Image source: The Motley Fool.Wednesday, Apr 23, 2025CALL PARTICIPANTSMichael Shepherd: Interim CEO and PresidentJohn Greene: Chief Financial OfficerErin Stieber: Unspecified RoleNeed a quote from one of our analysts? Email [email protected] Earnings Per Share Growth: 31% year-over-year increase in Q1 2025Net Income: $1.1 billion, up 30% from the prior yearNet Interest Margin: 12.18%, up 115 basis points year-over-year and 22 basis points sequentiallyCard Receivables: Down 0.5% year-over-year Discover Card ...

Discover Financial Services (DFS) reported first-quarter 2025 adjusted earnings per share of $4.25, which surpassed the Zacks Consensus Estimate by 28.8%. Also, the bottom line climbed 31% year over year. (See the Zacks Earnings Calendar to stay ahead of market-making news.)DFS’ revenues, net of interest expenses, were $4.3 billion. The metric inched up 2% year over year and beat the consensus mark by 0.7%.The quarterly results were aided by reduced provisions for credit losses, improved net interest margin ...

Exhibit 99.3 1Q25 Financial Results April 23, 2025 2 1Q25 Highlights 3 • 1Q25 net income of $1.1Bn; diluted EPS of $4.25, and return on equity of 24% • Financial performance remains solid ◦ Revenue growth from margin expansion ◦ Good credit performance highlighted by a reserve release and lower net charge-offs ◦ Strong capital position; CET1 ratio of 14.7% • Prudently managing our business ◦ Customer trends are stable ◦ Monitoring economic developments • Secured all necessary approvals for our pending merge ...

Positive credit trends contributed to “solid first quarter financial performance” at Discover Financial Services, Discover Interim CEO and President Michael Shepherd said in a Wednesday (April 23) earnings release.The digital banking and payment services company saw its net income leap 30% year over year in the first quarter to reach $1.1 billion, according to the release.Shepherd said Discover’s financial performance benefited from “strong net interest margin and positive credit trends.”The company’s net i ...

DISCOVER FINANCIAL SERVICES Exhibit 99.2 EARNINGS SUMMARY (unaudited, in millions, except per share statistics) | | | | Quarter Ended | | | | | | --- | --- | --- | --- | --- | --- | --- | --- | | | Mar 31, | Dec 31, | Sep 30, | Jun 30, | Mar 31, | Mar 31, 2025 vs. | | | | 2025 | 2024 | 2024 | 2024 | 2024 | | Mar 31, 2024 | | EARNINGS SUMMARY | | | | | | | | | Interest Income | $4,801 | $4,989 | $5,112 | $4,971 | $4,948 | ($147) | (3 %) | | Interest Expense | 1,243 | 1,359 | 1,457 | 1,447 | 1,461 | (218) | ( ...

Leading digital banking and payment service provider Discover Financial Services (DFS) is set to report its first-quarter 2025 results on April 23, after the closing bell. The Zacks Consensus Estimate for the to-be-reported quarter’s earnings is currently pegged at $3.32 per share on revenues of $4.21 billion. (See the Zacks Earnings Calendar to stay ahead of market-making news.)The first-quarter earnings estimate has been constant over the past week. The bottom-line projection indicates a year-over-year in ...

Wall Street analysts forecast that Discover (DFS) will report quarterly earnings of $3.32 per share in its upcoming release, pointing to a year-over-year increase of 201.8%. It is anticipated that revenues will amount to $4.21 billion, exhibiting no change compared to the year-ago quarter.Over the last 30 days, there has been a downward revision of 1.4% in the consensus EPS estimate for the quarter, leading to its current level. This signifies the covering analysts' collective reconsideration of their initi ...

文章核心观点 联邦存款保险公司（FDIC）和美联储因发现金融服务公司及其子公司将消费信用卡误分类为商业信用卡，导致商家支付更高交换费而对其进行罚款，同时美联储批准了第一资本金融公司与发现金融服务公司的合并申请 [1][5] 监管处罚 - FDIC责令发现银行支付12.25亿美元赔偿金和1.5亿美元民事罚款，因其17年间将数百万张消费信用卡误分类为商业信用卡，使商家多支付超10亿美元交换费，赔偿金将支付给受影响的商家、收单机构和其他中介 [2][3] - 美联储对发现金融服务公司及其子公司DFS Services LLC发布同意令要求整改，并处以1亿美元民事罚款，原因是2007 - 2023年多收某些交换费 [4] 公司回应与进展 - 发现金融表示一直在与监管机构合作解决信用卡误分类问题，已终止不当做法并向受影响客户退还费用 [3][6] - 第一资本金融称已获得完成交易所需的所有监管批准，预计交易于5月18日完成，需满足惯常成交条件，且承诺遵守美联储对发现金融的行动，包括补救要求 [6] 前期报道 - 2024年2月报道称第一资本金融预计解决发现金融的监管挑战过程漫长且成本高昂 [7]

文章核心观点 《2025年中国银行与保险名录》被添加到ResearchAndMarkets.com的产品中 该名录是涵盖中国金融服务公司、机构和组织最全面的出版物 对在中国金融市场开展业务的人至关重要 [1] 分组1：名录涵盖范围 - 涵盖中国数百家领先金融机构 包括银行、投资、保险和租赁公司 [1] 分组2：名录条目提供信息 - 提供公司名称、地址、电话、传真号码、电子邮件、网站、高级管理人员和董事会成员姓名、业务活动描述、子公司和关联公司、员工数量等 [2] 分组3：名录包含具体信息 - 包含英文名称和地址、电话和传真号码、电子邮件、关键高管联系方式、总部位置、网站等 [5] - 涵盖银行业 包括商业银行、外资银行、国有银行 [5] - 涵盖保险业 包括保险公司、政策性保险公司、再保险公司 [5] - 涵盖投资公司与基金、证券业 包括证券公司、证券投资与咨询公司 [5]

文章核心观点 - Discover近期受抛售压力股价下跌21.9%，处于超卖区域，华尔街分析师预计其盈利将改善，股价可能反弹 [1] 超卖股票识别方法 - 用相对强弱指数（RSI）判断股票是否超卖，RSI衡量价格变动速度和变化，在0到100间波动，通常RSI低于30被视为超卖 [2] - RSI可帮助快速检查股票价格是否接近反转点，因不合理抛售导致股价远低于公允价值时，投资者可寻找入场机会 [3] - RSI有局限性，不能单独用于投资决策 [4] Discover趋势反转原因 - Discover的RSI读数为28.59，表明抛售压力可能耗尽，股价趋势可能很快反转以恢复供需平衡 [5] - 卖方分析师上调Discover今年盈利预期，过去30天共识每股收益预期提高0.5%，盈利预期上调通常会带来短期股价上涨 [6] - Discover目前Zacks排名为2（买入），处于基于盈利预期修正趋势和每股收益意外排名的4000多只股票的前20%，表明其短期内有潜在反转可能 [7]