Retirement is complicated, and you only get once chance to do it right. Don't miss out because you didn't know what was out there. The Retirement Forum provides actionable ideals, a high-yield safe retirement portfolio, and macroeconomic outlooks, all to help you maximize your capital and your income. We search the entire market to help you maximize returns. Discover Financial Services (NYSE: DFS ) is a financial services company primarily known for its credit cards. The company has a market capitalization ...

Discover Financial Service’s third-quarter earnings results offered evidence that an acquisition by Capital One is on track.As for the state of the consumer, caution abounds, and many households are looking for ways to consolidate debt.Interim CEO Michael Shepherd said on an earnings call that “Capital One continues to lead merger-related activities … with applications currently under regulatory review. Integration planning is advancing well.”Payments volumes were down 4%, reflecting a slowdown in Discover ...

Discover Financial Services (DFS) reported strong third-quarter results supported by interest income growth, thanks to a high-interest rate environment, lower provision for credit losses, growing loans, PULSE volumes and margin expansion. The positives were partially offset by higher expenses.It reported third-quarter 2024 adjusted earnings per share of $3.69, which comfortably beat the Zacks Consensus Estimate of $3.28. Also, the bottom line jumped 42% year over year.Discover Financial's revenues, net of i ...

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财务数据和关键指标变化 - 第三季度净收入为9.65亿美元,同比增长41% [8] - 净息差为11.38%,同比增加43个基点,环比增加21个基点,主要由于信用卡促销余额占比下降 [9] - 信用卡应收款项同比增长3%,主要由于还款率下降,部分被销售额下降所抵消 [9] - 个人贷款同比增长9%,主要由于消费者对债务整合的强劲需求 [10] - 学生贷款同比下降19%,主要由于学生贷款资产出售 [10] - 平均消费者存款同比增长11%,环比增长1% [10] 各条业务线数据和关键指标变化 - 信用卡业务: - 净充销率同比下降27个基点,优于季节性趋势 [14] - 30天以上逾期率增加,与2022年同期水平一致,2024年新发放账户表现有所改善 [14] - 个人贷款业务: - 净充销率和逾期率有所上升,但仍在历史正常范围内,新发放账户满足盈利目标 [14] 各个市场数据和关键指标变化 - 消费者支出水平正在回归正常,表明消费者已调整支出模式以管理预算,有利于信用表现 [14] 公司战略和发展方向及行业竞争 - 公司完成了学生贷款资产组合的第一和第二批出售,预计将在11月中旬完成剩余部分的出售 [5][10] - 公司的风险管理和合规能力持续提升,新项目取得成效,降低风险并防止客户受损 [6] - 公司在客户满意度方面连续5年位居行业第二,这是公司18年来一直位居前两名的成绩 [6] - 公司在俄亥俄州和芝加哥社区建立了新的客户服务和社区中心,体现了公司的社区战略 [7] - 公司被评为金融服务和保险行业最佳大型工作场所第16名,并获得最佳残障人士雇主认证 [8] - 公司正在与Capital One进行并购整合,相关申请正在监管审查中,整合计划进展顺利 [8] 管理层对经营环境和未来前景的评论 - 公司预计2024年贷款增长将下降低单位数,主要由于还款率高于预期和销售额略有下降 [17] - 公司预计净息差将在11.2%-11.4%之间,运营费用指引保持不变 [17] - 公司预计2024年净充销率将在4.9%-5%之间,反映了信用表现的改善 [17] 其他重要信息 - 公司正在与SEC就信用卡误分类问题的会计处理方法进行沟通,预计不会对累计历史收益、资本或客户赔付计划产生影响 [16]

业绩总结 - 2024年第三季度净收入为9.65亿美元，稀释每股收益为3.69美元，股本回报率为23%[8] - 净利息收入增长至36.55亿美元，同比增长10%[10] - 非利息收入为7.98亿美元，同比增长11%，主要受私人学生贷款出售收益的推动[10] - 信贷损失准备金减少2.29亿美元，反映出5.70亿美元的准备金降低[10] - 运营费用增加2.38亿美元，同比增长16%，主要由于员工薪酬、信息处理和专业费用的增加[10] 用户数据 - 消费者存款平均增长1%，同比增长11%[15] - 信用卡贷款的期末贷款余额为1004.89亿美元，同比增长3%[20] - 个人贷款的期末贷款余额为104.38亿美元，同比增长9%[20] - 信用卡净坏账率为5.28%，同比下降125个基点[20] 新产品和新技术研发 - 公司已完成四个计划中的学生贷款销售中的第一个[8] - 净利息收入因贷款应收款增加和利差扩张而上升[18] - 贷款手续费收入因更高的发生率而上升[18] - 其他收入增加，反映出贷款出售带来的7000万美元收益[18] 市场扩张和并购 - 与Capital One的合并进展顺利，合并申请正在接受监管审查[8] 负面信息 - Discover卡销售额为533.80亿美元，同比下降3%[17] - Discover网络交易量同比下降4%，反映出Discover卡销售放缓[33] - 网络合作伙伴交易量同比下降24%，主要由于AribaPay交易量减少[32] 其他新策略和有价值的信息 - 信用卡贷款的期末贷款余额为1004.89亿美元，同比增长3%[20] - PULSE交易量同比增长14%，主要受借记卡交易量增加推动[33] - Diners Club交易量同比增长7%，在大多数地区表现强劲[33] - 总网络交易量同比增长4%[32] - 总运营费用为16.92亿美元，同比增长16%[19] - 员工薪酬和福利支出为7.03亿美元，同比增长22%[19] - 资本充足率为12.7%，因核心收益和学生贷款出售而增加[24]

Discover (DFS) reported $4.45 billion in revenue for the quarter ended September 2024, representing a year-over-year increase of 10.1%. EPS of $3.69 for the same period compares to $2.59 a year ago.The reported revenue represents a surprise of +2.17% over the Zacks Consensus Estimate of $4.36 billion. With the consensus EPS estimate being $3.28, the EPS surprise was +12.50%.While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine ...

Discover (DFS) came out with quarterly earnings of $3.69 per share, beating the Zacks Consensus Estimate of $3.28 per share. This compares to earnings of $2.59 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of 12.50%. A quarter ago, it was expected that this credit card issuer and lender would post earnings of $3.06 per share when it actually produced earnings of $6.06, delivering a surprise of 98.04%.Over the last four quarters ...

财务指标 - 公司利息收入同比增长16%，达到15,031百万美元[1] - 公司净利息收入同比增长11%，达到10,666百万美元[1] - 公司交易处理收入同比增长19%，达到262百万美元[1] - 公司营业效率同比恶化700个基点，达到43.4%[1] - 公司资本回报率为25%[1] - 公司每股基本收益同比增长12%，达到10.86美元[1] - 公司每股股息同比增长5%，达到2.10美元[1] - 公司股价同比上涨62%，达到140.29美元[1] - 公司账面价值每股同比增长21%，达到68.71美元[1] - 公司第三季度总收入为264.23亿美元，同比增长17%[3] - 公司第三季度净利润为18.18亿美元，同比下降7%[3] - 公司第三季度有形普通股权一级资本比率为10.5%[5] - 公司第三季度每股有形普通股权一级资本为63.49美元，同比增长23%[5] - 总资产较去年同期增加10,766百万美元，增长8%[7] - 贷款总额较去年同期增加7,327百万美元，增长6%[7] - 存款总额较去年同期增加7,680百万美元，增长8%[7] - 净利差较去年同期提升43个基点至11.38%[7] - 资产收益率较去年同期提升25个基点至9.54%[7] - 信用卡贷款平均收益率较去年同期提升80个基点至16.23%[7] - 个人贷款平均收益率较去年同期提升78个基点至13.72%[7] - 其他贷款平均收益率较去年同期提升50个基点至7.45%[7] - 定期存款平均利率较去年同期提升83个基点至4.67%[7] - 其他存款平均利率较去年同期下降3个基点至4.27%[7] - 总贷款余额为1269.93亿美元，同比增长4%[8] - 信用卡贷款余额为1004.89亿美元，同比增长3%[8] - 利息收益率为14.87%，同比增加64个基点[8] - 总体不良贷款率为3.46%，同比增加40个基点[8] - 信用卡不良贷款率为3.84%，同比增加43个基点[8] - 信用卡销售额为1569.99亿美元，同比下降2%[8] - 信用卡奖励费率为1.38%，同比下降4个基点[8] - 信用卡贷款拨备金为75.86亿美元，同比增加7%[8] - 信用卡贷款拨备金计提为-33百万美元[8] - 信用卡贷款拨备率为7.55%，同比增加29个基点[8] - 私人学生贷款总额从2023年9月30日的104.48亿美元下降至2024年9月30日的84.84亿美元,下降19%[10] - 个人贷款余额从2023年9月30日的95.59亿美元增加至2024年9月30日的104.38亿美元,增长9%[11] - 数字银行业务净利息收入从2023年前9个月的96.31亿美元增加至2024年前9个月的106.66亿美元,增长11%[11] - 数字银行业务税前利润从2023年前9个月的31.12亿美元增加至2024年前9个月的33.19亿美元,增长7%[11] - 支付服务业务交易量从2023年前9个月的4.32万亿美元增加至2024年前9个月的4.62万亿美元,增长7%[11] - 公司总资产减去商誉和无形资产后的有形普通股权益(Tangible Common Equity)为159.49亿美元[13] - 每股有形普通股权益为63.49美元[14] - 总资本充足率(Total Risk Based Capital Ratio)为初步数据[12] - 一级资本充足率(Tier 1 Capital Ratio)为初步数据[12] - 一级杠杆比率(Tier 1 Leverage Ratio)为初步数据[12] - 普通股一级资本充足率(Common Equity Tier 1 Capital Ratio)为初步数据[12] - 贷款拨备率(Reserve Rate)为初步数据[12] - 信用卡销售量(Discover Card Sales Volume)为初步数据[12] - 信用卡总量(Discover Card Volume)为初步数据[12] - 发现网络自有量(Discover Network Proprietary Volume)为初步数据[12] 流动性 - 公司流动性总额达到XXX百万美元[2]

Investors are always looking for stocks that are poised to beat at earnings season and Discover Financial Services (DFS) may be one such company. The firm has earnings coming up pretty soon, and events are shaping up quite nicely for their report.That is because Discover Financial is seeing favorable earnings estimate revision activity as of late, which is generally a precursor to an earnings beat. After all, analysts raising estimates right before earnings — with the most up-to-date information possible — ...