Discover Financial Services - Asset Resilience Ratio

Latest as of March 2025: 5.08%

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. Read Discover Financial Services balance sheet liabilities for a breakdown of total debt and financial obligations.

Liquid Assets

$7.51 Billion

Cash + Short-term Investments

Total Assets

$147.91 Billion

All company assets

Resilience Assessment

Low

Financial Resilience Level

Asset Resilience Ratio Trend (2005–2024)

This chart shows how Discover Financial Services's Asset Resilience Ratio has changed over time. See shareholders equity of Discover Financial Services for net asset value and shareholders' equity analysis.

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 market capitalisation and broader financial context, see Discover Financial Services market capitalisation.

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
Upstart Holdings Inc NASDAQ:UPST	Credit Services	1.39%
Beijing Cuiwei Tower Co Ltd SHG:603123	Credit Services	1.79%
Peninsula Group Ltd TA:PEN	Credit Services	1.01%
Pioneer Credit Ltd AU:PNC	Credit Services	32.27%
Wisr Ltd AU:WZR	Credit Services	0.02%
Intan Baruprana Finance Tbk JK:IBFN	Credit Services	7.72%
Fast Finance SA WAR:FFI	Credit Services	69.30%
Funding Circle Holdings PLC LSE:FCH	Credit Services	54.97%

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	--

pp = percentage points

About Discover Financial Services

NYSE:DFS USA Credit Services

Market Cap

$50.34 Billion

Market Cap Rank

#524 Global

#256 in USA

Share Price

$200.05

Change (1 day)

-0.21%

52-Week Range

$188.12 - $204.07

All Time High

$204.07