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Discovery Limited (DSY.JO)
Sandton, ZA
Established in 1992 and based in Sandton, South Africa, Discovery Limited delivers a broad spectrum of insurance products and financial services primarily across South Africa, the United Kingdom, and the United States. Its diverse operations encompass segments like health, life, and investments in South Africa and the UK, alongside banking and general insurance offerings. The company provides essential coverage such as health and life insurance, a variety of short-term policies for vehicles, homes, household items, and portable possessions, as well as commercial risk protection. Furthermore, Discovery extends its services to include investment products, credit cards, and comprehensive retail banking solutions. A cornerstone of its approach is the Vitality program, which incentivizes and rewards members for maintaining healthy lifestyles, driving safely, and managing their finances prudently. The organization adopted its current name, Discovery Limited, in December 2012, having previously been known as Discovery Holdings Limited.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +1.40% | +3.11% | +7.71% | +6.50% | +26.79% | +22.30% | +27.64% | +106.99% | +97.98% | +124.02% | +2,648.98% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 2 | 0 |
| Buy | 3 | 0 |
| Hold | 2 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth Insurance - Life: +10.6%+22.8% ★ Q4'25: +27.1% (vs Q4'23)
-
EPS growth Insurance - Life: +13.4%+30.0% ★ Q4'25: +67.3% (vs Q4'23)
-
FCF margin FCF growth · Insurance - Life: +31.7%+22.5% ★ Q4'25: +4.1% (vs Q4'23)
-
EBIT margin Insurance - Life: +12.4%+20.4% ★ Q4'25: +22.1% (vs Q4'23)
-
ROIC Insurance - Life: +1.0%+18.5% ★ Q4'25: +38.1% (vs Q4'23)
-
Share dilution Insurance - Life: +0.4%+0.6% Q4'25: +1.4% (vs Q4'23)
-
Debt / EBITDA Net debt/EBITDA · Insurance - Life: -1.05×1.18× Q4'25: 0.51× (vs Q4'23)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Jun 2015 actual |
Jun 2016 actual |
Jun 2017 actual |
Jun 2018 actual |
Jun 2019 actual |
Jun 2020 actual |
Jun 2021 actual |
Jun 2022 actual |
Jun 2023 actual |
Jun 2024 actual |
Jun 2025 actual |
Jun 2026 1 Rev. Ana. 5 EPS Ana. |
Jun 2027 1 Rev. Ana. 5 EPS Ana. |
Jun 2028 2 Rev. Ana. 1 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
41.01B
est: 5.63B (+628.5%)
|
43.74B
est: 25.64B (+70.6%)
|
44.46B
est: 35.62B (+24.8%)
|
52.85B
est: 37.04B (+42.7%)
|
56.14B
est: 35.94B (+56.2%)
|
63.55B
est: 47.13B (+34.8%)
|
75.34B
est: 56.98B (+32.2%)
|
66.22B
est: 62.42B (+6.1%)
|
84.77B
est: 74.88B (+13.2%)
|
67.90B
est: 53.39B (+27.2%)
|
83.39B
est: 46.21B (+80.5%)
|
43.72B
43.72B – 43.72B
-5.4% YoY
|
27.93B
27.93B – 27.93B
-36.1% YoY
|
69.83B
69.83B – 69.83B
+150.0% YoY
|
| EBITDA |
6.80B
est: 870.50M (+680.7%)
|
6.66B
est: 3.96B (+68.0%)
|
7.06B
est: 5.51B (+28.3%)
|
9.32B
est: 5.73B (+62.7%)
|
10.43B
est: 5.56B (+87.7%)
|
3.97B
est: 7.29B (-45.6%)
|
7.56B
est: 8.81B (-14.1%)
|
10.58B
est: 9.65B (+9.6%)
|
12.42B
est: 11.58B (+7.3%)
|
11.07B
est: 8.26B (+34.1%)
|
16.97B
est: 7.15B (+137.5%)
|
6.76B
6.76B – 6.76B
-5.4% YoY
|
4.32B
4.32B – 4.32B
-36.1% YoY
|
10.80B
10.80B – 10.80B
+150.0% YoY
|
| EBIT |
6.84B
est: 784.26M (+771.8%)
|
5.79B
est: 3.57B (+62.2%)
|
6.25B
est: 4.96B (+26.0%)
|
8.37B
est: 5.16B (+62.2%)
|
9.08B
est: 5.01B (+81.3%)
|
-877.00M
est: 6.57B (-113.4%)
|
6.24B
est: 7.94B (-21.4%)
|
9.10B
est: 8.70B (+4.6%)
|
11.72B
est: 10.43B (+12.4%)
|
11.07B
est: 7.44B (+48.9%)
|
16.97B
est: 6.44B (+163.6%)
|
6.09B
6.09B – 6.09B
-5.4% YoY
|
3.89B
3.89B – 3.89B
-36.1% YoY
|
9.73B
9.73B – 9.73B
+150.0% YoY
|
| Net Income |
5.55B
est: 4.92B (+12.8%)
|
3.73B
est: 4.47B (-16.5%)
|
4.49B
est: 4.82B (-6.8%)
|
5.74B
est: 5.76B (-0.4%)
|
6.61B
est: 5.35B (+23.6%)
|
178.00M
est: 4.27B (-95.8%)
|
3.22B
est: 4.88B (-34.0%)
|
5.48B
est: 6.29B (-12.9%)
|
6.58B
est: 7.52B (-12.6%)
|
7.37B
est: 7.14B (+3.3%)
|
9.56B
est: 8.68B (+10.1%)
|
10.74B
10.42B – 11.51B
+23.7% YoY
|
12.52B
11.58B – 13.33B
+16.6% YoY
|
14.39B
14.39B – 14.39B
+14.9% YoY
|
| SGA |
12.25B
est: 765.36M (+1,500.7%)
|
14.79B
est: 3.49B (+324.3%)
|
2.83B
est: 4.84B (-41.6%)
|
2.27B
est: 5.04B (-54.8%)
|
2.50B
est: 4.89B (-48.9%)
|
2.57B
est: 6.41B (-59.9%)
|
2.72B
est: 7.75B (-64.9%)
|
3.26B
est: 8.49B (-61.6%)
|
3.74B
est: 10.18B (-63.2%)
|
19.64B
est: 7.26B (+170.6%)
|
21.77B
est: 6.28B (+246.4%)
|
5.94B
5.94B – 5.94B
-5.4% YoY
|
3.80B
3.80B – 3.80B
-36.1% YoY
|
9.49B
9.49B – 9.49B
+150.0% YoY
|
| EPS |
9.15
est: 7.36 (+24.3%)
|
5.73
est: 6.68 (-14.2%)
|
6.84
est: 7.21 (-5.1%)
|
8.89
est: 8.61 (+3.2%)
|
10.14
est: 8.00 (+26.7%)
|
0.15
est: 6.38 (-97.7%)
|
4.81
est: 7.29 (-34.0%)
|
8.25
est: 9.41 (-12.3%)
|
7.99
est: 11.25 (-29.0%)
|
10.45
est: 10.82 (-3.4%)
|
14.02
est: 12.99 (+8.0%)
|
16.35
15.58 – 17.21
+25.9% YoY
|
18.79
17.32 – 19.94
+15.0% YoY
|
21.51
21.51 – 21.51
+14.5% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-29 | B+ | 3/5 | 3/5 | 4/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-28 | B+ | 3/5 | 3/5 | 4/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-27 | B+ | 3/5 | 3/5 | 4/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-26 | B+ | 3/5 | 3/5 | 4/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-25 | B+ | 3/5 | 3/5 | 4/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-22 | B+ | 3/5 | 3/5 | 4/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-21 | B+ | 3/5 | 3/5 | 4/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-20 | B+ | 3/5 | 3/5 | 4/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-19 | B+ | 3/5 | 3/5 | 4/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-18 | B+ | 3/5 | 3/5 | 4/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-15 | B+ | 3/5 | 3/5 | 4/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-14 | B+ | 3/5 | 3/5 | 4/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-13 | B+ | 3/5 | 3/5 | 4/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-12 | B+ | 3/5 | 3/5 | 4/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-11 | B+ | 3/5 | 3/5 | 4/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-08 | B+ | 3/5 | 3/5 | 4/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-07 | B+ | 3/5 | 3/5 | 4/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-06 | B+ | 3/5 | 3/5 | 4/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-05 | B+ | 3/5 | 3/5 | 4/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-04 | B+ | 3/5 | 3/5 | 4/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-04-30 | B | 3/5 | 3/5 | 4/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-04-29 | B | 3/5 | 3/5 | 4/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-04-28 | B | 3/5 | 3/5 | 4/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-04-24 | B | 3/5 | 3/5 | 4/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-04-23 | B+ | 3/5 | 3/5 | 4/5 | 5/5 | 2/5 | 2/5 | 2/5 |
| 2026-04-22 | B+ | 3/5 | 3/5 | 4/5 | 5/5 | 2/5 | 2/5 | 2/5 |
| 2026-04-21 | B+ | 3/5 | 3/5 | 4/5 | 5/5 | 2/5 | 2/5 | 2/5 |
| 2026-04-20 | B+ | 3/5 | 3/5 | 4/5 | 5/5 | 2/5 | 2/5 | 2/5 |
| 2026-04-17 | A- | 4/5 | 4/5 | 4/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-16 | A- | 4/5 | 4/5 | 4/5 | 5/5 | 2/5 | 3/5 | 2/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | iShares MSCI South Africa ETF EZA | 2.73% | 15.00M | 0.59% |
| 2 | iShares MSCI South Africa UCITS ETF USD IRSA.L | 2.38% | 6.08M | 0.65% |
| 3 | Matthews Emerging Markets ex China Active ETF MEMX MEMX | 1.06% | 514.6K | 0.79% |
| 4 | iShares Inclusion and Diversity UCITS ETF OPEN.L | 1.05% | 879.2K | 0.25% |
| 5 | VanEck Africa Index ETF AFK | 1.02% | 1.01M | 0.76% |
| 6 | iShares Ageing Population UCITS ETF AGED.L | 0.45% | 4.01M | 0.40% |
| 7 | WisdomTree True Emerging Markets Fund XC | 0.41% | 326.9K | 0.32% |
| 8 | Rayliant Wilshire NxtGen Emerging Markets Equity ETF RWEM | 0.39% | 304.1K | 0.52% |
| 9 | UBS MSCI EM Socially Responsible UCITS ETF USD dis UC79.L | 0.31% | 11.02M | 0.24% |
| 10 | UBS MSCI EM Socially Responsible UCITS ETF USD dis UETE.DE | 0.31% | 2.98M | 0.24% |
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Neville S. Koopowitz | Chief Executive Officer of Vitality UK | 1B | male |
| Hylton D. Kallner BEconSc FASSA | Chief Executive Officer of Discovery's South African Operations | 34M | male |
| Adrian Gore FASSA | Founder, Group Chief Executive & Executive Director | 21M | male |
| Deon Marius Viljoen | Group Chief Financial Officer, Financial Director, Debt Officer & Executive Director | 17M | male |
| Barry Swartzberg FASSA | Executive Director | 16M | male |
| Felicity Hudson | Head of Media Relations | — | — |
| David Danilowitz | Head of Investor Relations | — | male |
| Khalik Mayet | Head of Legal Services | — | male |
| Firoze Bhorat | Chief Marketing Officer | — | male |
| Derek Wilcocks | Group Chief Information Officer | — | male |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for DSY.JO
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
