Last $65.28 USD
Change Today +0.31 / 0.48%
Volume 148.2K
DFS On Other Exchanges
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Berlin
As of 9:38 AM 11/28/14 All times are local (Market data is delayed by at least 15 minutes).
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Company Description

Contact Info

2500 Lake Cook Road

Riverwoods, IL 60015

United States

Phone: 224-405-0900

Fax:

or other life events, such as marriage or birth of a child. Wallet Protection: This product offers one-call convenience if a customer's wallet is lost or stolen, including requesting cancellation and replacement of the customer's credit and debit cards, monitoring the customer's credit bureau reports at the three major credit bureaus for 180 days and alerting them to key changes to their credit files, providing up to $100 to replace the customer's wallet or purse and, if needed, allowing the customer up to a $1,000 cash advance on Discover card account. Credit ScoreTracker: This product offers customers resources that help them understand and monitor their credit scores. Credit ScoreTracker is specifically designed for score monitoring by alerting customers when their score changes, allowing customers to set a target score, and providing resources to help customers understand the factors that may be influencing their scores. The company’s credit card customers can purchase online service warranties from its extended warranty provider to protect purchases of new electronics and appliances, as well as certain other purchases. Processing Services The company’s processing services cover four functional areas: card personalization/embossing, print/mail, remittance processing and document processing. Card personalization/embossing is responsible for the embossing and mailing of plastic credit cards for new accounts, replacements and reissues, and gift cards. Print/mail specializes in statement and letter printing and mailing for merchants and customers. Remittance processing, a function outsourced to third-party vendors, handles account payments and check processing. Document processing handles hard-copy forms, including new account applications. Fraud Prevention The company monitors its customers' accounts to prevent, detect, investigate and resolve fraud. Its fraud prevention processes are designed to protect the security of cards, applications. Prevention systems handle the authorization of application information, verification of customer identity, sales, processing of convenience and balance transfer checks, and electronic transactions. The company uses various techniques that help identify and halt fraudulent transactions, including adaptive models, rules-based decision-making logic, report analysis, data integrity checks and manual account reviews. It manages accounts identified by the fraud detection system through technology that integrates fraud prevention and customer service. Strategies are subject to regular review and enhancement to enable it to respond quickly to changing conditions, as well as to protect its customers and its business from emerging fraud activity. Home Loans and Home Equity Loans The company offers prime variable, fixed-rate conforming, jumbo and FHA home loans to qualified applicants. Home equity loans are fixed rate loans that carry a monthly payment over the term of the loan and are secured by a customer's home. The terms of the loan are set at closing. Customers are sent monthly statements 20 days in advance of the payment due date. Deposits The company offers four main types of deposit products directly to consumers on a national basis: certificates of deposit, savings accounts, money market and checking accounts. All of these deposits are FDIC-insured to the maximum extent permitted by law. The company offers a range of ownership options, including single, joint, trust and custodial. Deposit accounts may be funded through electronic fund transfer, check or wire transfer. Certificates of deposit are offered on a range of tenors from 3 months through 10 years with interest rates that are fixed for the full period. The company offers automatic renewal along with options on reinvestment or disbursement of interest. The company also issues certificates of deposit through select contracted brokerage firms. All of these deposits are also FDIC-insured to the maximum extent permitted by law. Seasonality In its credit card business, the company experiences fluctuations in transaction volumes and the level of loan receivables as a result of higher seasonal

 

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Industry Analysis

DFS

Industry Average

Valuation DFS Industry Range
Price/Earnings 12.4x
Price/Sales 4.1x
Price/Book 2.8x
Price/Cash Flow 11.7x
TEV/Sales 0.1x
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