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Last $58.45 USD
Change Today +0.03 / 0.05%
Volume 2.1M
DFS On Other Exchanges
Symbol
Exchange
New York
Berlin
As of 8:04 PM 07/2/15 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

Fax:

ture of the company’s credit card loans requires that it regularly assess the credit risk exposure of such accounts. This assessment uses the individual's Discover account performance information, as well as information from credit bureaus. Customer Assistance The company provides its customers with various tools to proactively manage their accounts, including electronic payment reminders and a Website dedicated to customer education. These tools are designed to limit a customer's risk of becoming delinquent. The company reevaluates its collection efforts, and considers the implementation of other techniques, as a customer becomes increasingly delinquent. Deposits The company offers four main types of deposit products directly to consumers on a national basis: certificates of deposit, savings accounts, money market and checking accounts. All of these deposits are the Federal Deposit Insurance Corporation (FDIC) insured to the maximum extent permitted by law. The company offers a range of ownership options, including single, joint, trust and custodial. Deposit accounts may be funded through electronic fund transfer, check or wire transfer. Certificates of deposit are offered on a range of tenors from 3 months through 10 years with interest rates that are fixed for the full period. The company provides automatic renewal along with options on reinvestment or disbursement of interest. The company also issues certificates of deposit through select contracted brokerage firms. All of these deposits are also FDIC-insured to the maximum extent permitted by law. Protection Products The company services and maintains existing enrollments in the following protection products for its credit card customers. Identity Theft Protection: The most comprehensive identity theft monitoring product the company offers includes an initial credit report, credit bureau report monitoring at the three major credit bureaus, prompt alerts to key changes to credit bureau files that help customers spot possible identity theft quickly, Internet surveillance to monitor up to 20 credit and debit card numbers on suspicious Websites, identity theft insurance up to $25,000 to cover certain out-of-pocket expenses due to identity theft, and access to knowledgeable professionals who can provide information about identity theft issues. Payment Protection: This product allows customers to suspend their payments for up to two years, depending on the qualifying event and product level, when certain hardships occur. This product covers various different events, such as unemployment, disability, natural disasters or other life events, such as marriage or birth of a child. Wallet Protection: This product offers one-call convenience if a customer's wallet is lost or stolen, including requesting cancellation and replacement of the customer's credit and debit cards, monitoring the customer's credit bureau reports at the three major credit bureaus for 180 days and alerting them to key changes to their credit files, providing up to $100 to replace the customer's wallet or purse and, if needed, allowing the customer up to a $1,000 cash advance on Discover card account. Credit ScoreTracker: This product offers customers resources that help them understand and monitor their credit scores. Credit ScoreTracker is specifically designed for score monitoring by alerting customers when their score changes, allowing customers to set a target score, and providing resources to help customers understand the factors that may be influencing their scores. The company’s credit card customers can purchase online service warranties from its extended warranty provider to protect purchases of new electronics and appliances, as well as certain other purchases. Processing Services The company’s processing services cover four functional areas: card personalization/embossing, print/mail, remittance processing and document processing. Card personalization/embossing is responsible for the embossing and mailing of plastic credit cards for new accounts, replacements and reissues, and gift cards. Print/mail specializes in statement and letter printing and mailing

 

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DFS:US $58.45 USD +0.03

DFS Competitors

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Company Last Change
Alliance Data Systems Corp $295.72 USD +2.86
Fidelity National Information Services Inc $62.37 USD +0.05
Regions Financial Corp $10.27 USD -0.14
State Street Corp $77.01 USD -0.42
Synchrony Financial $33.14 USD -0.18
View Industry Companies
 

Industry Analysis

DFS

Industry Average

Valuation DFS Industry Range
Price/Earnings 12.0x
Price/Sales 3.7x
Price/Book 2.4x
Price/Cash Flow 11.4x
TEV/Sales NM Not Meaningful
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