Discover Financial Services Asset Resilience Ratio
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. See Discover Financial Services defensive liquidity buffer to measure how many days the company can operate on defensive assets alone.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio of Discover Financial Services (2005–2024)
Asset resilience ratio of Discover Financial Services from 2005 to 2024. This chart shows how Discover Financial Services's Asset Resilience Ratio has changed over time. Read DFS total liabilities for a breakdown of total debt and financial obligations.
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. For the complete balance sheet picture, see Discover Financial Services asset portfolio.
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 |
|---|---|---|
|
Krungthai Card PCL
BK:KTC |
Credit Services | 92.33% |
|
Mastercard Inc
NYSE:MA |
Credit Services | 0.60% |
|
Indian Railway Finance Corporation Limited
NSE:IRFC |
Credit Services | 0.09% |
|
Best SA
WAR:BST |
Credit Services | 3.86% |
|
Vardhman Holdings Limited
NSE:VHL |
Credit Services | 0.03% |
|
Litigation Capital Management Limited
LSE:LIT |
Credit Services | 78.61% |
|
ZIP Co Ltd
AU:ZIP |
Credit Services | 0.13% |
|
Credit Corp Group Ltd
AU:CCP |
Credit Services | 4.06% |
Discover Financial Services Asset Resilience Ratio by Year (2005–2024)
Discover Financial Services asset resilience ratio by year from 2005 to 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 | -- |
About 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