Discover Finl DFS has been analyzed by 9 analysts in the last three months, revealing a diverse range of perspectives from bullish to bearish.
The table below provides a snapshot of their recent ratings, showcasing how sentiments have evolved over the past 30 days and comparing them to the preceding months.
| Bullish | Somewhat Bullish | Indifferent | Somewhat Bearish | Bearish | |
|---|---|---|---|---|---|
| Total Ratings | 2 | 2 | 5 | 0 | 0 |
| Last 30D | 0 | 0 | 1 | 0 | 0 |
| 1M Ago | 2 | 1 | 2 | 0 | 0 |
| 2M Ago | 0 | 1 | 1 | 0 | 0 |
| 3M Ago | 0 | 0 | 1 | 0 | 0 |
The 12-month price targets, analyzed by analysts, offer insights with an average target of $194.22, a high estimate of $239.00, and a low estimate of $146.00. This upward trend is evident, with the current average reflecting a 25.0% increase from the previous average price target of $155.38.
Deciphering Analyst Ratings: An In-Depth Analysis
The standing of Discover Finl among financial experts becomes clear with a thorough analysis of recent analyst actions. The summary below outlines key analysts, their recent evaluations, and adjustments to ratings and price targets.
| Analyst | Analyst Firm | Action Taken | Rating | Current Price Target | Prior Price Target |
|---|---|---|---|---|---|
| Donald Fandetti | Wells Fargo | Raises | Equal-Weight | $214.00 | $185.00 |
| Richard Shane | JP Morgan | Lowers | Neutral | $146.00 | $150.00 |
| Erika Najarian | UBS | Raises | Buy | $239.00 | $150.00 |
| Brian Foran | Truist Securities | Announces | Buy | $233.00 | - |
| Terry Ma | Barclays | Raises | Overweight | $186.00 | $137.00 |
| Donald Fandetti | Wells Fargo | Raises | Equal-Weight | $185.00 | $160.00 |
| Richard Shane | JP Morgan | Raises | Neutral | $150.00 | $135.00 |
| Sanjay Sakhrani | Keefe, Bruyette & Woods | Raises | Outperform | $232.00 | $170.00 |
| John Pancari | Evercore ISI Group | Raises | In-Line | $163.00 | $156.00 |
Key Insights:
- Action Taken: Analysts adapt their recommendations to changing market conditions and company performance. Whether they 'Maintain', 'Raise' or 'Lower' their stance, it reflects their response to recent developments related to Discover Finl. This information provides a snapshot of how analysts perceive the current state of the company.
- Rating: Analysts unravel qualitative evaluations for stocks, ranging from 'Outperform' to 'Underperform'. These ratings offer insights into expectations for the relative performance of Discover Finl compared to the broader market.
- Price Targets: Analysts navigate through adjustments in price targets, providing estimates for Discover Finl's future value. Comparing current and prior targets offers insights into analysts' evolving expectations.
Navigating through these analyst evaluations alongside other financial indicators can contribute to a holistic understanding of Discover Finl's market standing. Stay informed and make data-driven decisions with our Ratings Table.
Stay up to date on Discover Finl analyst ratings.
Get to Know Discover Finl Better
Discover Financial Services is a bank operating in two distinct segments: direct banking and payment services. The company issues credit and debit cards and provides other consumer banking products including deposit accounts and personal loans. It also operates the Discover, Pulse, and Diners Club networks. The Discover network is the fourth-largest payment network in the United States as ranked by overall purchase volume, and Pulse is one of the largest ATM networks in the country.
Financial Insights: Discover Finl
Market Capitalization Analysis: With an elevated market capitalization, the company stands out above industry averages, showcasing substantial size and market acknowledgment.
Revenue Growth: Over the 3 months period, Discover Finl showcased positive performance, achieving a revenue growth rate of 6.87% as of 31 December, 2024. This reflects a substantial increase in the company's top-line earnings. When compared to others in the Financials sector, the company excelled with a growth rate higher than the average among peers.
Net Margin: Discover Finl's net margin is impressive, surpassing industry averages. With a net margin of 26.98%, the company demonstrates strong profitability and effective cost management.
Return on Equity (ROE): Discover Finl's ROE excels beyond industry benchmarks, reaching 7.56%. This signifies robust financial management and efficient use of shareholder equity capital.
Return on Assets (ROA): Discover Finl's financial strength is reflected in its exceptional ROA, which exceeds industry averages. With a remarkable ROA of 0.86%, the company showcases efficient use of assets and strong financial health.
Debt Management: Discover Finl's debt-to-equity ratio is below the industry average at 0.91, reflecting a lower dependency on debt financing and a more conservative financial approach.
Analyst Ratings: Simplified
Experts in banking and financial systems, analysts specialize in reporting for specific stocks or defined sectors. Their comprehensive research involves attending company conference calls and meetings, analyzing financial statements, and engaging with insiders to generate what are known as analyst ratings for stocks. Typically, analysts assess and rate each stock once per quarter.
In addition to their assessments, some analysts extend their insights by offering predictions for key metrics such as earnings, revenue, and growth estimates. This supplementary information provides further guidance for traders. It is crucial to recognize that, despite their specialization, analysts are human and can only provide forecasts based on their beliefs.
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