Compare price, profitability, solvency, and SEC-reported financials side by side—before deciding which assumptions deserve a closer look.
FY 2025 · View financials
Decision snapshot: DFS stock price vs OGE: 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 OGE's multiple
Needs OGE P/E.
Implied fair value · at DFS's multiple
Needs DFS P/E.
Live quote
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 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) · OGE FY 2025 (ended Dec 31, 2025). Fiscal years are not aligned.
Trendline
11 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
$17.58B
Price / tangible book
—
Price / book
—
Return on equity
25.3%
Return on assets
3.1%
Efficiency ratio
36.7%
Price / book
Market cap
—
Tangible equity
$4.81B
Price / tangible book
—
Price / book
—
Return on equity
9.5%
Return on assets
3.3%
Efficiency ratio
—
Price framework
Discounted free cash flow, then bridged to a per-share price. Same assumptions applied to both companies.
DISCOVER FINANCIAL SERVICES · implied price per share
Bank model off — standard DCF modelling is disabled for financial institutions.
OGE ENERGY CORP. · implied price per share
Bear
$32.56
Base
$38.30
Bull
$44.05
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
1.14x
Net debt / EBITDA
Leverage against operating earnings
-0.40x
3.64x
Cash and equivalents
Liquid reserves on the balance sheet
$23.10B
$200.00K
Total debt
Interest-bearing obligations outstanding
$16.37B
$5.66B
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.
CAPITAL ONE FINANCIAL CORP
DFS vs COF
American Express Company
DFS vs AXP
Visa Inc.
DFS vs V
Mastercard Incorporated
DFS vs MA
CENTERPOINT ENERGY INC
DFS vs CNP
ALLIANT ENERGY CORP
DFS vs LNT
AMERICAN ELECTRIC POWER CO INC
DFS vs AEP
XCEL ENERGY INC
DFS vs XEL
Evergy, Inc.
DFS vs EVRG
PINNACLE WEST CAPITAL CORP
DFS vs PNW
Live quote
LLM-powered synthesis
An on-demand narrative read of the same deterministic data.
The deterministic comparison remains available. Sign in when you want an on-demand narrative synthesis of the same data.
