DFS
Price
$200.05
Change
-$0.43 (-0.21%)
Updated
May 16 closing price
Capitalization
32.42B
21 days until earnings call
PHH
Price
$32.35
Change
+$0.92 (+2.93%)
Updated
Jun 25, 04:59 PM (EDT)
Capitalization
358.35M
XYF
Price
$16.72
Change
-$0.75 (-4.29%)
Updated
Jun 25, 04:59 PM (EDT)
Capitalization
185.86M
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DFS or PHH or XYF

Header iconDFS vs PHH vs XYF Comparison
Open Charts DFS vs PHH vs XYFBanner chart's image
Discover Financial Services
Price$200.05
Change-$0.43 (-0.21%)
Volume$31.29M
Capitalization32.42B
Park Ha Biological Technology
Price$32.35
Change+$0.92 (+2.93%)
Volume$7.98K
Capitalization358.35M
X Financial
Price$16.72
Change-$0.75 (-4.29%)
Volume$1.85K
Capitalization185.86M
DFS vs PHH vs XYF Comparison Chart in %
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PHH
Daily Signalchanged days ago
Gain/Loss if bought
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XYF
Daily Signalchanged days ago
Gain/Loss if bought
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COMPARISON
Comparison
Jun 26, 2025
Stock price -- (DFS: $199.35 vs. XYF: $17.47)
Brand notoriety: DFS: Notable vs. XYF: Not notable
Both companies represent the Finance/Rental/Leasing industry
Current volume relative to the 65-day Moving Average: DFS: 164% vs. XYF: 65%
Market capitalization -- DFS: $32.42B vs. XYF: $185.86M
DFS [@Finance/Rental/Leasing] is valued at $32.42B. XYF’s [@Finance/Rental/Leasing] market capitalization is $185.86M. 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 1 FA rating(s) are green whileXYF’s FA Score has 1 green FA rating(s).

  • DFS’s FA Score: 1 green, 4 red.
  • XYF’s FA Score: 1 green, 4 red.
According to our system of comparison, XYF is a better buy in the long-term than DFS.

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.

PHH’s TA Score shows that 3 TA indicator(s) are bullish while XYF’s TA Score has 4 bullish TA indicator(s).

  • PHH’s TA Score: 3 bullish, 3 bearish.
  • XYF’s TA Score: 4 bullish, 4 bearish.
According to our system of comparison, both PHH and XYF are a good buy in the short-term.

Price Growth

DFS (@Finance/Rental/Leasing) experienced а 0.00% price change this week, while XYF (@Finance/Rental/Leasing) price change was +4.58% for the same time period.

The average weekly price growth across all stocks in the @Finance/Rental/Leasing industry was +1.50%. For the same industry, the average monthly price growth was +3.68%, and the average quarterly price growth was +15.07%.

Reported Earning Dates

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

XYF is expected to report earnings on May 19, 2025.

Industries' Descriptions

@Finance/Rental/Leasing (+1.50% 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 PHH($358M) and XYF($186M). PHH has higher P/E ratio than DFS and XYF: PHH (54.27) vs DFS (11.49) and XYF (1.08). PHH YTD gains are higher at: 399.682 vs. XYF (112.795) and DFS (15.881). DFS has more cash in the bank: 794M vs. PHH (494M) and XYF (). XYF has less debt than PHH and DFS: XYF (663M) vs PHH (808M) and DFS (21.3B). DFS has higher revenues than XYF and PHH: DFS (15.9B) vs XYF (1.75B) and PHH (54M).
DFSPHHXYF
Capitalization32.4B358M186M
EBITDAN/A-19MN/A
Gain YTD15.881399.682112.795
P/E Ratio11.4954.271.08
Revenue15.9B54M1.75B
Total Cash794M494MN/A
Total Debt21.3B808M663M
FUNDAMENTALS RATINGS
DFS vs PHH vs XYF: Fundamental Ratings
DFS
PHH
XYF
OUTLOOK RATING
1..100
513171
VALUATION
overvalued / fair valued / undervalued
1..100
50
Fair valued
50
Fair valued
50
Fair valued
PROFIT vs RISK RATING
1..100
910035
SMR RATING
1..100
100100100
PRICE GROWTH RATING
1..100
423435
P/E GROWTH RATING
1..100
8024
SEASONALITY SCORE
1..100
n/a31n/a

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.

DFS's Valuation (50) in the Finance Or Rental Or Leasing industry is in the same range as PHH (50) and is in the same range as XYF (50). This means that DFS's stock grew similarly to PHH’s and similarly to XYF’s over the last 12 months.

DFS's Profit vs Risk Rating (9) in the Finance Or Rental Or Leasing industry is in the same range as XYF (35) and is significantly better than the same rating for PHH (100). This means that DFS's stock grew similarly to XYF’s and significantly faster than PHH’s over the last 12 months.

DFS's SMR Rating (100) in the Finance Or Rental Or Leasing industry is in the same range as XYF (100) and is in the same range as PHH (100). This means that DFS's stock grew similarly to XYF’s and similarly to PHH’s over the last 12 months.

PHH's Price Growth Rating (34) in the Finance Or Rental Or Leasing industry is in the same range as XYF (35) and is in the same range as DFS (42). This means that PHH's stock grew similarly to XYF’s and similarly to DFS’s over the last 12 months.

PHH's P/E Growth Rating (2) in the Finance Or Rental Or Leasing industry is in the same range as XYF (4) and is significantly better than the same rating for DFS (80). This means that PHH's stock grew similarly to XYF’s and significantly faster than DFS’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
PHHXYF
RSI
ODDS (%)
Bearish Trend 2 days ago
90%
Bearish Trend 2 days ago
78%
Stochastic
ODDS (%)
Bearish Trend 2 days ago
90%
Bullish Trend 2 days ago
90%
Momentum
ODDS (%)
Bullish Trend 2 days ago
90%
Bearish Trend 2 days ago
75%
MACD
ODDS (%)
Bullish Trend 2 days ago
90%
Bearish Trend 2 days ago
76%
TrendWeek
ODDS (%)
Bullish Trend 2 days ago
90%
Bullish Trend 2 days ago
81%
TrendMonth
ODDS (%)
Bullish Trend 2 days ago
90%
Bullish Trend 2 days ago
81%
Advances
ODDS (%)
Bullish Trend 2 days ago
90%
Bullish Trend 6 days ago
81%
Declines
ODDS (%)
N/A
Bearish Trend 9 days ago
75%
BollingerBands
ODDS (%)
Bearish Trend 2 days ago
90%
Bullish Trend 2 days ago
88%
Aroon
ODDS (%)
N/A
Bullish Trend 2 days ago
82%
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PHH
Daily Signalchanged days ago
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XYF
Daily Signalchanged days ago
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