Bloomberg Anywhere Remote Login Bloomberg Terminal Demo Request


Connecting decision makers to a dynamic network of information, people and ideas, Bloomberg quickly and accurately delivers business and financial information, news and insight around the world.


Financial Products

Enterprise Products


Customer Support

  • Americas

    +1 212 318 2000

  • Europe, Middle East, & Africa

    +44 20 7330 7500

  • Asia Pacific

    +65 6212 1000


Industry Products

Media Services

Follow Us

Bloomberg Customers

Last $46.25 USD
Change Today -0.06 / -0.13%
Volume 5.4M
DFS On Other Exchanges
New York
As of 8:04 PM 02/5/16 All times are local (Market data is delayed by at least 15 minutes).
text size: T | T
Back to Snapshot
Company Description

Contact Info

2500 Lake Cook Road

Riverwoods, IL 60015

United States

Phone: 224-405-0900


compliance with PULSE's operating rules and policies applicable to that institution's debit cards, ATMs and, if applicable, sponsored merchants, direct processors and independent sales organizations. When PULSE enters into a network-to-network agreement with another debit network, the other network's participating financial institutions' debit cards can be used at terminals in the PULSE. PULSE does not have a direct relationship with these financial institutions and the other network bears the financial responsibility for transactions of those financial institutions' cardholders and for ensuring compliance with PULSE's operating rules. Diners Club The company’s Diners Club business maintains an acceptance network in approximately 185 countries and territories through its relationships with approximately 80 licensees, which are generally financial institutions. The company also earns revenue from providing various support services to its Diners Club licensees, including processing and settlement of cross border transactions. The company also provides a centralized service center and Internet services to its licensees. The company works with merchant acquirers to offer Diners Club and Discover acceptance to their merchants. These acquirers are granted licenses to market the Diners Club brands to existing and new merchants. As the company continues to work toward achieving full card acceptance across its networks, Discover customers are using their cards at an increasing number of merchant and ATM locations that accept Diners Club cards around the world. Diners Club cardholders with cards issued by licensees outside of North America continue to use their cards on the Discover Network in North America and on the PULSE and Diners Club network domestically and internationally. Network Partners Business The company has agreements with various financial institutions, networks and commercial service providers for issuance of products or processing of payments on Discover networks. The company refers to these financial institutions, networks and commercial service providers as Network Partners. The credit card, student loan, personal loan, home loan, home equity loan and deposit products issued through the company’s Direct Banking segment require significant consumer portfolio investments in risk management, marketing, customer service and related technology, whereas the operation of its Payment Services business requires that the company invests in the technology to manage risk and service network partners, merchants, and merchant acquirer relationships. Credit Risk Management Credit risk management is a critical component of the company’s management and growth strategy. The company’s credit risk arising from consumer lending products is generally highly diversified across millions of accounts without significant individual exposures. The company manages credit risk primarily based on customer segments and product types. Account Acquisition (New Customers) The company acquires new credit card customers through direct mail, Internet, media advertising, merchant or partner relationships, or through unsolicited individual applications. The company also acquires new student loan, personal loan and home loan customers through similar channels. In all cases the company has a rigorous process for screening applicants. To identify credit-worthy prospective customers, the company’s credit risk management and marketing teams use proprietary analytical tools to match its product offerings with customer’s needs. The company considers the prospective customer's financial stability, as well as ability and willingness to pay. The company assesses the creditworthiness of each consumer loan applicant through evaluating applicant’s credit information provided by credit bureaus and information from other sources. The assessment is performed using its credit scoring systems, both externally developed and proprietary. For its unsecured lending products, the company also uses credit underwriters to supplement its automated decision-making processes. Portfolio Management (Existing Customers) The revolving na


Stock Quotes

Market data is delayed at least 15 minutes.

Company Lookup
Recently Viewed
DFS:US $46.25 USD -0.06

DFS Competitors

Market data is delayed at least 15 minutes.

Company Last Change
Alliance Data Systems Corp $187.22 USD -10.19
Fidelity National Information Services Inc $58.54 USD -1.61
Regions Financial Corp $7.80 USD -0.10
State Street Corp $54.42 USD -0.69
Synchrony Financial $25.23 USD -1.08
View Industry Companies

Industry Analysis


Industry Average

Valuation DFS Industry Range
Price/Earnings 9.0x
Price/Sales 2.3x
Price/Book 1.7x
Price/Cash Flow 8.6x
TEV/Sales NM Not Meaningful

Sponsored Financial Commentaries

Sponsored Links

Request Profile Update

Only a company representative may request an update for the company profile. Documentation will be required.

To contact DISCOVER FINANCIAL SERVICES, please visit Company data is provided by Capital IQ. Please use this form to report any data issues.

Please enter your information in the following field(s):
Update Needed*

All data changes require verification from public sources. Please include the correct value or values and a source where we can verify.

Your requested update has been submitted

Our data partners will research the update request and update the information on this page if necessary. Research and follow-up could take several weeks. If you have questions, you can contact them at