the Discover Network and other consumer banking products and services, including private student loans, personal loans, home loans, home equity loans, prepaid cards and other consumer lending and deposit products. Credit Cards The company offers credit cards issued to consumers. Its credit card customers' transactions in the U.S. are processed over the Discover Network. Where the company has a direct relationship with a merchant, which is the case with respect to its large merchants representing a majority of Discover card sales volume, the company receives discount and fee revenue from merchants. Student Loans The company’s private student loans are available to students attending eligible non-profit four-year undergraduate and graduate schools. The company also offers certain post-graduate loans, including bar study and residency loans. The company encourages students to borrow responsibly and maximize grants, scholarships and other free financial aid before taking student loans. The company offers fixed and variable rate private student loans originated by Discover Bank. The company markets its student loans online and through direct mail and email to existing and potential customers. The company also works with school financial aid offices to create awareness of its products with students. Students can apply for its student loans online, by phone, or by mail, and the company has dedicated staff within its call centers to service student loans. Personal Loans The company’s personal loans are unsecured loans with fixed interest rates, terms and payments. These loans are primarily intended to help customers consolidate existing debt, although they can be used for other reasons. The company generally market personal loans to its existing credit card customers through direct mail, statement inserts and email. The company also markets personal loans to non-Discover customers through direct mail. Customers can submit applications through phone, online or through the mail, and can service their accounts online or by phone. Home Loans and Home Equity Loans The company offers home mortgage loans and related services to help consumers finance home purchases and refinance existing home mortgages. The company offers prime adjustable, fixed-rate conforming, jumbo, Federal Housing Administration (FHA) and U.S. Department of Veterans Affairs (VA) first lien loans to qualified applicants. The company generally markets home loans to existing Discover customers through direct mail, email, statement envelopes and inserts, and advertising on D


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Valuation DC7 Industry Range
Price/Earnings 11.7x
Price/Sales 3.5x
Price/Book 2.3x
Price/Cash Flow 11.0x
TEV/Sales NM Not Meaningful

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