Discover Financial Services
Discover Financial Services, through its subsidiaries, provides digital banking products and services, and payment services in the United States. It operates in two segments, Digital Banking and Payment Services. The Digital Banking segment offers Discover-branded credit cards to individuals; personal loans, home loans, and deposit products; and direct-to-consumer deposit products comprising savi… Read more
Discover Financial Services - Asset Resilience Ratio
Discover Financial Services (DFS) has an Asset Resilience Ratio of 5.08% as of March 2025. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2005–2024)
This chart shows how Discover Financial Services's Asset Resilience Ratio has changed over time. Compare with other companies' asset resilience ratios.
Liquid Assets Composition Over Time
This chart breaks down Discover Financial Services's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $7.51 Billion | 5.08% |
| Total Liquid Assets | $7.51 Billion | 5.08% |
Asset Resilience Insights
- Limited Liquidity: Discover Financial Services maintains only 5.08% of assets in liquid form.
- This low level may indicate efficient asset utilization but could pose risks during economic downturns.
- The company has significant short-term investments, indicating active treasury management.
Discover Financial Services Industry Peers by Asset Resilience Ratio
Compare Discover Financial Services's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Samsung Card Co. Ltd.
KO:029780 |
Credit Services | 0.18% |
|
Yiren Digital Ltd
F:19YA |
Credit Services | 3.32% |
|
Aeon Credit Service Bhd
KLSE:5139 |
Credit Services | 0.25% |
|
ELK-Desa Resources Bhd
KLSE:5228 |
Credit Services | 2.82% |
|
Chailease Holding Co Ltd
TW:5871 |
Credit Services | 6.79% |
|
Genertec Universal Medical Group Company Limited
F:5UM |
Credit Services | 0.00% |
|
AVIC Capital Co Ltd
SHG:600705 |
Credit Services | 12.64% |
Annual Asset Resilience Ratio for Discover Financial Services (2005–2024)
The table below shows the annual Asset Resilience Ratio data for Discover Financial Services.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2024-12-31 | 5.22% | $7.71 Billion | $147.64 Billion | +3.84pp |
| 2023-12-31 | 1.38% | $2.09 Billion | $151.52 Billion | +0.08pp |
| 2022-12-31 | 1.30% | $1.71 Billion | $131.63 Billion | -0.53pp |
| 2021-12-31 | 1.83% | $2.02 Billion | $110.24 Billion | -0.53pp |
| 2020-12-31 | 2.36% | $2.66 Billion | $112.89 Billion | +1.59pp |
| 2019-12-31 | 0.77% | $875.00 Million | $114.00 Billion | -2.31pp |
| 2018-12-31 | 3.08% | $3.37 Billion | $109.55 Billion | +2.40pp |
| 2017-12-31 | 0.67% | $672.00 Million | $100.09 Billion | -1.23pp |
| 2016-12-31 | 1.90% | $1.76 Billion | $92.31 Billion | +0.64pp |
| 2015-12-31 | 1.26% | $1.10 Billion | $86.94 Billion | -3.37pp |
| 2014-12-31 | 4.63% | $3.85 Billion | $83.13 Billion | +3.08pp |
| 2013-12-31 | 1.55% | $1.23 Billion | $79.34 Billion | -6.92pp |
| 2012-12-31 | 8.46% | $6.22 Billion | $73.49 Billion | -0.37pp |
| 2011-12-31 | 8.84% | $6.11 Billion | $69.12 Billion | +8.22pp |
| 2010-12-31 | 0.62% | $375.00 Million | $60.78 Billion | -2.32pp |
| 2009-12-31 | 2.93% | $1.35 Billion | $46.02 Billion | +0.30pp |
| 2008-12-31 | 2.63% | $1.05 Billion | $39.89 Billion | -15.27pp |
| 2007-12-31 | 17.90% | $6.69 Billion | $37.38 Billion | +16.09pp |
| 2006-12-31 | 1.81% | $527.31 Million | $29.07 Billion | +0.88pp |
| 2005-12-31 | 0.94% | $252.36 Million | $26.94 Billion | -- |