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Last $53.95 USD
Change Today -0.49 / -0.90%
Volume 3.1M
DFS On Other Exchanges
New York
As of 8:04 PM 08/28/15 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


iscover Websites. The company also markets home loans to non-Discover customers through direct mail, Internet advertising, including search engine marketing, display banners, Internet lead aggregators, rate tables on financial Websites and social media. Consumers can apply for or obtain information about home loans by mail or online, or they can speak directly to a dedicated mortgage banker over the phone. Loans are funded and closed using proceeds principally from borrowings under a third-party warehouse line of credit. Substantially all funded loans and the related loan servicing rights are sold to investors in the secondary market, generally within 30 days of funding. The proceeds from such sales are used to repay borrowings under the warehouse line of credit. In addition to funding loans, the company offers escrow and title services to home loan customers. The company offers closed-end home equity loans to help consumers improve their homes, as well as payoff higher interest debt. These loans are fixed term and rate loans that provide consumers the stability of a fixed payment on their obligation while being secured against the equity in their homes. The company markets this product primarily to existing card customers through a mix of direct mail, Internet advertising and email. Non-Discover customers can obtain information regarding Discover home equity products on its website and have the ability to apply by calling a personal banker. Deposits The company obtains deposits from consumers directly or through affinity relationships (direct-to-consumer deposits) and through third-party securities brokerage firms that offer its deposits to their customers (brokered deposits). The company’s deposit products include certificates of deposit, money market accounts, savings accounts, checking accounts and Individual Retirement Arrangement (IRA) certificates of deposit. The company markets its direct-to-consumer deposit products to its existing customer base and other prospective customers through the use of its website, mobile platform, print materials, affinity arrangements with third parties and Internet advertising. Customers can apply for, fund, and service their deposit accounts online or through phone, where the company has a dedicated U.S. based staff within its call centers to service deposit accounts. Payment Services This segment includes PULSE, Diners Club and its Network Partners business, which provides payment transaction processing and settlement services on the Discover Network. PULSE The company’s PULSE is a debit/ATM network. PULSE links cardholders of approximately 7,200 financial institutions with ATMs and POS terminals located throughout the United States. This includes approximately 3,700 financial institutions with which PULSE has direct relationships and approximately 3,400 additional financial institutions through agreements PULSE has with other debit networks. PULSE also provides cash access at 1.6 million ATMs in 130 countries. PULSE’s primary source of revenue is transaction fees charged for switching and settling ATM, personal identification number (PIN) POS debit and signature debit transactions initiated through the use of debit cards issued by participating financial institutions. In addition, PULSE offers various optional products and services that produce income for the network, including signature debit transaction processing, debit card fraud detection and risk mitigation services, and connections to other regional and national electronic funds transfer networks. When a financial institution joins the PULSE, debit cards issued by that institution are eligible to be used at all of the ATMs and PIN POS debit terminals that participate in the PULSE, and the PULSE mark can be used on that institution's debit cards and ATMs. In addition, financial institution participants may sponsor merchants, direct processors and independent sales organizations to participate in the PULSE PIN POS and ATM debit service. A participating financial institution assumes liability for transactions initiated through the use of debit cards issued by that institution, as well as for ensuring


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Industry Analysis


Industry Average

Valuation DFS Industry Range
Price/Earnings 11.2x
Price/Sales 3.4x
Price/Book 2.2x
Price/Cash Flow 10.5x
TEV/Sales NM Not Meaningful

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