Discovery is a financial services company that began in 1992 as a medical aid administrator, but is now also an insurer and asset manager, operating in Africa, the UK, USA and China. It has a market cap of R93.3 billion, a price to earnings ratio of 21.12 and a dividend yield of 1.29per cent. Guest Nesan Nair, Sasfin Securities and Paul Theron from Vestact decide whether Discovery is hot or not.