In the last three months, 11 analysts have published ratings on Discover Financial servs DFS, offering a diverse range of perspectives from bullish to bearish.
The table below summarizes their recent ratings, showcasing the evolving sentiments within the past 30 days and comparing them to the preceding months.
| Bullish | Somewhat Bullish | Indifferent | Somewhat Bearish | Bearish | |
|---|---|---|---|---|---|
| Total Ratings | 4 | 2 | 5 | 0 | 0 |
| Last 30D | 1 | 0 | 0 | 0 | 0 |
| 1M Ago | 0 | 0 | 0 | 0 | 0 |
| 2M Ago | 1 | 1 | 3 | 0 | 0 |
| 3M Ago | 2 | 1 | 2 | 0 | 0 |
The 12-month price targets assessed by analysts reveal further insights, featuring an average target of $206.55, a high estimate of $262.00, and a low estimate of $146.00. This upward trend is apparent, with the current average reflecting a 14.62% increase from the previous average price target of $180.20.
Diving into Analyst Ratings: An In-Depth Exploration
In examining recent analyst actions, we gain insights into how financial experts perceive Discover Financial servs. The following summary 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 |
|---|---|---|---|---|---|
| Brian Foran | Truist Securities | Lowers | Buy | $219.00 | $262.00 |
| Brian Foran | Truist Securities | Raises | Buy | $262.00 | $233.00 |
| Karl Shepard | RBC Capital | Raises | Sector Perform | $210.00 | $193.00 |
| Richard Shane | JP Morgan | Raises | Neutral | $169.00 | $146.00 |
| Terry Ma | Barclays | Raises | Overweight | $209.00 | $186.00 |
| 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 |
Key Insights:
- Action Taken: In response to dynamic market conditions and company performance, analysts update their recommendations. Whether they 'Maintain', 'Raise', or 'Lower' their stance, it signifies their reaction to recent developments related to Discover Financial servs. This insight gives a snapshot of analysts' perspectives on the current state of the company.
- Rating: Gaining insights, analysts provide qualitative assessments, ranging from 'Outperform' to 'Underperform'. These ratings reflect expectations for the relative performance of Discover Financial servs compared to the broader market.
- Price Targets: Analysts explore the dynamics of price targets, providing estimates for the future value of Discover Financial servs's stock. This examination reveals shifts in analysts' expectations over time.
Considering these analyst evaluations in conjunction with other financial indicators can offer a comprehensive understanding of Discover Financial servs's market position. Stay informed and make well-informed decisions with our Ratings Table.
Stay up to date on Discover Financial servs analyst ratings.
About Discover Financial servs
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.
Understanding the Numbers: Discover Financial servs's Finances
Market Capitalization Analysis: The company's market capitalization is above the industry average, indicating that it is relatively larger in size compared to peers. This may suggest a higher level of investor confidence and market recognition.
Revenue Growth: Discover Financial servs's remarkable performance in 3 months is evident. As of 31 December, 2024, the company achieved an impressive revenue growth rate of 13.85%. This signifies a substantial increase in the company's top-line earnings. As compared to its peers, the company achieved a growth rate higher than the average among peers in Financials sector.
Net Margin: The company's net margin is a standout performer, exceeding industry averages. With an impressive net margin of 26.98%, the company showcases strong profitability and effective cost control.
Return on Equity (ROE): Discover Financial servs's ROE stands out, surpassing industry averages. With an impressive ROE of 7.8%, the company demonstrates effective use of equity capital and strong financial performance.
Return on Assets (ROA): Discover Financial servs's ROA falls below industry averages, indicating challenges in efficiently utilizing assets. With an ROA of 0.86%, the company may face hurdles in generating optimal returns from its assets.
Debt Management: With a below-average debt-to-equity ratio of 0.96, Discover Financial servs adopts a prudent financial strategy, indicating a balanced approach to debt management.
The Basics of Analyst Ratings
Analysts work in banking and financial systems and typically specialize in reporting for stocks or defined sectors. Analysts may attend company conference calls and meetings, research company financial statements, and communicate with insiders to publish "analyst ratings" for stocks. Analysts typically rate each stock once per quarter.
Some analysts publish their predictions for metrics such as growth estimates, earnings, and revenue to provide additional guidance with their ratings. When using analyst ratings, it is important to keep in mind that stock and sector analysts are also human and are only offering their opinions to investors.
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