Discover Financial Services
—Price / book
Market cap
—
Tangible equity (USD)
—
Price / tangible book
—
Price / book
—
Net income / ending equity
25.3%
Net income / ending assets
3.1%
Efficiency ratio
247.6%
Compare price, profitability, solvency, and SEC-reported financials side by side—before deciding which assumptions deserve a closer look.
Decision snapshot: DFS stock price vs BAC: inconclusive Relative valuation is incomplete for this pair. Review the available filing metrics before drawing a conclusion.
Quick read
Each company valued on the other's multiple, then compared with the market price.
Implied fair value · at BAC's multiple
Needs BAC P/E.
Implied fair value · at DFS's multiple
Needs DFS P/E.
Price unavailable
Metric by metric
Filter, sort, and scan the equity metrics that matter most for banks: book value, tangible book, returns, and operating efficiency.
Lower is better
Lower is better
Profitability edge
Asset efficiency edge
Less efficient
Statements
Reported bank earnings and balances, with each company’s reporting period shown.
Values retain reported currencies and share bases. Select a figure to inspect its period, calculation and filing inputs. Differences require compatible units and periods.
Explore enterprise value and market valuation multiples in the valuation sections.
Trendline
Nine period-end years of reported revenue, earnings, and margins. Periods and currencies are shown with the data.
Price framework
Tangible book and profitability anchor a bank, not enterprise value.
Deposits and cash-like balances distort enterprise value for banks, so this section reads equity value, tangible book and profitability instead.
Price / book
Market cap
—
Tangible equity (USD)
—
Price / tangible book
—
Price / book
—
Net income / ending equity
25.3%
Net income / ending assets
3.1%
Efficiency ratio
247.6%
Price / book
Market cap
—
Tangible equity (USD)
$232.42B
Price / tangible book
—
Price / book
—
Net income / ending equity
10.1%
Net income / ending assets
0.9%
Efficiency ratio
61.7%
Price framework
The same filing-backed model used on each company's valuation page, with company-specific inputs and calculated scenarios.
DISCOVER FINANCIAL SERVICES · implied price per share
Bank model off — standard DCF modelling is disabled for financial institutions.
BofA Finance LLC · implied price per share
Bank model off — standard DCF modelling is disabled for financial institutions.
Balance sheet health
Inspect reported liquidity and leverage alongside historical financial-health checks.
Financial strength on a 0–9 scale.
Bankruptcy-risk signal from balance sheet and earnings power.
Not enough data to score either balance sheet.
Cash excludes investments. EBITDA is an operating-income-plus-D&A proxy. Missing borrowing categories remain unavailable; select a value to inspect its inputs.
Comparable set
Where the pair sits against the wider banking comparable set.
Keep comparing
Open adjacent comparisons from the same industry to pressure-test the read across multiple pairs.
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DFS vs PNC
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DFS vs TFC
LLM-powered synthesis
An explanation of the financial evidence. Check its snapshot date against the figures above.
This explanation uses an earlier data snapshot or evidence version. Review its generation date and the current figures, or refresh after signing in.
If you believe DFS can sustain its 12.2% revenue growth while narrowing the profitability gap to BAC, then a constructive view on DFS makes sense because its implied price of $294.08 sits below the DCF range of $494.54 to $669.09; if not, the case for re-rating is weaker given BAC’s superior operating and net margins.
The comparison suggests DFS could be materially undervalued relative to BAC-implied framework, with implied price at $294.08 and a BAC implied range of $299.07 to $1186.44. However, the lack of a current DFS price and missing DFS P/E and P/S metrics makes the valuation signal incomplete and lowers confidence.
Supporting Metrics