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STOCKS

Discover Financial Services (GB:0IBC)

LSE:0IBC

0IBC

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GB:0IBC Statistics

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GB:0IBC's free cash flow for Q4 2024 was $0.75. For the 2024 fiscal year, GB:0IBC's free cash flow was decreased by $ and operating cash flow was $0.36. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.15	0.11	0.45	16.93	0.41
Quick Ratio	0.15	0.11	5.00	20.72	0.44
Cash Ratio	0.08	0.11	0.37	7.00	0.19
Solvency Ratio	0.03	0.02	0.04	0.06	0.06
Operating Cash Flow Ratio	0.08	0.08	0.30	4.82	0.09
Short-Term Operating Cash Flow Coverage	0.00	11.42	0.00	3.44	0.00
Net Current Asset Value	$ -113.53B	$ -125.79B	$ -106.47B	$ -75.67B	$ 8.07B
Leverage Ratios
Debt-to-Assets Ratio	0.11	0.14	0.15	0.18	0.19
Debt-to-Equity Ratio	0.91	1.50	1.38	1.51	1.95
Debt-to-Capital Ratio	0.48	0.60	0.58	0.60	0.66
Long-Term Debt-to-Capital Ratio	0.48	0.59	0.58	0.58	0.66
Financial Leverage Ratio	8.24	10.66	9.02	8.22	10.37
Debt Service Coverage Ratio	-0.27	-0.16	2.64	2.07	-0.16
Interest Coverage Ratio	3.09	1.08	4.08	6.23	0.77
Debt to Market Cap	0.37	0.75	0.74	0.58	0.76
Interest Debt Per Share	87.56	102.67	79.32	71.20	75.26
Net Debt to EBITDA	0.00	0.00	1.79	1.51	0.00
Profitability Margins
Gross Profit Margin	72.58%	100.00%	100.00%	100.00%	100.00%
EBIT Margin	34.60%	38.87%	42.87%	58.44%	-4.37%
EBITDA Margin	0.00%	0.00%	47.08%	62.84%	0.00%
Operating Profit Margin	98.69%	51.96%	57.04%	58.44%	12.94%
Pretax Profit Margin	33.91%	38.87%	43.05%	58.44%	12.94%
Net Profit Margin	25.32%	29.87%	32.80%	44.86%	10.29%
Continuous Operations Profit Margin	25.32%	29.87%	32.80%	44.86%	10.29%
Net Income Per EBT	74.66%	76.84%	76.18%	76.76%	79.51%
EBT Per EBIT	34.36%	74.81%	75.48%	100.00%	100.00%
Return on Assets (ROA)	3.07%	1.94%	3.32%	4.92%	1.01%
Return on Equity (ROE)	25.30%	20.65%	29.98%	40.44%	10.48%
Return on Capital Employed (ROCE)	43.50%	12.17%	7.04%	6.48%	3.42%
Return on Invested Capital (ROIC)	32.48%	9.19%	1465.62%	18.28%	-4.06%
Return on Tangible Assets	3.08%	1.94%	3.33%	4.93%	1.01%
Earnings Yield	10.43%	10.30%	16.14%	15.64%	4.11%
Efficiency Ratios
Receivables Turnover	0.00	0.00	0.00	13.22	11.75
Payables Turnover	0.00	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	16.71	9.02	13.30	12.30	10.80
Asset Turnover	0.12	0.06	0.10	0.11	0.10
Working Capital Turnover Ratio	-0.19	-0.11	3.90	-1.11	-0.26
Cash Conversion Cycle	0.00	0.00	0.00	27.60	31.08
Days of Sales Outstanding	0.00	0.00	0.00	27.60	31.08
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	0.00	0.00	0.00	0.00
Operating Cycle	0.00	0.00	0.00	27.60	31.08
Cash Flow Ratios
Operating Cash Flow Per Share	33.57	33.71	25.78	20.06	20.18
Free Cash Flow Per Share	32.50	32.52	24.92	19.42	19.33
CapEx Per Share	1.07	1.19	0.85	0.65	0.85
Free Cash Flow to Operating Cash Flow	0.97	0.96	0.97	0.97	0.96
Dividend Paid and CapEx Coverage Ratio	8.11	8.12	7.60	7.25	7.40
Capital Expenditure Coverage Ratio	31.44	28.26	30.25	31.03	23.74
Operating Cash Flow Coverage Ratio	0.52	0.40	0.36	0.30	0.29
Operating Cash Flow to Sales Ratio	0.47	0.87	0.54	0.50	0.56
Free Cash Flow Yield	18.76%	28.93%	25.48%	16.80%	21.35%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	9.59	9.71	6.20	6.39	24.36
Price-to-Sales (P/S) Ratio	2.43	2.90	2.03	2.87	2.51
Price-to-Book (P/B) Ratio	2.43	2.01	1.86	2.59	2.55
Price-to-Free Cash Flow (P/FCF) Ratio	5.33	3.46	3.93	5.95	4.68
Price-to-Operating Cash Flow Ratio	5.16	3.33	3.80	5.76	4.49
Price-to-Earnings Growth (PEG) Ratio	0.17	-0.36	-0.47	0.02	-0.40
Price-to-Fair Value	2.43	2.01	1.86	2.59	2.55
Enterprise Value Multiple	0.00	0.00	6.11	6.08	0.00
EV to EBITDA	0.00	0.00	6.11	6.08	0.00
EV to Sales	2.86	3.88	2.88	3.82	3.20
EV to Free Cash Flow	6.28	4.62	5.55	7.92	5.98
EV to Operating Cash Flow	6.08	4.46	5.37	7.67	5.72
Tangible Book Value Per Share	70.40	55.04	50.83	42.99	297.39
Shareholders’ Equity Per Share	71.42	56.04	52.67	44.69	35.45
Tax and Other Ratios
Effective Tax Rate	0.25	0.23	0.24	0.23	0.20
Revenue Per Share	71.35	38.75	48.15	40.29	36.12
Net Income Per Share	18.07	11.57	15.79	18.07	3.72
Tax Burden	0.75	0.77	0.76	0.77	0.80
Interest Burden	0.98	1.00	1.00	1.00	-2.96
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.07	0.25	0.16	0.16	0.17
Stock-Based Compensation to Revenue	0.00	0.00	<0.01	<0.01	<0.01
Income Quality	1.86	2.93	1.63	1.10	5.43

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