For the quarter ended December 2024, Uncover (DFS) reported income of $4.76 billion, up 13.4% over the identical interval final 12 months. EPS got here in at $5.11, in comparison with $1.54 within the year-ago quarter.
The reported income represents a shock of +8.40% over the Zacks Consensus Estimate of $4.39 billion. With the consensus EPS estimate being $3.17, the EPS shock was +61.20%.
Whereas traders intently watch year-over-year modifications in headline numbers — income and earnings — and the way they examine to Wall Road expectations to find out their subsequent plan of action, some key metrics at all times present a greater perception into an organization’s underlying efficiency.
Since these metrics play an important function in driving the top- and bottom-line numbers, evaluating them with the year-ago numbers and what analysts estimated about them helps traders higher challenge a inventory’s worth efficiency.
Right here is how Uncover carried out within the simply reported quarter when it comes to the metrics most generally monitored and projected by Wall Road analysts:
- Web Curiosity Margin: 12% versus 11.4% estimated by 15 analysts on common.
- Working Effectivity: 39% versus 38.7% estimated by 14 analysts on common.
- Web Principal Cost-off Charge: 4.2% in comparison with the 5% common estimate primarily based on 14 analysts.
- Credit score Card Loans – Uncover Card Gross sales Quantity: $55.25 billion versus the 14-analyst common estimate of $56.36 billion.
- Credit score Card Loans – Complete Uncover Card Quantity: $58.31 billion versus the 10-analyst common estimate of $59.67 billion.
- Community Quantity – Complete Cost Companies: $102.42 billion versus $105.64 billion estimated by 10 analysts on common.
- Community Quantity – Diners Membership Worldwide: $11.44 billion versus $10.86 billion estimated by 9 analysts on common.
- Community Quantity – Community Companions: $6.08 billion in comparison with the $8.28 billion common estimate primarily based on 9 analysts.
- Community Quantity – PULSE Community: $84.90 billion versus $86.86 billion estimated by 9 analysts on common.
- Common Balances – Complete Curiosity Incomes Belongings: $150.89 billion in comparison with the $151.88 billion common estimate primarily based on 9 analysts.
- Tier 1 Threat Primarily based Capital Ratio: 15% versus 14.3% estimated by 9 analysts on common.
- Transactions Processed on Networks – Complete: $3.44 billion versus the nine-analyst common estimate of $3.67 billion.
View all Key Company Metrics for Discover here>>>
Shares of Uncover have returned +7.2% over the previous month versus the Zacks S&P 500 composite’s +2.1% change. The inventory at present has a Zacks Rank #3 (Maintain), indicating that it may carry out in keeping with the broader market within the close to time period.
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The views and opinions expressed herein are the views and opinions of the writer and don’t essentially mirror these of Nasdaq, Inc.
