Discover Financial Services
DFS · NYSE
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Key indicators
DFS profitability and balance sheet ratios
Book value per share $75.25 in Q1 FY25, up 28.2% on a year earlier.
| Period | Book value per share |
|---|---|
| Q2 FY23 | $54.77 |
| Q3 FY23 | $56.94 |
| Q4 FY23 | $59.08 |
| Q1 FY24 | $58.68 |
| Q2 FY24 | $63.78 |
| Q3 FY24 | $68.16 |
| Q4 FY24 | $71.13 |
| Q1 FY25 | $75.25 |
Where the money went
Q1 FY25, from revenue to net income
Discover Financial Services brought in $5.5B of revenue in Q1 FY25, −2.3% on a year earlier. 19¢ of every dollar became profit.
- Revenue
- $5.5B
- Costs, expenses and taxes
- $4.4B
- Net income
- $1.1B
- Net margin
- 19.5%
Income statement
Revenue and profit by reporting period
| Line item | Q3 FY24 | Q4 FY24 | Q1 FY25 |
|---|---|---|---|
| Revenue | $5.9B | $6.1B | $5.5B |
| Gross profit | $4.5B | $4.8B | $4.3B |
| Operating income | $1.2B | $1.7B | $1.4B |
| Net income | $0.8B | $1.3B | $1.1B |
| Diluted EPS | $3.32 | $5.10 | $4.25 |
Balance sheet
What the company owns and owes at period end
| Line item | Sep 2024 | Dec 2024 | Mar 2025 |
|---|---|---|---|
| Total assets | $151.6B | $147.6B | $147.9B |
| Total liabilities | $134.5B | $129.7B | $129.0B |
| Shareholder equity | $17.1B | $17.9B | $19.0B |
| Total debt | $17.1B | $15.7B | $14.0B |
Cash flow
Cash in and out from operations, investing and financing
| Line item | Q3 FY24 | Q4 FY24 | Q1 FY25 |
|---|---|---|---|
| Operating cash flow | $2.0B | $2.0B | $2.1B |
| Investing cash flow | −$2.2B | $0.6B | $3.0B |
| Financing cash flow | $0.1B | −$4.9B | −$0.8B |
| Capital expenditure | −$0.1B | −$0.1B | −$0.1B |
| Free cash flow | $2.0B | $1.9B | $2.1B |
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