Discover Financial Services
—Price / book
Market cap
—
Tangible equity
$17.67B
Price / tangible book
—
Price / book
—
Return on equity
25.3%
Return on assets
3.1%
Efficiency ratio
29.3%
Compare price, profitability, solvency, and SEC-reported financials side by side—before deciding which assumptions deserve a closer look.
FY 2026 · Mkt capMarket cap $9.46B · View financials
Decision snapshot: DFS stock price vs EAT: inconclusive — current versus $369.10 implied using P/E multiple.
Quick read
Each company valued on the other's multiple, then compared with the market price.
Implied fair value · at EAT's multiple
Implied fair value · at DFS's multiple
Needs DFS P/E.
Snapshot Sep 8, 11:20 AM ET
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 lag
Asset efficiency lag
Lower is better
Statements
Bank-focused income statement and equity metrics aligned to the reporting windows.
SEC periods: DFS FY 2024 (ended Dec 31, 2024) · EAT FY 2026 (ended Jun 24, 2026). Fiscal years are not aligned.
Trendline
Seven fiscal years of revenue, earnings, and margins before underwriting a re-rating.
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
$17.67B
Price / tangible book
—
Price / book
—
Return on equity
25.3%
Return on assets
3.1%
Efficiency ratio
29.3%
Price / tangible book
Market cap
$9.46B
Tangible equity
$233.90M
Price / tangible book
40.43x
Price / book
21.31x
Return on equity
109.8%
Return on assets
17.3%
Efficiency ratio
—
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.
BRINKER INTERNATIONAL, INC. · implied price per share
Bear
$106.35
Base
$126.42
Bull
$152.55
Balance sheet health
Financial health checks to separate durable balance sheets from potential value traps.
Financial strength on a 0–9 scale.
Bankruptcy-risk signal from balance sheet and earnings power.
Not enough data to score either balance sheet.
Debt / equity
Total debt against shareholders' equity
0.91x
1.01x
Net debt / EBITDA
Leverage against operating earnings
-0.57x
0.39x
Cash and equivalents
Liquid reserves on the balance sheet
$23.10B
$110.00M
Total debt
Interest-bearing obligations outstanding
$16.25B
$448.00M
Comparable set
Where the pair sits against the wider banking comparable set.
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