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 — ...

文章核心观点 - Discover Financial Services (DFS)预计将在2024年10月16日盘后公布第三季度业绩 [1] - 第三季度每股收益预期为3.29美元,同比增长27% [1] - 预计将受益于净利息收入和非利息收入的增长,部分被薪酬费用的上升所抵消 [1] 根据相关目录分别进行总结 收入情况 - 净利息收入预计将增长6.8%,达到35.5亿美元,主要受益于平均应收款项的增长和净利差的提升 [5] - 非利息收入预计将增长14.3%,达到8.249亿美元,主要受益于交易处理收入的增加和奖励成本的下降 [6] 成本情况 - 总运营成本预计将同比增长9.7%,主要受到薪酬费用和专业费用的上升 [7] 股价表现 - 公司股价年初至今上涨30.6%,优于行业、金融板块和标普500指数 [8]

The upcoming report from Discover (DFS) is expected to reveal quarterly earnings of $3.29 per share, indicating an increase of 27% compared to the year-ago period. Analysts forecast revenues of $4.36 billion, representing an increase of 7.8% year over year.Over the last 30 days, there has been an upward revision of 3.7% in the consensus EPS estimate for the quarter, leading to its current level. This signifies the covering analysts' collective reconsideration of their initial forecasts over the course of th ...

Discover (DFS) is expected to deliver a year-over-year increase in earnings on higher revenues when it reports results for the quarter ended September 2024. This widely-known consensus outlook gives a good sense of the company's earnings picture, but how the actual results compare to these estimates is a powerful factor that could impact its near-term stock price.The earnings report, which is expected to be released on October 16, 2024, might help the stock move higher if these key numbers are better than e ...

iREIT+HOYA Capital is the premier income-focused investing service on Seeking Alpha. Our focus is on income-producing asset classes that offer the opportunity for sustainable portfolio income , diversification , and inflation hedging . Get started with a Free Two-Week Trial and take a look at our top ideas across our exclusive income-focused portfolios.I am Gen Alpha. I have more than 14 years of investment experience, and an MBA in Finance. I focus on stocks that are more defensive in nature, with a medium ...

Discover Financial Services (NYSE: DFS ) is a well-known online banking and credit card company. After announcing in February plans to enter an all-stock merger with Capital One ( COF ), those plans have been derailed by resistance from federalMy articles are written with a mind to owning a stock for years, not trying to predict price movements in a few months. I don't do target prices; I do valuations.I first entered investing in 2020 as an individual value investor, keen to understand the fundamentals of ...

NEW YORK, Sept. 05, 2024 (GLOBE NEWSWIRE) -- Monteverde & Associates PC (the “M&A Class Action Firm”), has recovered money for shareholders and is recognized as a Top 50 Firm in the 2018-2022 ISS Securities Class Action Services Report. We are headquartered at the Empire State Building in New York City and are investigating Discover Financial Services (NYSE: DFS), relating to its proposed merger with Capital One Financial Corp. Under the terms of the agreement, DFS shareholders are expected to receive 1.019 ...

NEW YORK, Sept. 4, 2024 /PRNewswire/ -- Monteverde & Associates PC (the "M&A Class Action Firm"), has recovered money for shareholders and is recognized as a Top 50 Firm in the 2018-2022 ISS Securities Class Action Services Report. We are headquartered at the Empire State Building in New York City and are investigating Discover Financial Services (NYSE: DFS), relating to its proposed merger with Capital One Financial Corp. Under the terms of the agreement, DFS shareholders are expected to receive 1.0192 sha ...

文章核心观点 - 公司在第二季度业绩表现强劲,主要得益于利息收入增长、信贷损失准备金下降、贷款增长、PULSE交易量增加以及利差扩大[3][4][5][6][7] - 公司已与Capital One Financial Corporation达成合并协议,并计划出售私人学生贷款业务[16][17] - 公司预计2024年贷款增长将下降至低个位数,净利差将在11.1%-11.4%之间,营业费用将同比中个位数增长,平均净核销率将升至4.9%-5.2%[18][19] 公司经营情况 - 利息收入增长16%,达到近50亿美元,超出预期[6] - 非利息收入增长45%,达到10亿美元,大幅超出预期[6] - 总营业费用增长23%,达到17亿美元,高于预期[7] - 数字银行业务税前利润增长63%,达到18亿美元,大幅超出预期[8] - 支付服务业务税前利润大幅改善,达到2.77亿美元,超出预期[11] - 贷款总额增长8%,达到1276亿美元,其中信用卡贷款增长7%[9] 财务状况 - 总资产为1509亿美元,较2023年末略有下降[13] - 流动性投资组合为224亿美元,较2023年末有所下降[13] - 总负债为1348亿美元,较2023年末有所下降[14] - 总权益增至161亿美元[14] - 暂停股票回购,维持每季度0.7美元的现金股利[15]