Revenue segments as reported by the company.

Net Interest Income

Non-Interest Income

Revenue Segments

Gross Profit, Operating Income, and Net Income as a percentage of Revenue

Operating Margin

Profit Margin

Margins

An operating expense is an expense a business incurs through its normal business operations. Often abbreviated as OPEX.

Provision for Credit Losses

Employee Compensation and Benefits

Marketing and Business Development

Information Processing & Communications

Professional Fees

Premises and Equipment

Other Expense

Operating Expenses

Year over year growth in Revenue and Operating Expenses.

Revenue Y/Y

OpEx Y/Y

Growth

Shares outstanding refer to a company's stock currently held by all its shareholders, including share blocks held by institutional investors and restricted shares owned by the company's officers and insiders.

Outstanding Shares

Market Cap

Also known as Price/Sales Ratio. Calculated using Average market cap for the quarter / Annualized quarterly revenue.

Revenue Multiple

Discover

Discover Financial Services is a holding company, which engages in the provision of direct banking and payment services. It operates through the Direct Banking and Payment Services segments. The Direct Banking segment offers Discover-branded credit cards issued to individuals on the Discover Network and other consumer products and services, including private student loans, personal loans, home loans, and other consumer lending and deposit products. The Payment Services segment includes PULSE, Diners Club, and the company's network partners business, which includes credit, debit, and prepaid cards issued on the Discover Network. The company was founded in 1986 and is headquartered in Riverwoods, IL.

Earnings data Q1 2021

Earnings data Q2 2021

Earnings data Q3 2021

Earnings data Q4 2021

Earnings data Q1 2022

Earnings data Q2 2022

Earnings data Q3 2022

Earnings data Q4 2022

Earnings data Q1 2023

Earnings data Q2 2023

Earnings data Q3 2023

Earnings data Q4 2023

Earnings data Q1 2024

Earnings data Q2 2024

Earnings data Q3 2024

Earnings data Q4 2024

Discover reports strong Q4 earnings, eyes digital growth opportunities

Discover (DFS) delivered strong financial results in Q4 2022, with robust earnings, asset growth, and strategic investments in digital capabilities and new product launches.
Despite facing challenges from a less favorable macroeconomic environment, the company's focus on efficiency, credit performance, and revenue growth positions it well for future success.
Opportunities lie in capitalizing on consumer trends, optimizing operational efficiency, and leveraging strong credit performance to drive growth and enhance shareholder value.
Overall, Discover's performance highlights resilience, strategic foresight, and a commitment to delivering value to shareholders amidst evolving market conditions.

Discover reports robust Q1 earnings and invests in tech for growth

Discover Financial Services delivered a strong performance in Q1 2023, driven by robust financial results, technological advancements, and strategic initiatives to enhance shareholder value.
While facing challenges such as spend growth slowdown and inflation pressures, Discover's focus on credit normalization, expense management, and innovation positions it well for future growth.
With a solid financial foundation, strong market position, and a commitment to technology and customer experience, Discover is poised to capitalize on opportunities for expansion and sustained success in the financial services industry.

Discover reports solid Q2 earnings, focuses on compliance and growth

Discover's Q2 performance reflects a mix of positives and challenges, with a strong focus on compliance, risk management, and sustainable growth. The company is committed to addressing compliance issues, investing in talent and technology, and aligning business decisions with customer needs. Discover remains confident in its business model despite competitive pressures and compliance challenges.

Discover reports robust Q3 earnings, invests in tech for growth

Discover's Q3 performance reflects strong revenue growth and strategic focus on customer experience and compliance.
While facing challenges with credit performance and rising expenses, the company is leveraging tech investments for future growth.
Opportunities lie in enhancing digital capabilities, driving loan growth, and capitalizing on positive spending trends.

Discover Financial Services reports strong Q4 performance and navigates challenges

Discover Financial Services delivered a solid performance in Q4 2023, focusing on compliance, customer experience, and financial strength. The company faces challenges in managing expenses and cautious loan growth due to changing consumer behavior. Opportunities lie in reaccelerating growth and effective net interest margin management.

Discover reports Q1 net income decline but showcases revenue growth

Discover's Q1 2024 earnings call highlighted a decline in net income due to increased reserves, offset by strong financial performance and revenue growth driven by loan expansion. The company's emphasis on risk management, compliance, and decision-making aims to maximize shareholder value. While facing challenges such as higher charge-offs and increased expenses, Discover remains focused on growth opportunities and credit performance expectations.

Discover reports stellar Q2 earnings amidst strategic portfolio realignment

Discover's Q2 2024 performance reflects robust financial growth driven by improved net income and operational efficiencies.
While facing challenges such as rising expenses and pending mergers, the company maintains a strong capital position and strategic focus.
Opportunities lie in portfolio optimization, merger synergies, and operational enhancements, positioning Discover for sustained growth.

Discover (DFS) reports robust Q3 earnings and strategic achievements

Discover's Q3 earnings call highlights strong financial results, strategic achievements, and regulatory updates. The company's focus on customer satisfaction, employee engagement, and financial performance positions it for continued success.

Revenue

Cost of revenue

Gross profit

Operating expenses

SG&A

Other

Operating income

EBITDA

Net income

Earnings per share

Total assets

Current assets

Cash & equivalents

Receivables

Inventory

Non-current assets

Net PPE

Intangibles

Total liabilities

Current liabilities

Short term debt

Income tax payable

Non-current liabilities

Long-term debt

Total equity

Stockholders equity

Minority interest

Total liabilities & equity

Total debt

Net debt

Book value per share

Cash from operations

Funds from operations

Change in working capital

Cash from investing

Capital expenditure

Purchase/sale of investments

Purchase/sale of business

Other sources

Cash from financing

Change in stock

Change in debt

Cash dividends paid

Cash from other sources

Net change in cash

Free cash flow

Discover Financial Services is a holding company. It operates under the Digital Banking and Payment Services segments. The Digital Banking segment focuses on consumer banking and lending products, specifically Discover-branded credit cards issued to individuals on the Discover Network and other consumer banking products and services including private student loans, personal loans, home loans, and deposit products. The Payment Services segment includes PULSE, Diners Club, and the Network Partners business, which provides payment transaction processing and settlement services on the Discover Global Network. The company was founded in 1960 and is headquartered in Riverwoods, IL.

Discover Financial stock (NYSE: DFS) has lost roughly 6% YTD, as compared to the 14% drop in the S&P500 over the same period.

Is Discover Financial Stock Attractive At The Current Levels?

AllianceBernstein Hld

Aflac

Ares Capital

Progressive

Phillips 66

Sempra Energy

With the Federal Reserve committed to tackling historically high inflation through hawkish monetary policies, it's time for investors to consider the best stocks to buy for rising interest rates. Sure, some indicators suggest that the central bank might loosen its stance.

7 Stocks to Buy to Beat Next Year's Interest Rate Blues

NEW YORK , Nov. 28, 2022 /PRNewswire/ -- WHY: Rosen Law Firm, a global investor rights law firm, continues to investigate potential securities claims on behalf of shareholders of Discover Financial Services (NYSE: DFS) resulting from allegations that Discover Financial Services may have issued materially misleading business information to the investing public. SO WHAT: If you purchased Discover Financial Services securities you may be entitled to compensation without payment of any out of pocket fees or costs through a contingency fee arrangement.

ROSEN, A LEADING LAW FIRM, Encourages Discover Financial Services Investors with Losses to Inquire About Securities Class Action Investigation - DFS

Discover (DFS) reported earnings 30 days ago. What's next for the stock?

Why Is Discover (DFS) Up 8.2% Since Last Earnings Report?

COLUMBUS, Ohio--( BUSINESS WIRE )--Discover, a leading digital banking and payments service company, announced plans to open a customer care center in Whitehall, Ohio and invest more than $16 million for construction, training and hiring. The company plans to start hiring customer support representatives from Whitehall and nearby communities early next year. The opening of the center in Whitehall is part of Discover's strategic site selection approach, which seeks to enhance high-quality employment opportunities and increase equity in the communities in which they operate.

Discover Plans to Open a Customer Care Center in Whitehall to Bring High-quality Jobs and Enhance Equity in the Columbus Region

RIVERWOODS, Ill.--( BUSINESS WIRE )--Roger Hochschild, Chief Executive Officer and President at Discover, will present at the Goldman Sachs 2022 US Financial Services Conference on Tuesday, December 6, 2022, at 9:20 a.m. ET.

Discover Financial Services to Present at the Goldman Sachs 2022 US Financial Services Conference

Discover Financial Services (NYSE: DFS) shares are trading higher by 3.30% to $106.96 during Wednesday's session after the company announced it will resume repurchases under its existing share repurchase program authorizing up to $4.2 billion of share repurchases.

Why Discover Financial Services Stock Is Trading Higher - Discover Financial (NYSE:DFS)

Discover Financial Services DFS, -2.17% said Wednesday it will start buying back stock again under its existing $4.2 billion share repurchase program after suspending it in July. The company completed an investigation related to its student loan servicing practices and related compliance matters under a board-appointed independent special committee.

Discover Financial Services restarts share buyback program

Sizzle Acquisition Corp

PERTH, Australia & WASHINGTON--(BUSINESS WIRE)--Please replace the release dated October 24, 2022, with the following corrected version.

CORRECTING and REPLACING Critical Metals, Europe's First Fully Licensed Lithium Mine Agrees to Go Public on the Nasdaq Through a Business Combination with Sizzle Acquisition Corp

Discover Financial's (DFS) Q3 results reflect a high provision for credit losses in the Digital Banking segment, partly offset by a solid PULSE and Diners Club volume within the Payment Services unit.

Discover Financial (DFS) Q3 Earnings Lag on High Operating Costs

Discover Financial Services (NYSE:DFS ) Q3 2022 Earnings Conference Call October 25, 2022 9:00 AM ET Company Participants Eric Wasserstrom – Head-Investor Relations Roger Hochschild – Chief Executive Officer John Greene – Chief Financial Officer Conference Call Participants Ryan Nash – Goldman Sachs Moshe Orenbuch – Credit Suisse Sanjay Sakhrani – KBW John Hecht – Jefferies John Pancari – Evercore Betsy Graseck – Morgan Stanley Robert Napoli – William Blair Don Fandetti – Wells Fargo Mihir Bhatia – Bank of America Rick Shane – JPMorgan Bill Carcache – Wolfe Research Kevin Barker – Piper Sandler Mark DeVries – Barclays Bill Ryan – Seaport Research Partners Dominick Gabriele – Oppenheimer Operator Good morning. My name is Katie, and I will be your conference operator today.

Discover Financial Services (DFS) Q3 2022 Earnings Call Transcript

Discover (DFS) delivered earnings and revenue surprises of -3.28% and 3.56%, respectively, for the quarter ended September 2022. Do the numbers hold clues to what lies ahead for the stock?

Discover (DFS) Lags Q3 Earnings Estimates

Discover Financial Services Reports Third Quarter 2022 Net Income of $1.0 Billion or $3.54 Per Diluted Share

Amazon

Alphabet

Big Week: Ex-FANG Stocks to Report Q3 Earnings

Discover Global Network Study Finds Open Banking Relevant to 78% of Fintechs

Cadence Design Systems

Range Resources

The three major U.S. equity indexes closed lower on Thursday, following a choppy trading session that turned gains into losses by noon.

Earnings Previews: Cadence Design, Discover Financial, Range Resources

DFS has an impressive earnings track record, exceeding the Zacks Consensus EPS Estimate in eight consecutive quarters, with three of those beats being greater than 50%.

Discover Financial Services Q3 Preview: Can The Earnings Streak Continue?

Discover Financial's (DFS) third-quarter results are likely to reflect higher net interest income and better transaction processing revenues, partly offset by increased marketing costs.

What to Expect From Discover Financial (DFS) Q3 Earnings

Discover (DFS) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.

Discover (DFS) Reports Next Week: Wall Street Expects Earnings Growth

Discover (DFS) has an impressive earnings surprise history and currently possesses the right combination of the two key ingredients for a likely beat in its next quarterly report.

Why Discover (DFS) is Poised to Beat Earnings Estimates Again

Discover Financial (DFS) ties up with TYDEi to enable hospitals to securely transact healthcare purchases digitally. DFS also seems to keep close tabs on bracing its foothold in the healthcare space.

Discover (DFS) and TYDEi to Digitize Healthcare Purchases

RIVERWOODS, Ill. & CHARLOTTE, N.C.--(BUSINESS WIRE)--Discover Global Network, the payments brand of Discover, will facilitate payments for TYDEi's new healthcare vendor management system, thereby digitizing and streamlining payments in an industry where 85 percent of healthcare purchasing is done manually via paper checks. This partnership will contribute to improved solutions addressing the nearly $40 billion in waste and inefficiencies associated with healthcare invoicing.1 TYDEi's solution o

Discover Brings Innovative Payment Solutions to Healthcare Through Partnership With TYDEi

RIVERWOODS, Ill.--(BUSINESS WIRE)--Discover Financial Services (NYSE: DFS) plans to report its third quarter 2022 results after the market closes on Monday, October 24, 2022. The earnings release will be available through Discover's Investor Relations website at https://investorrelations.discover.com. A conference call to discuss the firm's results, outlook and related matters will be held on Tuesday, October 25, 2022, at 8:00 a.m. Central Time. The live audio webcast will be accessible to the

Discover Financial Services Announces Third Quarter 2022 Earnings Release on October 24, 2022, and Conference Call on October 25, 2022

Discover is still seeing great financial results and low credit metrics. But the risk-reward has changed, as prolonged high inflation will affect the business negatively.

Discover Financial Services: Still Strong But The Risk-Reward Has Changed

Discover Financial's (DFS) digital transformation efforts are positioning the company for long-term growth.

News for Discover Stock (DFS)