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 SBUX: 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 SBUX's multiple
Needs SBUX 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 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) · SBUX FY 2025 (ended Sep 28, 2025). Fiscal years are not aligned.
Trendline
Six 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
-$11.63B
Price / tangible book
—
Price / book
—
Return on equity
-22.9%
Return on assets
5.8%
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.
Starbucks Corporation · implied price per share
Bear
$4.71
Base
$5.54
Bull
$6.37
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
-2.17x
Net debt / EBITDA
Leverage against operating earnings
-0.40x
2.97x
Cash and equivalents
Liquid reserves on the balance sheet
$23.10B
$6.70B
Total debt
Interest-bearing obligations outstanding
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
McDonald's Corporation
DFS vs MCD
PepsiCo, Inc.
DFS vs PEP
The Coca-Cola Company
DFS vs KO
DOMINOS PIZZA INC
DFS vs DPZ
Chipotle Mexican Grill, Inc.
DFS vs CMG
$16.37B
$17.57B
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.
Price unavailable
