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 Q4 2020

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

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.

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 will release its Q4 and full-year 2019 results on Thursday, January 23. Trefis details expectations from the card & payments giant in an interactive dashboard, parts of which we highlight below.

Discover Financial Earnings Preview: Will Discover Financial Report An Earnings Miss For FY 2019?

Discover: An Undervalued Winner

Discover Financial's (DFS) fourth-quarter results are likely to reflect solid gains from card sales, which in turn, might have boosted its top line.

Can Card Sales Aid Discover Financial's (DFS) Q4 Earnings?

American Express

Discover Financial (NYSE: DFS) and American Express (NYSE: AXP) are leading credit card companies which operate a closed-loop payment processing network (i.e. they issue cards, and also process payments on their network).

Which Credit Card Giant Is In Better Shape: Discover Financial Or American Express?

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 the Earnings Surprise Streak Could Continue for Discover (DFS)

Discover: Expect A Solid 4Q19 Earnings Print

Discover: Expect A Solid Q4 2019 Earnings Print

Discover Financial (DFS) forges a partnership with EVO Payments to roll out payment options for EVO merchants in the UK and Ireland.

Discover (DFS) Ties Up to Expand Its Presence in UK, Ireland

Discover: Potential Revolut Partnership Could Add As Much As 0.7% To Annual Revenue Growth

Discover Financial's (DFS) card sales volume might continue to boost its revenues, which in turn, might perk up its share price.

Discover Financial Rallies 44.3% YTD: Will Growth Continue?

Discover Financial (DFS) partners Cabal to provide merchants and other cardholders with more card options.

Discover Financial, Cabal Tie Up to Boost Card Acceptance

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

Why Is Discover (DFS) Up 2.9% Since Last Earnings Report?

Let's see if Discover Financial Services (DFS) stock is a good choice for value-oriented investors right now, or if investors subscribing to this methodology should look elsewhere for top picks.

Is Discover Financial (DFS) Stock a Suitable Value Pick Now?

Discover Financial: Featured Stock In October's Dividend Growth Model Portfolio

Discover: Potential Recipe For Upside In 2020

Discover Financial Services (DFS) is the featured stock from October’s Dividend Growth Stocks Model Portfolio.

Discover Financial’s Dividend Growth Potential is High

Discover Financial's Stock Is Trading At A Discount

This highly profitable and growing financial company is currently trading at an unusually cheap valuation.

Discover Financial’s Stock Is Trading at A Discount

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Alphabet

Microsoft

NVIDIA

Texas Instruments

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Discover Financial (DFS) third-quarter results benefit from improved revenues and loan growth.

Discover Financial (DFS) Q3 Earnings Surpass, Improve Y/Y (Revised)

Discover Financial (DFS) Q3 Earnings Surpass, Improve Y/Y

Discover Financial Services' (DFS) CEO Roger Hochschild on Q3 2019 Results - Earnings Call Transcript

Discover Financial's (DFS) third-quarter earnings are likely to have grown on the back of solid revenues.

Is a Beat in Store for Discover Financial (DFS) Q3 Earnings?

Purchase volume in Asia Pacific and Latin America is outpacing growth in Europe and the United States.

Discover: Favorable Industry Catalysts And Trends Position The Company Well For The Long Run

Discover Global Network, the payments brand of Discover Financial (DFS), partners with Windcave to expand in New Zealand.

News for Discover Stock (DFS)