I revised my target from 65 to 79 to 97 depending on the assumption of growth rate 4.25% to 10% growth rate based on latest numbers. The increase was because of the fact that the number of shares have gone down significantly to 475 million shares now. DFS has aggressively bought back shares. The analyst should upgrade their target price soon. Analyst is always late. Great management, Paypal alliance was a great move to tape in the dramatic increase in internet payment. I like this stock with its cheap PE than V, Mastercard or American Expression. Its growth should command the same multiple of 18 to 20 if not higher than them.