DFS
Price
$200.05
Change
-$0.43 (-0.21%)
Updated
May 16 closing price
Capitalization
32.42B
40 days until earnings call
FPAY
Price
$1.37
Change
-$0.01 (-0.72%)
Updated
Jun 6, 04:53 PM (EDT)
Capitalization
29.45M
67 days until earnings call
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DFS vs FPAY

Header iconDFS vs FPAY Comparison
Open Charts DFS vs FPAYBanner chart's image
Discover Financial Services
Price$200.05
Change-$0.43 (-0.21%)
Volume$31.29M
Capitalization32.42B
FlexShopper
Price$1.37
Change-$0.01 (-0.72%)
Volume$6.03K
Capitalization29.45M
DFS vs FPAY Comparison Chart
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DFS
Daily Signalchanged days ago
Gain/Loss if bought
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FPAY
Daily Signalchanged days ago
Gain/Loss if bought
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DFS vs. FPAY commentary
Jun 07, 2025

To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is DFS is a StrongBuy and FPAY is a StrongBuy.

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COMPARISON
Comparison
Jun 07, 2025
Stock price -- (DFS: $199.35 vs. FPAY: $1.38)
Brand notoriety: DFS: Notable vs. FPAY: Not notable
Both companies represent the Finance/Rental/Leasing industry
Current volume relative to the 65-day Moving Average: DFS: 280% vs. FPAY: 36%
Market capitalization -- DFS: $32.42B vs. FPAY: $29.45M
DFS [@Finance/Rental/Leasing] is valued at $32.42B. FPAY’s [@Finance/Rental/Leasing] market capitalization is $29.45M. The market cap for tickers in the [@Finance/Rental/Leasing] industry ranges from $573.25B to $0. The average market capitalization across the [@Finance/Rental/Leasing] industry is $13.11B.

Long-Term Analysis

It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).

DFS’s FA Score shows that 3 FA rating(s) are green whileFPAY’s FA Score has 0 green FA rating(s).

  • DFS’s FA Score: 3 green, 2 red.
  • FPAY’s FA Score: 0 green, 5 red.
According to our system of comparison, DFS is a better buy in the long-term than FPAY.

Short-Term Analysis

It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.

If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.

DFS’s TA Score shows that 2 TA indicator(s) are bullish while FPAY’s TA Score has 7 bullish TA indicator(s).

  • DFS’s TA Score: 2 bullish, 2 bearish.
  • FPAY’s TA Score: 7 bullish, 2 bearish.
According to our system of comparison, FPAY is a better buy in the short-term than DFS.

Price Growth

DFS (@Finance/Rental/Leasing) experienced а 0.00% price change this week, while FPAY (@Finance/Rental/Leasing) price change was +4.96% for the same time period.

The average weekly price growth across all stocks in the @Finance/Rental/Leasing industry was +0.54%. For the same industry, the average monthly price growth was +8.25%, and the average quarterly price growth was +13.66%.

Reported Earning Dates

DFS is expected to report earnings on Jul 16, 2025.

FPAY is expected to report earnings on Aug 12, 2025.

Industries' Descriptions

@Finance/Rental/Leasing (+0.54% weekly)

A leasing company (e.g. United Rentals, Inc. ) is typically the legal owner of the asset for the duration of the lease, while the lessee has operating control over the asset while also having some share of the economic risks and returns from the change in the valuation of the underlying asset. Per capita disposable income and corporate earnings or cash flow could be some of the critical metrics for this business – the higher the values of these metrics, the potentially greater ability of consumers/businesses to afford apartments/office spaces for rent. Other finance companies include credit/debit card payment processing companies (e.g. Visa Inc. and Mastercard), private label credit cards providers (e.g. Synchrony Financial) and automobile finance companies (e.g. Credit Acceptance Corporation).

SUMMARIES
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FUNDAMENTALS
Fundamentals
DFS($32.4B) has a higher market cap than FPAY($29.4M). DFS has higher P/E ratio than FPAY: DFS (11.49) vs FPAY (2.02). DFS YTD gains are higher at: 15.881 vs. FPAY (-19.591). DFS has more cash in the bank: 794M vs. FPAY (5.73M). FPAY has less debt than DFS: FPAY (108M) vs DFS (21.3B). DFS has higher revenues than FPAY: DFS (15.9B) vs FPAY (108M).
DFSFPAYDFS / FPAY
Capitalization32.4B29.4M110,204%
EBITDAN/A83.5M-
Gain YTD15.881-19.591-81%
P/E Ratio11.492.02569%
Revenue15.9B108M14,722%
Total Cash794M5.73M13,852%
Total Debt21.3B108M19,722%
FUNDAMENTALS RATINGS
DFS vs FPAY: Fundamental Ratings
DFS
FPAY
OUTLOOK RATING
1..100
3383
VALUATION
overvalued / fair valued / undervalued
1..100
92
Overvalued
78
Overvalued
PROFIT vs RISK RATING
1..100
891
SMR RATING
1..100
394
PRICE GROWTH RATING
1..100
1657
P/E GROWTH RATING
1..100
8097
SEASONALITY SCORE
1..100
n/a50

Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.

FPAY's Valuation (78) in the Finance Or Rental Or Leasing industry is in the same range as DFS (92). This means that FPAY’s stock grew similarly to DFS’s over the last 12 months.

DFS's Profit vs Risk Rating (8) in the Finance Or Rental Or Leasing industry is significantly better than the same rating for FPAY (91). This means that DFS’s stock grew significantly faster than FPAY’s over the last 12 months.

DFS's SMR Rating (3) in the Finance Or Rental Or Leasing industry is significantly better than the same rating for FPAY (94). This means that DFS’s stock grew significantly faster than FPAY’s over the last 12 months.

DFS's Price Growth Rating (16) in the Finance Or Rental Or Leasing industry is somewhat better than the same rating for FPAY (57). This means that DFS’s stock grew somewhat faster than FPAY’s over the last 12 months.

DFS's P/E Growth Rating (80) in the Finance Or Rental Or Leasing industry is in the same range as FPAY (97). This means that DFS’s stock grew similarly to FPAY’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
DFSFPAY
RSI
ODDS (%)
Bearish Trend 22 days ago
75%
N/A
Stochastic
ODDS (%)
N/A
Bearish Trend 2 days ago
87%
Momentum
ODDS (%)
N/A
Bullish Trend 2 days ago
83%
MACD
ODDS (%)
N/A
Bullish Trend 2 days ago
82%
TrendWeek
ODDS (%)
Bullish Trend 22 days ago
72%
Bullish Trend 2 days ago
83%
TrendMonth
ODDS (%)
Bullish Trend 22 days ago
69%
Bullish Trend 2 days ago
84%
Advances
ODDS (%)
Bullish Trend 25 days ago
65%
Bullish Trend 5 days ago
82%
Declines
ODDS (%)
N/A
Bearish Trend 2 days ago
84%
BollingerBands
ODDS (%)
Bearish Trend 22 days ago
67%
Bullish Trend 2 days ago
88%
Aroon
ODDS (%)
Bullish Trend 22 days ago
73%
Bullish Trend 2 days ago
83%
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DFS
Daily Signalchanged days ago
Gain/Loss if bought
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FPAY
Daily Signalchanged days ago
Gain/Loss if bought
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FPAY and

Correlation & Price change

A.I.dvisor tells us that FPAY and SOFI have been poorly correlated (+24% of the time) for the last year. This A.I.-generated data suggests there is low statistical probability that FPAY and SOFI's prices will move in lockstep.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To FPAY
1D Price
Change %
FPAY100%
-1.43%
SOFI - FPAY
24%
Poorly correlated
+0.07%
PYPL - FPAY
22%
Poorly correlated
-0.45%
DFS - FPAY
22%
Poorly correlated
N/A
R - FPAY
21%
Poorly correlated
-0.27%
AAMCF - FPAY
21%
Poorly correlated
N/A
More