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- Q4 2023 Discover Financial Services Earnings Call TranscriptJan 18, 2024$97 (-10.80%)Earnings
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- Q3 2023 Discover Financial Services Earnings Call TranscriptOct 19, 2023$84.59 (-7.90%)Earnings
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- Q2 2023 Discover Financial Services Earnings Call TranscriptJul 20, 2023$102.45 (-15.92%)Earnings
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- Discover Financial Services at Sanford C Bernstein Strategic Decisions Conference TranscriptJun 02, 2023
- Discover Financial Services Annual Shareholders Meeting TranscriptMay 11, 2023
- Q1 2023 Discover Financial Services Earnings Call TranscriptApr 20, 2023$105.18 (-0.55%)Earnings
- Discover Financial Services at RBC Capital Markets Global Financial Institutions Conference TranscriptMar 07, 2023
- Discover Financial Services at KBW Fintech Payments Conference TranscriptMar 01, 2023
- Discover Financial Services at Credit Suisse Financial Services Forum TranscriptFeb 14, 2023
- Q4 2022 Discover Financial Services Earnings Call TranscriptJan 19, 2023$101.9 (-0.43%)Earnings
- Discover Financial Services at Goldman Sachs US Financial Services Conference TranscriptDec 06, 2022
- Q3 2022 Discover Financial Services Earnings Call TranscriptOct 25, 2022$99.97 (+4.29%)Earnings
- Discover Financial Services at Barclays Global Financial Services Conference TranscriptSep 13, 2022
- Q2 2022 Discover Financial Services Earnings Call TranscriptJul 21, 2022$100 (-8.93%)Earnings
- Discover Financial Services at Morgan Stanley US Financials, Payments & CRE Conference TranscriptJun 15, 2022
- Discover Financial Services at Sanford C Bernstein Strategic Decisions Conference TranscriptJun 03, 2022
- Discover Financial Services Annual Shareholders Meeting TranscriptMay 19, 2022
- Q1 2022 Discover Financial Services Earnings Call TranscriptApr 28, 2022$115.98 (+8.38%)Earnings
- Discover Financial Services at Wolfe Research Fintech Forum TranscriptMar 09, 2022
- Discover Financial Services at KBW Fintech Payments Conference TranscriptMar 03, 2022
- Discover Financial Services at Credit Suisse Financial Services Forum TranscriptFeb 17, 2022
- Q4 2021 Discover Financial Services Earnings Call TranscriptJan 20, 2022$116.8 (-1.43%)Earnings
- Discover Financial Services at Goldman Sachs US Financial Services Conference TranscriptDec 07, 2021
- Discover Financial Services at Bank of America Banking and Financials Conference (Virtual) TranscriptNov 09, 2021
- Q3 2021 Discover Financial Services Earnings Call TranscriptOct 21, 2021$124.84 (-6.13%)Earnings
- Discover Financial Services at Barclays Financial Services Conference (Virtual) TranscriptSep 14, 2021
- Q2 2021 Discover Financial Services Earnings Call TranscriptJul 22, 2021$123.96 (-1.27%)Earnings
- Discover Financial Services at Morgan Stanley US Financials, Payments & Commercial Real Estate Conference (Virtual) TranscriptJun 15, 2021
- Discover Financial Services Annual Shareholders Meeting TranscriptMay 05, 2021
- Q1 2021 Discover Financial Services Earnings Call TranscriptApr 22, 2021$99.5 (+1.12%)Earnings
- Discover Financial Services at Wolfe Research FinTech Forum (Virtual) TranscriptMar 09, 2021
- Discover Financial Services at Credit Suisse Virtual Financial Services Forum (Virtual) TranscriptFeb 25, 2021
- Q4 2020 Discover Financial Services Earnings Call TranscriptJan 21, 2021$94.24 (-5.66%)Earnings
- Q3 2020 Discover Financial Services Earnings Call TranscriptOct 22, 2020$66.16 (+9.17%)Earnings
- Discover Financial Services at Barclays Global Financials New York Conference (Virtual) TranscriptSep 15, 2020
- Q2 2020 Discover Financial Services Earnings Call TranscriptJul 23, 2020$51.63 (+1.83%)Earnings
- Discover Financial Services at Morgan Stanley Virtual US Financials Conference TranscriptJun 09, 2020
- Discover Financial Services at Moffettnathanson Payments, Processors, and IT Services Summit (Virtual) TranscriptJun 02, 2020
- Discover Financial Services Annual Shareholders Meeting TranscriptMay 14, 2020
- Discover Financial Services at Barclays Americas Select Franchise Conference (Virtual) TranscriptMay 12, 2020
- Q1 2020 Discover Financial Services Earnings Call TranscriptApr 23, 2020$34.82 (-0.94%)Earnings
- Discover Financial Services at KBW Cards, Payments & Financial Technology Symposium TranscriptMar 04, 2020
- Discover Financial Services at Credit Suisse Financial Services Forum TranscriptFeb 28, 2020
- Q4 2019 Discover Financial Services Earnings Call TranscriptJan 23, 2020$85.85 (+0.60%)Earnings
- Q3 2019 Discover Financial Services Earnings Call TranscriptOct 22, 2019$81.15 (+0.88%)Earnings
- Discover Financial Services at Barclays Global Financial Services Conference TranscriptSep 09, 2019
- Q2 2019 Discover Financial Services Earnings Call TranscriptJul 23, 2019$84.48 (+2.61%)Earnings
- Discover Financial Services at Morgan Stanley U.S. Financials Conference TranscriptJun 11, 2019
- Discover Financial Services at MoffettNathanson Payments, Processors, and IT Services Summit TranscriptMay 29, 2019
- Discover Financial Services Annual Shareholders Meeting TranscriptMay 16, 2019
- Discover Financial Services at Barclays Americas Select Franchise Conference TranscriptMay 14, 2019
- Q1 2019 Discover Financial Services Earnings Call TranscriptApr 25, 2019$77.53 (+0.66%)Earnings
- Discover Financial Services at KBW Cards, Payments & Financial Technology Symposium TranscriptFeb 28, 2019
- Discover Financial Services at Credit Suisse Financial Services Forum TranscriptFeb 12, 2019
- Q4 2018 Discover Financial Services Earnings Call TranscriptJan 24, 2019$66.18 (+0.03%)Earnings
Discover Financial Services at Barclays Global Financial Services Conference Transcript
Good afternoon, and thank you for joining us. I'm very pleased to be joined up on the stage by Roger Hochschild, the CEO of Discover. We're going to do a fireside chat format today.
Before we get into my prepared questions, I want to lead it off with a few audience response questions for those of you who are -- who want to participate, please chime in. If we can queue up the first question.
What factor do you view as the most likely to determine whether Discover outperforms over the next year: one, accelerating loan growth; two, upside to NIM; three, stable to improving credit; four, improving operating efficiency; or five, other?
(Voting)
Questions & Answers
So a pretty overwhelming 76% indicated stable to improving credit. Is that a question that is top of mind for you these days?
Yes. I think given where we are in this cycle as well as whatever it reads in the
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