에 대한 최신 뉴스 Discover Finl (NYSE:DFS) 주식

Discover Finl

Discover Financial Services is a bank operating in two distinct segments: direct banking and payment services. The company issues credit and debit cards and provides other consumer banking products including deposit accounts and personal loans. It also operates the Discover, Pulse, and Diners Club networks. The Discover network is the fourth-largest payment network in the United States as ranked by overall purchase volume, and Pulse is one of the largest ATM networks in the country.

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지역 은행 부문은 지난 2년 동안 잘못된 이유로 많은 헤드라인을 장식했다. 실리콘밸리 은행, 시그니처 은행 및 퍼스트 리퍼블릭 은행과 같은 은행 파산 사건은 이 부문에 큰 충격을 주었고, 2023년 말 SPDR 지역은행 ETF(NYSE:KRE)는 40% 이상 하락했다.

트럼프가 증권거래위원회 새 리더십을 지명하기 전에 사야 할 6개 지역 은행주

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디스커버 파이낸셜 서비스(NYSE:DFS)가 수요일 시장 마감 후 3분기 재무 결과를 발표했다. 다음은 보고서의 세부사항이다. 세부 사항: 디스커버는 주당 3.69달러의 분기당 이익을 보고했으며, 이는 애널리스트의 컨센서스 추정치인 3.44달러를 초과한 수치이다. 분기 매출은 44억 5,300만 달러로, 애널리스트의 컨센서스 추정치인 43억 4,600만 달러를 초과했으며, 지난해 같은 기간 매출 40억 4,400만 달러에 비해 10.11% 증가했다.

디스커버 파이낸셜: 예상을 능가하는 3분기 실적, 전년 대비 연체율 상승

캐피털 원 파이낸셜(NYSE:COF)의 주가는 수요일 시간외 거래에서 상승했다. 캐피털 원은 시장 마감 후 예상보다 나은 2분기 실적을 발표한 디스커버 파이낸셜 서비스(NYSE:DFS) 인수를 목표로 하고 있다.

캐피털 원의 주식이 수요일 애프터마켓에서 왜 상승하나?

Discover Financial Services

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On Wednesday, the Consumer Financial Protection Bureau (CFPB) announced significant measures to protect consumers from deceptive <a target="_blank" href="https://www.benzinga.com/topic/credit-cards" rel="noreferrer noopener">credit card</a> practices and help them save money on interest and fees.
These efforts include issuing a circular to law enforcement agencies, publishing new research on retail credit cards, and launching a comparison tool to aid consumers in navigating the <a target="_blank" href="https://www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-on-bait-and-switch-credit-card-rewards-tactics/" rel="noreferrer noopener">credit card market</a>.
Investors will closely watch credit card companies, including Visa Inc (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/V#NYSE">V</a>), Mastercard Inc (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MA#NYSE">MA</a>), American Express Co (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/AXP#NYSE">AXP</a>), Affirm Holdings, Inc (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/AFRM#NASDAQ">AFRM</a>), Corpay, Inc (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CPAY#NYSE">CPAY</a>), Global Payments Inc (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/GPN#NYSE">GPN</a>) and Shift4 Payments, Inc (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/FOUR#NYSE">FOUR</a>).
Also Read: <a target="_blank" href="https://www.benzinga.com/24/12/42553094/jabil-q1-earnings-tops-expectations-cloud-and-data-center-growth-outlook" rel="noreferrer noopener">Jabil Q1 Earnings: Revenue And EPS Beat, Cloud and Data Center Growth, Raises Annual Outlook</a>
According to the CFPB, some credit card issuers may be engaging in illegal practices such as devaluing rewards points or miles, making it difficult for consumers to redeem promised benefits.
The agency highlighted that companies could face penalties if they fail to deliver advertised rewards, mislead users with hidden terms, or revoke rewards through unclear policies.
The circular aims to deter companies from engaging in bait-and-switch tactics and to encourage fair competition within the credit card industry.
As part of its ongoing research, the CFPB discovered that retail credit cards often charge higher interest rates than general-purpose cards. According to the study, more than 90% of retail cards carry a maximum annual percentage rate (APR) above 30%, compared to just 38% for non-retail cards.
Retail cards, frequently promoted during peak shopping seasons, also account for a disproportionate share of late fees, highlighting potential consumer risks.
The CFPB unveiled its &#8220;Explore Credit Cards&#8221; tool to address these concerns, designed to provide unbiased information about over 500 credit cards. Unlike traditional comparison sites, this platform enables users to compare cards based on interest rates, fees, and rewards without pay-to-play promotions.
Earlier this year, the CFPB revealed that larger credit card issuers charge significantly higher interest rates than smaller banks and credit unions. By making average interest rate data publicly accessible, the CFPB aims to empower consumers to make informed decisions and find the best rates tailored to their needs.
The CFPB plans to continue monitoring the credit card market and welcomes voluntary data contributions from additional issuers to enhance its comparison tool further.
In October, the CFPB ordered Apple Inc (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/AAPL#NASDAQ">AAPL</a>) and Goldman Sachs Group Inc (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/GS#NYSE">GS</a>) to pay <a target="_blank" href="https://www.benzinga.com/government/24/10/41501333/apple-goldman-sachs-fined-89-million-over-apple-card-missteps-government-watchdog-orders-victim-comp" rel="noreferrer noopener">$89 million in fines</a> for deceptive practices regarding the Apple Card.
In December, Morgan Stanley (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MS#NYSE">MS</a>) Wealth Management agreed to pay a <a target="_blank" href="https://www.benzinga.com/24/12/42405341/morgan-stanley-agrees-to-pay-15m-penalty-to-settle-sec-charges-over-advisors-stealing-client-funds" rel="noreferrer noopener">$15 million fine</a> after the SEC found the firm failed to prevent financial advisors from using client funds to cover personal credit card bills. The SEC investigation uncovered gaps in supervisory practices between 2015 and 2022, allowing unauthorized Automated Clearing House (ACH) transfers to advisors&#8217; accounts.
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Photo via Shutterstock

Government

Regulations

AAPL

AFRM

CPAY

FOUR

Consumer Finance Watchdog Cracks Down on Credit Card Sneaky Fees and False Promises

<a href="https://www.sec.gov/ix?doc=/Archives/edgar/data/0001393612/000139361224000062/dfs-20241213.htm" title="https://www.sec.gov/ix?doc=/Archives/edgar/data/0001393612/000139361224000062/dfs-20241213.htm">https://www.sec.gov/ix?doc=/Archives/edgar/data/0001393612/000139361224000062/dfs-20241213.htm</a>

Discover Financial Services Credit Card Charge-Off Rate 2.41% At November End; Credit Card Delinquency Rate 1.77% At November End

JP Morgan analyst Richard Shane maintains Discover Finl (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/DFS#NYSE">DFS</a>) with a Neutral and raises the price target from $135 to $150.

Price Target

Analyst Ratings

JP Morgan Maintains Neutral on Discover Finl, Raises Price Target to $150

Keefe, Bruyette &amp; Woods analyst Sanjay Sakhrani maintains Discover Finl (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/DFS#NYSE">DFS</a>) with a Outperform and raises the price target from $170 to $232.

Keefe, Bruyette & Woods Maintains Outperform on Discover Finl, Raises Price Target to $232

The regional banking sector has spent much of the last two years making headlines for all the wrong reasons. <a href="https://www.fdic.gov/resources/resolutions/bank-failures/in-brief/2023">Bank failures</a> like Silicon Valley, Signature Bank, and First Republic Bank rocked the sector, and the SPDR Regional Banking ETF (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/KRE#NYSE">KRE</a>) dropped more than 40% at the end of 2023.
Investors remained on edge to start 2024 following another pair of failures, but the sector has rebounded following the Federal Reserve's rate-cut strategy and the 2024 U.S. presidential election results.
The incoming Trump administration is expected to replace several top regulators, such as Linda Khan (at the FTC), Rohit Chopra (CFPB), and Gary Gensler (SEC), which could create an atmosphere for more mergers and acquisitions through less stringent regulation.
Regional banks stand to be some of the biggest beneficiaries of this attitude change, and KRE has already jumped 18% in the last month.
Let&#8217;s take a look at five of the most promising regional bank stocks to buy ahead of the new crop of regulators.
<h2 class="wp-block-heading">How We Narrowed It Down to Six Stocks to Buy</h2>
Looser capital guidelines and diminished regulatory scrutiny will benefit plenty of firms in the finance sector. We trimmed our regional bank stock list down to five based on the following criteria:
<ul>
<li>Beneficiary of Relaxed Deregulation &#8211; Several banking rules involving capital requirements (like Basel III) and liquidity standards could be relaxed during a second Trump admin, in addition to a more friendly M&amp;A environment. Regional banks can't meet these requirements as efficiently as larger national banks, so deregulation often benefits smaller banks.</li>
<li>Valuation Metrics &#8211; The banks on our list have affordable stocks compared to their sector peers based on metrics like Price-to-Earnings (P/E), Price-to-Sales (P/S), and Price-to-Book (P/B) rates.</li>
<li>Dividend Yield &#8211; If you own bank stocks, you want to be compensated with stock price appreciation and dividend income. These regional banks all pay higher dividend yields than the industry average.</li>
</ul>
<h2 class="wp-block-heading">Top Six Regional Banks to Buy</h2>
Based on the above criteria, here are five regional bank stocks to consider adding to your portfolio before a second Trump administration, and its new crop of top regulators, sets up shop in Washington.
<h3 class="wp-block-heading">US Bancorp (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/USB#NYSE">USB</a>)</h3>
US Bancorp&#8217;s roots date back to the Civil War when it was awarded the 24th national bank charter of the United States. Today, it&#8217;s one of the largest regional banks in the United States, with a market cap of over $83 billion and 68,000 employees. USB shares have lagged in 2024, with a 23% year-to-date gain compared to 30% from KRE, but looser regulations could be a tailwind as the bank <a href="https://www.usbank.com/about-us-bank/company-blog/article-library/us-bancorp-completes-acquisition-of-union-bank.html">acquired MUFG Union Bank</a> in 2022 to expand operations into California, Oregon, and Washington. The stock has reasonable fundamental metrics like a 16.5 P/E ratio and 1.97 P/S ratio and pays a 3.73% dividend yield.
<figure class="wp-block-image size-large"><img loading="lazy" decoding="async" width="1024" height="395" src="https://editorial-assets.benzinga.com/wp-content/uploads/2024/11/29133051/USB-1024x395.png" alt="" class="wp-image-670667" srcset="https://editorial-assets.benzinga.com/wp-content/uploads/2024/11/29133051/USB-1024x395.png 1024w,https://editorial-assets.benzinga.com/wp-content/uploads/2024/11/29133051/USB-300x116.png 300w,https://editorial-assets.benzinga.com/wp-content/uploads/2024/11/29133051/USB-768x296.png 768w,https://editorial-assets.benzinga.com/wp-content/uploads/2024/11/29133051/USB.png 1364w" sizes="(max-width: 1024px) 100vw, 1024px" /></figure>
<h3 class="wp-block-heading">KeyCorp (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/KEY#NYSE">KEY</a>)</h3>
KeyCorp has a market cap under $20 billion and less reach than bigger regional banks like US Bancorp, but the stock makes our list thanks to a combination of good value, high dividend yield, and potential growth from deregulation. The bank has two segments: Consumer Banking and Commercial Banking, with the commercial wing focused on small and mid-size business services. KeyBanc Capital Markets is the company's M/A wheelhouse, having negotiated more than 500 clients on mergers in the mid-size business space. KEY stock has the highest P/E ratio of banks on our list at 19.4 but rewards shareholders with a 4.17% dividend yield, and its P/B rate is bottom third in the sector at 1.3.
<figure class="wp-block-image size-large"><img loading="lazy" decoding="async" width="1024" height="395" src="https://editorial-assets.benzinga.com/wp-content/uploads/2024/11/29133059/KEY-1024x395.png" alt="" class="wp-image-670668" srcset="https://editorial-assets.benzinga.com/wp-content/uploads/2024/11/29133059/KEY-1024x395.png 1024w,https://editorial-assets.benzinga.com/wp-content/uploads/2024/11/29133059/KEY-300x116.png 300w,https://editorial-assets.benzinga.com/wp-content/uploads/2024/11/29133059/KEY-768x296.png 768w,https://editorial-assets.benzinga.com/wp-content/uploads/2024/11/29133059/KEY.png 1364w" sizes="(max-width: 1024px) 100vw, 1024px" /></figure>
<h3 class="wp-block-heading">Regions Financial Corp (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/RF#NYSE">RF</a>)</h3>
Regions Financial doesn't have a hundred-plus-year history like US Bancorp or KeyCorp, but it does offer a variety of banking and wealth management services to clients across the southern region. RF shares have actually outperformed KRE so far in 2024 (42% vs 30%), and its debt/equity level of 0.35 is the lowest of our selections, indicating a well-capitalized bank poised to benefit from more risk-taking. The stock pays a 3.66% dividend yield with a 13.4 P/E ratio and 1.48 P/B ratio.
<figure class="wp-block-image size-large"><img loading="lazy" decoding="async" width="1024" height="395" src="https://editorial-assets.benzinga.com/wp-content/uploads/2024/11/29133104/RF-1024x395.png" alt="" class="wp-image-670669" srcset="https://editorial-assets.benzinga.com/wp-content/uploads/2024/11/29133104/RF-1024x395.png 1024w,https://editorial-assets.benzinga.com/wp-content/uploads/2024/11/29133104/RF-300x116.png 300w,https://editorial-assets.benzinga.com/wp-content/uploads/2024/11/29133104/RF-768x296.png 768w,https://editorial-assets.benzinga.com/wp-content/uploads/2024/11/29133104/RF.png 1364w" sizes="(max-width: 1024px) 100vw, 1024px" /></figure>
<h3 class="wp-block-heading">Truist Financial Corp (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/TFC#NYSE">TFC</a>)</h3>
Formed during the merger of SunTrust Bank and BB&amp;T Corp, Truist Financial is the second-largest regional bank on our list, and one of the reasons is that KRE is up more than 30% this year. TFC shares have matched the regional banking ETF performance almost penny for penny in 2024, but the stock remains well below its 2022 all-time high. Truist has the lowest P/B ratio on our list at 1.08, pays a 4.36% dividend yield, and recently sold off its insurance and asset management subsidiaries to improve its liquidity and capitalization situation. Truist mainly serves states east of the Mississippi River but plans to expand operations in the Sun Belt. These plans could benefit from increased M/A activity and deregulation in the next few years.
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<figure class="wp-block-image size-large"><img loading="lazy" decoding="async" width="1024" height="395" src="https://editorial-assets.benzinga.com/wp-content/uploads/2024/11/29133110/TFC-1024x395.png" alt="" class="wp-image-670670" srcset="https://editorial-assets.benzinga.com/wp-content/uploads/2024/11/29133110/TFC-1024x395.png 1024w,https://editorial-assets.benzinga.com/wp-content/uploads/2024/11/29133110/TFC-300x116.png 300w,https://editorial-assets.benzinga.com/wp-content/uploads/2024/11/29133110/TFC-768x296.png 768w,https://editorial-assets.benzinga.com/wp-content/uploads/2024/11/29133110/TFC.png 1364w" sizes="(max-width: 1024px) 100vw, 1024px" /></figure>
<h3 class="wp-block-heading">M&amp;T Bank (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MTB#NYSE">MTB</a>)</h3>
M&amp;T Bank (which stands for Manufacturers and Traders) is one of the nation&#8217;s oldest banks, with predecessors tracing back as far as 1856. MTB has a $36 billion market cap and pays a 2.45% dividend, the lowest on our list but easily sustained by the company's income. The stock has been one of 2024's biggest success stories, posting an astonishing 60% gain in 2024, which doubled the regional banking ETF. Following the bank's strong October earnings report, more gains could be on the horizon, causing many analysts to upgrade their ratings and price targets. M&amp;T Bank has a 16.3 P/E ratio and a 1.4 P/B ratio, and its net profit margin of 18.7 is bested only by Regions Financial.
<figure class="wp-block-image size-large"><img loading="lazy" decoding="async" width="1024" height="395" src="https://editorial-assets.benzinga.com/wp-content/uploads/2024/11/29133115/MTB-1024x395.png" alt="" class="wp-image-670671" srcset="https://editorial-assets.benzinga.com/wp-content/uploads/2024/11/29133115/MTB-1024x395.png 1024w,https://editorial-assets.benzinga.com/wp-content/uploads/2024/11/29133115/MTB-300x116.png 300w,https://editorial-assets.benzinga.com/wp-content/uploads/2024/11/29133115/MTB-768x296.png 768w,https://editorial-assets.benzinga.com/wp-content/uploads/2024/11/29133115/MTB.png 1364w" sizes="(max-width: 1024px) 100vw, 1024px" /></figure>
<h3 class="wp-block-heading">Discover Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/DFS#NYSE">DFS</a>)&nbsp;</h3>
Discover Financial has been linked with Capital One since the latter announced intentions to purchase the former for $35 billion in February. However, the deal has been in limbo since New York regulators began investigating the acquisition for possible antitrust violations. DFS shares traded in a tight range from July until the week of the election, but both DFS and COF stocks immediately gapped up on the Wednesday following Trump's victory. Investors anticipate the deal going through in a less harsh regulatory environment, so DFS shares could continue to rally in the weeks ahead.
<figure class="wp-block-image size-large"><img loading="lazy" decoding="async" width="1024" height="395" src="https://editorial-assets.benzinga.com/wp-content/uploads/2024/11/29133121/DFS-1024x395.png" alt="" class="wp-image-670672" srcset="https://editorial-assets.benzinga.com/wp-content/uploads/2024/11/29133121/DFS-1024x395.png 1024w,https://editorial-assets.benzinga.com/wp-content/uploads/2024/11/29133121/DFS-300x116.png 300w,https://editorial-assets.benzinga.com/wp-content/uploads/2024/11/29133121/DFS-768x296.png 768w,https://editorial-assets.benzinga.com/wp-content/uploads/2024/11/29133121/DFS.png 1364w" sizes="(max-width: 1024px) 100vw, 1024px" /></figure>
Keep in mind that campaign promises don't always materialize in reality, and the previous Trump administration was often as much bark as bite. Less regulation and more M&amp;A are expected, but investments based on political overtures are short-term bets by nature. Don't hang on to losing stocks if the regulatory environment we get is different than anticipated.
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6 Regional Bank Stocks to Buy Before Trump Names New SEC Leadership

The Company expects the Restated Financial Statements to reflect the following approximate impacts: as of December 31, 2023, (i) an increase in assets of $190 million, (ii) an increase in accrued expenses and other liabilities of $783 million, and (iii) a decrease in retained earnings of $593 million.&nbsp;
For the years ended December 31, 2023 and 2022, pre-tax income would be reduced by approximately $190 million to $3,636 million and $77 million to $5,641 million, respectively. For the third quarter of 2024, pre-tax income would decrease by approximately $6 million to $1,282 million while pre-tax income for the nine months ended September 30, 2024 would increase by approximately $700 million to $4,462 million (as compared to the pre-tax income reported in the financial information with respect to the quarter ended September 30, 2024 in the exhibits furnished with the Company's Current Report on Form 8-K filed with the SEC on October 16, 2024).

Discover Financial Services Gets NYSE Notice Regarding Filing Of Form 10-Q; Plans To Restate Certain Prior Period Financial Statements

Discover Finl's (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/DFS#NYSE">DFS</a>) short percent of float has risen 12.72% since its last report. The company recently reported that it has 4.27 million shares sold short, which is 1.95% of all regular shares that are available for trading. Based on its trading volume, it would take traders 2.64 days to cover their short positions on average.
<h3>Why Short Interest Matters</h3>
Short interest is the number of shares that have been sold short but have not yet been covered or closed out. <a href="https://www.benzinga.com/money/how-to-short-a-stock/">Short selling</a> is when a trader sells shares of a company they do not own, with the hope that the price will fall. Traders make money from short selling if the price of the stock falls and they lose if it rises.
Short interest is important to track because it can act as an indicator of market sentiment towards a particular stock. An increase in short interest can signal that investors have become more bearish, while a decrease in short interest can signal they have become more bullish.
See Also: <a href="https://www.benzinga.com/short-interest">List of the most shorted stocks</a>
<h3>Discover Finl Short Interest Graph (3 Months)</h3>
<img src="https://www.benzinga.com/files/images/story/2024/1732197617_0.png" alt="short_fig" />
As you can see from the chart above the percentage of shares that are sold short for Discover Finl has grown since its last report. This does not mean that the stock is going to fall in the near-term but traders should be aware that more shares are being shorted.
<h3>Comparing Discover Finl's Short Interest Against Its Peers</h3>
Peer comparison is a popular technique amongst analysts and investors for gauging how well a company is performing. A company's peer is another company that has similar characteristics to it, such as industry, size, age, and financial structure. You can find a company's peer group by reading its 10-K, proxy filing, or by doing your own similarity analysis.
According to <a href="https://pro.benzinga.com/">Benzinga Pro</a>, Discover Finl's peer group average for short interest as a percentage of float is 7.51%, which means the company has less short interest than most of its peers.
Did you know that increasing short interest can actually be bullish for a stock? <a href="https://www.benzinga.com/money/how-to-make-money-on-a-short-squeeze/">This post by Benzinga Money explains how you can profit from it.</a>
This article was generated by Benzinga's automated content engine and was reviewed by an editor.

Short Sellers

Short Ideas

Looking Into Discover Finl's Recent Short Interest

Americans are <a href="https://www.benzinga.com/markets/equities/24/05/38901540/gen-z-is-charging-too-much-and-not-paying-bills-what-the-latest-credit-card-delinquency-data-say">racking up debt</a> and having a difficult time paying it off. 
The 30 or more day delinquency rate for Discover Financial Services (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/DFS#NYSE">DFS</a>) ticked up slightly in October from 3.84% to 3.87%. This is slightly lower than the Riverwoods, Illinois-based company&#8217;s yearly high of 4.02% in January.
Rates are slightly higher at Capital One Financial Corp. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/COF#NYSE">COF</a>), ending the month at 4.61%, slightly higher than September&#8217;s 4.53%.
American Express Corp (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/AXP#NYSE">AXP</a>) is known for its wealthier consumer base. The New York, New York-based company has not yet released delinquency data for October, but its 30+ day rate stood at 1.4% in September.
Higher delinquency rates can lead to increased provisions for credit losses and tighter lending standards.
Delinquency on the Rise: The Federal Bank of New York released its quarterly debt <a href="https://www.newyorkfed.org/medialibrary/interactives/householdcredit/data/pdf/HHDC_2024Q3">report</a> on Wednesday.
The report found that total household debt increased by $147 billion to $17.94 trillion in 2024&#8217;s third quarter. Credit card balances increased by $24 billion to $1.17 trillion, 8.1% higher than it was a year ago.
Credit card delinquency rates improved slightly overall, with 8.8% of balances transitioning to delinquency compared to 9.1% last quarter.
The percentage of credit card debt 90 or more days delinquent has risen faster than any other debt type in 2024.
Also Read:
<ul>
<li><a href="https://www.benzinga.com/government/regulations/24/11/42011035/just-before-bidens-term-ends-taiwan-semiconductor-lands-6-6-billion-in-us-funding-to-build-advanced-chip-plants">Just Before Biden&#8217;s Term Ends, Taiwan Semiconductor Lands $6.6 Billion in US Funding to Build Advanced Chip Plants</a></li>
</ul>
Image: Shutterstock

Equities

Econ #s

Personal Finance

Credit Card Delinquencies Tick Up At Discover, Capital One: Total Household Debt Hovers Just Below $18 Trillion

Today, Telered hosted representatives from Discover Global Network to mark the beginning of their work together. Telered, through the Sistema Clave system, is integrating with the Discover Global Network.
With this agreement, Sistema Clave users will be able to make purchases and payments at more than 70 million global acceptance locations1, as well as on frequently used online merchants and streaming platforms; and withdraw cash at more than 1.8 million ATMs worldwide across Discover's network. Additionally, Discover Global Network cardholders will be able to transact at Telered merchants in Panama.
For local users, the traditional advantages of the Sistema Clave card, such as low cost and PIN security for transactions, will be maintained, and Discover Global Network will help add contactless technology for quick payments and integration with digital wallets and transportation systems like the Panama Metro.
For merchants in Panama, the agreement represents the opening of a new universe of opportunities by allowing transactions from more than 345 million cardholders2 from Discover Network, Diners Club&#xAE;, PULSE&#xAE; and more than 25 strategic alliances from around the world, expanding their potential market. Additionally, the alliance with Discover will provide issuing and acquiring financial institutions with a more robust infrastructure, new security capabilities, will allow the issuance of cards with an international profile, and access to new global alliances.

Telered And Discover Global Network Sign Strategic Alliance, Increasing Acceptance For Cardholders

Discover Financial Reports $100.7B In Credit Card Loans As Of October 2024, Up From $98.7B YoY; Average Balances Remain Stable At $100.2B; Net Principal Charge-Off Rate Drops To 4.31% With Disaster Relief Impact, Though Up From 4.42% YoY; Delinquency Rate Rises Slightly To 3.87%

WIIM

EWBC

SCHW

TBBK

Shares of banks and financial services stocks are trading higher. The sector has gained amid the 2024 US presidential election results.

After Donald Trump's decisive win in the <a href="https://www.benzinga.com/topic/2024-election">2024 U.S. presidential election</a>, Wall Street reacted strongly, particularly in the financial sector. The Financial Select Sector SPDR Fund (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/XLF#NYSE">XLF</a>) rose 4.84%, while the Vanguard Financials Index Fund ETF (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/VFH#NYSE">VFH</a>) gained 5.33% in early Wednesday trading.
Meanwhile, the S&amp;P 500-tracking SPDR S&amp;P 500 ETF Trust (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SPY#NYSE">SPY</a>), the iShares Core S&amp;P 500 ETF (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/IVV#NYSE">IVV</a>), and the Vanguard S&amp;P 500 ETF (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/VOO#NYSE">VOO</a>) were up about 2%.
<h2 class="wp-block-heading">A Big Win for Banks on Election Day</h2>
As of 10 a.m. ET on Wednesday, seven of the top 10 performing S&amp;P 500 stocks were in the financial sector, with Discover Financial Services (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/DFS#NYSE">DFS</a>), Capital One Financial Corp (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/COF#NYSE">COF</a>), and Synchrony Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>) leading the charge.
Trump's victory promises a more favorable regulatory landscape for banks, fueling investor optimism.
Read Also: <a href="https://www.benzinga.com/trading-ideas/long-ideas/24/11/41776661/tesla-gm-norwegian-cruise-push-consumer-discretionary-ahead-of-s-p-500-on-election-day">Tesla, GM, Norwegian Cruise Push Consumer Discretionary Ahead Of S&amp;P 500 On Election Day</a>
<h2 class="wp-block-heading">Top Financial Performers: A Look At The Leaders</h2>
<ul>
<li>Discover Financial Services: Soaring 23.5%, Discover led the pack with a stellar performance, reflecting confidence in its growth under a friendlier regulatory environment.</li>
<li>Capital One Financial: Not far behind, Capital One saw a 16.85% jump, as investors anticipate an environment ripe for growth and profitability.</li>
<li>Synchrony Financial: Synchrony surged 15.82%, signaling strong investor confidence in the credit services sector, thanks to expected regulatory relief.</li>
</ul>
<h2 class="wp-block-heading">Major Banks Join The Rally</h2>
The big banks also joined in on the rally, spurred by Trump's potential to push for relaxed financial regulations:
<ul>
<li>Wells Fargo &amp; Co (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/WFC#NYSE">WFC</a>): The bank gained 13.1%, reflecting optimism about its prospects under a less regulated environment.</li>
<li>Goldman Sachs Group Inc (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/GS#NYSE">GS</a>): With a 10.29% increase, Goldman benefited from the market rally and hopes of tax cuts and looser regulations.</li>
<li>Morgan Stanley (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MS#NYSE">MS</a>): Rising 9.92%, Morgan Stanley's strong performance mirrored the broader rally in financials.</li>
</ul>
Overall, Trump's win has amplified investor optimism across the financial sector, with expectations for growth driven by regulatory easing and potential tax cuts.
Read Next: 
<ul>
<li><a href="https://www.benzinga.com/economics/macro-economic-events/24/11/41772701/trumps-historic-return-7-ways-his-second-term-could-impact-the-us-economy">Trump&#8217;s Historic Return: 7 Ways His Second Term Could Impact The US Economy</a></li>
</ul>
Photo: Anna Moneymaker/Shutterstock.com

Sector ETFs

Politics

ETFs

Trump Victory Sends Bank Stocks Higher, Leading S&P 500 On Regulatory Hopes

The S&amp;P 500 and Dow Jones Industrial Average surged to record levels on Wednesday after Donald Trump was elected as <a href="https://www.benzinga.com/topic/donald-trump">the 47th U.S. president.</a>
In Congress, Republicans clinched a majority in the Senate, while the House race remains close. As of Wednesday morning&#8217;s tabulations, Republicans held 198 seats versus 180 for Democrats.
The S&amp;P 500 index, as tracked by the SPDR S&amp;P 500 ETF Trust (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SPY#NYSE">SPY</a>), climbed 2% to 5,900 points, while the Dow soared over 3% to 43,500 points. The blue-chip index, monitored through the SPDR Dow Jones Industrial Average ETF (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/DIA#NYSE">DIA</a>), marked its biggest single-day gain since November 2022.
The financials and industrials sectors were the top performers, up 5.2% and 3%, respectively.
The tech-heavy Nasdaq 100 witnessed smaller gains, up 1.8%, while small-cap stocks skyrocketed, with the Russell 2000 index spiking over 5%. 
The CBOE Volatility Index (VIX), often called the &#8220;fear gauge,&#8221; plummeted 22%, indicating waning investor concerns amid post-election optimism.
Investors are responding positively to the prospect of more lenient tax policies under the upcoming Trump administration, though inflation risks and potential shifts in Federal Reserve policy highlighted by economists seem to be largely overlooked by the market for now.
<h3 class="wp-block-heading">Economic Implications Of A Trump Presidency, Goldman Sachs Weighs In</h3>
&#8220;If Republicans secure a narrow House majority, this would likely enable a full extension of the 2017 tax cuts, set to expire in 2025, potentially with some reinstated business investment incentives,&#8221; wrote Jan Hatzius, Goldman Sachs&#8217; chief economist.
A Republican-controlled Congress may also drive increased federal spending, particularly on defense, Goldman Sachs indicated.
"We would expect Trump to impose additional tariffs averaging 20% on imports from China," Hatzius added, highlighting that this policy could provide a &#8220;one-time boost to core PCE inflation&#8221; and &#8220;a modest drag on GDP.&#8221;
Goldman Sachs projects that the incoming Trump administration would likely pursue a more relaxed approach to regulation, especially in energy, financial services, and labor. 
However, while antitrust oversight may soften somewhat, scrutiny of the tech sector is expected to persist.
<h3 class="wp-block-heading">Top-Performing S&amp;P 500 Sectors After Trump Secures Election Victory</h3>
<figure class="wp-block-table is-style-stripes"> 
<table>
<thead>
<tr>
<th>Sector</th>
<th>ETF</th>
<th>1-day Change (%)</th>
</tr>
</thead>
<tbody>
<tr>
<td>Financials</td>
<td>Financial Select Sector SPDR Fund (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/XLF#NYSE">XLF</a>)</td>
<td>5.15%</td>
</tr>
<tr>
<td>Industrials</td>
<td>Industrial Select Sector SPDR Fund (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/XLI#NYSE">XLI</a>)</td>
<td>2.99%</td>
</tr>
<tr>
<td>Energy</td>
<td>Energy Select Sector SPDR Fund (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/XLE#NYSE">XLE</a>)</td>
<td>2.68%</td>
</tr>
<tr>
<td>Consumer Discretionary</td>
<td>Consumer Discretionary Select Sector SPDR Fund (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/XLY#NYSE">XLY</a>)</td>
<td>2.60%</td>
</tr>
<tr>
<td>Technology</td>
<td>Technology Select Sector SPDR Fund (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/XLK#NYSE">XLK</a>)</td>
<td>2.22%</td>
</tr>
<tr>
<td>Materials</td>
<td>Materials Select Sector SPDR Fund (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/XLB#NYSE">XLB</a>)</td>
<td>1.66%</td>
</tr>
<tr>
<td>Communications</td>
<td>Communication Services Select Sector SPDR Fund (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/XLC#NYSE">XLC</a>)</td>
<td>1.54%</td>
</tr>
<tr>
<td>Health Care</td>
<td>Health Care Select Sector SPDR Fund (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/XLV#NYSE">XLV</a>)</td>
<td>1.08%</td>
</tr>
<tr>
<td>Consumer Staples</td>
<td>Consumer Staples Select Sector SPDR Fund (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/XLP#NYSE">XLP</a>)</td>
<td>-0.42%</td>
</tr>
<tr>
<td>Utilities</td>
<td>Utilities Select Sector SPDR Fund (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/XLU#NYSE">XLU</a>)</td>
<td>-1.23%</td>
</tr>
<tr>
<td>Real Estate</td>
<td>Real Estate Select Sector SPDR Fund (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/XLRE#NYSE">XLRE</a>)</td>
<td>-1.29%</td>
</tr>
</tbody>
</table>
<figcaption class="wp-element-caption">Updated at 9.45 a.m. ET</figcaption></figure>
<h3 class="wp-block-heading">Top Gainers, Losers Within The S&amp;P 500 Following Trump&#8217;s Win</h3>
<figure class="wp-block-table is-style-stripes"> 
<table>
<thead>
<tr>
<th>Name</th>
<th>Last</th>
<th>Chg %</th>
</tr>
</thead>
<tbody>
<tr>
<td>Discover Financial Services (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/DFS#NYSE">DFS</a>)</td>
<td>187.37</td>
<td>23.39%</td>
</tr>
<tr>
<td>Capital One Financial Corporation (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/COF#NYSE">COF</a>)</td>
<td>193.69</td>
<td>16.64%</td>
</tr>
<tr>
<td>Synchrony Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>)</td>
<td>65.93</td>
<td>16.03%</td>
</tr>
<tr>
<td>Tesla, Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/TSLA#NASDAQ">TSLA</a>)</td>
<td>288.40</td>
<td>14.70%</td>
</tr>
<tr>
<td>Nucor Corporation (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/NUE#NYSE">NUE</a>)</td>
<td>164.96</td>
<td>14.07%</td>
</tr>
<tr>
<td>Trimble Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/TRMB#NASDAQ">TRMB</a>)</td>
<td>69.97</td>
<td>13.55%</td>
</tr>
<tr>
<td>Charles River Laboratories International (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CRL#NYSE">CRL</a>)</td>
<td>214.16</td>
<td>13.51%</td>
</tr>
<tr>
<td>CVS Health Corporation (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CVS#NYSE">CVS</a>)</td>
<td>62.76</td>
<td>13.40%</td>
</tr>
<tr>
<td>Wells Fargo &amp; Company (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/WFC#NYSE">WFC</a>)</td>
<td>72.43</td>
<td>13.05%</td>
</tr>
<tr>
<td>Steel Dynamics, Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/STLD#NASDAQ">STLD</a>)</td>
<td>149.73</td>
<td>10.38%</td>
</tr>
</tbody>
</table>
<figcaption class="wp-element-caption">Updated at 9.45 a.m. ET</figcaption></figure>
<figure class="wp-block-table is-style-stripes"> 
<table>
<thead>
<tr>
<th>Name</th>
<th>Last</th>
<th>Chg %</th>
</tr>
</thead>
<tbody>
<tr>
<td>Super Micro Computer, Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/SMCI#NASDAQ">SMCI</a>)</td>
<td>21.01</td>
<td>-24.15%</td>
</tr>
<tr>
<td>Enphase Energy, Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/ENPH#NASDAQ">ENPH</a>)</td>
<td>74.05</td>
<td>-17.67%</td>
</tr>
<tr>
<td>First Solar, Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/FSLR#NASDAQ">FSLR</a>)</td>
<td>181.42</td>
<td>-15.97%</td>
</tr>
<tr>
<td>D.R. Horton, Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/DHI#NYSE">DHI</a>)</td>
<td>161.70</td>
<td>-6.68%</td>
</tr>
<tr>
<td>The AES Corporation (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/AES#NYSE">AES</a>)</td>
<td>14.50</td>
<td>-6.51%</td>
</tr>
<tr>
<td>Lennar Corporation (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/LEN#NYSE">LEN</a>)</td>
<td>166.31</td>
<td>-6.19%</td>
</tr>
<tr>
<td>Universal Health Services, Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/UHS#NYSE">UHS</a>)</td>
<td>199.41</td>
<td>-6.01%</td>
</tr>
<tr>
<td>Best Buy Co., Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/BBY#NYSE">BBY</a>)</td>
<td>87.26</td>
<td>-6.01%</td>
</tr>
<tr>
<td>American Tower Corporation (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/AMT#NYSE">AMT</a>)</td>
<td>201.33</td>
<td>-5.86%</td>
</tr>
<tr>
<td>Dollar Tree, Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/DLTR#NASDAQ">DLTR</a>)</td>
<td>63.15</td>
<td>-5.42%</td>
</tr>
</tbody>
</table>
<figcaption class="wp-element-caption">Updated at 9.45 a.m. ET</figcaption></figure>
Read Next:
<ul>
<li><a href="https://www.benzinga.com/economics/macro-economic-events/24/11/41772701/trumps-historic-return-7-ways-his-second-term-could-impact-the-us-economy">Trump&#8217;s Historic Return: 7 Ways His Second Term Could Impact The US Economy</a></li>
</ul>
Photo: Shutterstock

Analyst Color

Large Cap

Broad U.S. Equity ETFs

Federal Reserve

Tech

SPDR Dow Jones Industrial Average ETF Trust

DLTR

ENPH

FSLR

SMCI

STLD

TRMB

TSLA

XLRE

Select Sector SPDR-Consumer Discretionary

S&P 500, Dow Hit Record Highs After Trump Win; Fear Index Drops 20%

ALLY

ARES

BANC

CADE

COLB

FITB

FULT

HBAN

NTRS

TROW

ZION

Shares of banking and private equity stocks are trading higher after Donald Trump won the US presidential election.

This whale alert can help traders discover the next big trading opportunities.
Whales are entities with large sums of money and we track their transactions here at Benzinga on our options activity scanner.
Traders often look for circumstances when the market estimation of an option diverges away from its normal worth. Abnormal amounts of trading activity could push option prices to hyperbolic or underperforming levels. 
Here's the list of options activity happening in today's session: 
<table>
<thead>
<tr>
<th>Symbol</th>
<th>PUT/CALL</th>
<th>Trade Type</th>
<th>Sentiment</th>
<th>Exp. Date</th>
<th>Strike Price</th>
<th>Total Trade Price</th>
<th>Open Interest</th>
<th>Volume</th>
</tr>
</thead>
<tbody>
<tr>
<td>HOOD</td>
<td>CALL</td>
<td>SWEEP</td>
<td>BEARISH</td>
<td>11/15/24</td>
<td>$28.00</td>
<td>$28.7K</td>
<td>21.5K</td>
<td>14.6K</td>
</tr>
<tr>
<td>GPN</td>
<td>CALL</td>
<td>SWEEP</td>
<td>BEARISH</td>
<td>12/20/24</td>
<td>$105.00</td>
<td>$72.1K</td>
<td>4.0K</td>
<td>3.8K</td>
</tr>
<tr>
<td>BWIN</td>
<td>PUT</td>
<td>SWEEP</td>
<td>BEARISH</td>
<td>12/20/24</td>
<td>$50.00</td>
<td>$28.5K</td>
<td>20</td>
<td>782</td>
</tr>
<tr>
<td>WFC</td>
<td>PUT</td>
<td>SWEEP</td>
<td>BEARISH</td>
<td>11/08/24</td>
<td>$63.00</td>
<td>$26.6K</td>
<td>542</td>
<td>578</td>
</tr>
<tr>
<td>COIN</td>
<td>CALL</td>
<td>SWEEP</td>
<td>BEARISH</td>
<td>11/01/24</td>
<td>$200.00</td>
<td>$31.5K</td>
<td>1.9K</td>
<td>223</td>
</tr>
<tr>
<td>DFS</td>
<td>CALL</td>
<td>SWEEP</td>
<td>NEUTRAL</td>
<td>11/01/24</td>
<td>$145.00</td>
<td>$35.7K</td>
<td>230</td>
<td>206</td>
</tr>
<tr>
<td>JPM</td>
<td>CALL</td>
<td>TRADE</td>
<td>BEARISH</td>
<td>11/08/24</td>
<td>$220.00</td>
<td>$29.7K</td>
<td>227</td>
<td>189</td>
</tr>
<tr>
<td>BX</td>
<td>PUT</td>
<td>SWEEP</td>
<td>BEARISH</td>
<td>09/19/25</td>
<td>$140.00</td>
<td>$39.3K</td>
<td>21</td>
<td>179</td>
</tr>
<tr>
<td>BLK</td>
<td>CALL</td>
<td>TRADE</td>
<td>NEUTRAL</td>
<td>01/17/25</td>
<td>$790.00</td>
<td>$40.4K</td>
<td>64</td>
<td>2</td>
</tr>
</tbody>
</table>

<h2>Explanation</h2>
These bullet-by-bullet explanations have been constructed using the accompanying table. 
• For HOOD (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/HOOD#NASDAQ">HOOD</a>), we notice a call option sweep that happens to be bearish, expiring in 16 day(s) on November 15, 2024. This event was a transfer of 120 contract(s) at a $28.00 strike. This particular call needed to be split into 9 different trades to become filled. The total cost received by the writing party (or parties) was $28.7K, with a price of $240.0 per contract. There were 21592 open contracts at this strike prior to today, and today 14607 contract(s) were bought and sold. 
• For GPN (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/GPN#NYSE">GPN</a>), we notice a call option sweep that happens to be bearish, expiring in 51 day(s) on December 20, 2024. This event was a transfer of 176 contract(s) at a $105.00 strike. This particular call needed to be split into 23 different trades to become filled. The total cost received by the writing party (or parties) was $72.1K, with a price of $410.0 per contract. There were 4001 open contracts at this strike prior to today, and today 3894 contract(s) were bought and sold. 
• For BWIN (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/BWIN#NASDAQ">BWIN</a>), we notice a put option sweep that happens to be bearish, expiring in 51 day(s) on December 20, 2024. This event was a transfer of 47 contract(s) at a $50.00 strike. This particular put needed to be split into 6 different trades to become filled. The total cost received by the writing party (or parties) was $28.5K, with a price of $610.0 per contract. There were 20 open contracts at this strike prior to today, and today 782 contract(s) were bought and sold. 
• Regarding WFC (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/WFC#NYSE">WFC</a>), we observe a put option sweep with bearish sentiment. It expires in 9 day(s) on November 8, 2024. Parties traded 399 contract(s) at a $63.00 strike. This particular put needed to be split into 25 different trades to become filled. The total cost received by the writing party (or parties) was $26.6K, with a price of $67.0 per contract. There were 542 open contracts at this strike prior to today, and today 578 contract(s) were bought and sold. 
• For COIN (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/COIN#NASDAQ">COIN</a>), we notice a call option sweep that happens to be bearish, expiring in 2 day(s) on November 1, 2024. This event was a transfer of 15 contract(s) at a $200.00 strike. This particular call needed to be split into 4 different trades to become filled. The total cost received by the writing party (or parties) was $31.5K, with a price of $2103.0 per contract. There were 1952 open contracts at this strike prior to today, and today 223 contract(s) were bought and sold. 
• For DFS (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/DFS#NYSE">DFS</a>), we notice a call option sweep that happens to be neutral, expiring in 2 day(s) on November 1, 2024. This event was a transfer of 34 contract(s) at a $145.00 strike. This particular call needed to be split into 22 different trades to become filled. The total cost received by the writing party (or parties) was $35.7K, with a price of $1050.0 per contract. There were 230 open contracts at this strike prior to today, and today 206 contract(s) were bought and sold. 
• For JPM (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/JPM#NYSE">JPM</a>), we notice a call option trade that happens to be bearish, expiring in 9 day(s) on November 8, 2024. This event was a transfer of 40 contract(s) at a $220.00 strike. The total cost received by the writing party (or parties) was $29.7K, with a price of $744.0 per contract. There were 227 open contracts at this strike prior to today, and today 189 contract(s) were bought and sold. 
• For BX (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/BX#NYSE">BX</a>), we notice a put option sweep that happens to be bearish, expiring in 324 day(s) on September 19, 2025. This event was a transfer of 60 contract(s) at a $140.00 strike. This particular put needed to be split into 8 different trades to become filled. The total cost received by the writing party (or parties) was $39.3K, with a price of $655.0 per contract. There were 21 open contracts at this strike prior to today, and today 179 contract(s) were bought and sold. 
• Regarding BLK (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/BLK#NYSE">BLK</a>), we observe a call option trade with neutral sentiment. It expires in 79 day(s) on January 17, 2025. Parties traded 2 contract(s) at a $790.00 strike. The total cost received by the writing party (or parties) was $40.4K, with a price of $20215.0 per contract. There were 64 open contracts at this strike prior to today, and today 2 contract(s) were bought and sold. 
Options Alert Terminology 
 - Call Contracts: The right to buy shares as indicated in the contract. 
 - Put Contracts: The right to sell shares as indicated in the contract. 
 - Expiration Date: When the contract expires. One must act on the contract by this date if one wants to use it. 
 - Premium/Option Price: The price of the contract. 
For more information, visit our <a href="https://pro.benzinga.com/blog/how-to-understand-option-alerts/">Guide to Understanding Options Alerts</a> or read <a href="https://www.benzinga.com/markets/options">more about unusual options activity</a>. 
This article was generated by Benzinga's automated content engine and reviewed by an editor.

Options

BWIN

COIN

HOOD

9 Financials Stocks Whale Activity In Today's Session

Evercore ISI Group analyst John Pancari maintains Discover Finl (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/DFS#NYSE">DFS</a>) with a In-Line and raises the price target from $156 to $163.

Evercore ISI Group Maintains In-Line on Discover Finl, Raises Price Target to $163

Discover Finl (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/DFS#NYSE">DFS</a>) has outperformed the market over the past 15 years by 5.06% on an annualized basis producing an average annual return of 17.18%. Currently, Discover Finl has a market capitalization of $37.43 billion. 
Buying $1000 In DFS: If an investor had bought $1000 of DFS stock 15 years ago, it would be worth $10,743.33 today based on a price of $149.08 for DFS at the time of writing.
<h3>Discover Finl's Performance Over Last 15 Years</h3>
<img src="https://www.benzinga.com/files/images/story/2024/1730134811_0_0.png" alt="comp_fig" />
Finally -- what's the point of all this? The key insight to take from this article is to note how much of a difference compounded returns can make in your cash growth over a period of time.
This article was generated by Benzinga's automated content engine and reviewed by an editor.

$1000 Invested In Discover Finl 15 Years Ago Would Be Worth This Much Today

Legal

Capital One's Discover Deal Is Being Probed By New York AG; Letitia James Seeks Court Permission For Antitrust Subpoenas

Wells Fargo analyst Donald Fandetti maintains Discover Finl (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/DFS#NYSE">DFS</a>) with a Equal-Weight and raises the price target from $152 to $160.

Wells Fargo Maintains Equal-Weight on Discover Finl, Raises Price Target to $160

RBC Capital analyst Jon Arfstrom maintains Discover Finl (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/DFS#NYSE">DFS</a>) with a Sector Perform and raises the price target from $148 to $161.

RBC Capital Maintains Sector Perform on Discover Finl, Raises Price Target to $161

The latest announcement is out from Discover Financial Services ( ($DFS) ). Discover Financial Services has approved the acceleration of certain bo...

Discover Financial Services Accelerates Bonuses Ahead of Merger

Discover credit card net charge-off rate jumps in November; delinquencies stall

Analysts fell to the sidelines weighing in on Progressive (PGR – Research Report), Blackstone Group (BX – Research Report) and Discover Financial S...

Analysts Offer Insights on Financial Companies: Progressive (PGR), Blackstone Group (BX) and Discover Financial Services (DFS)

There's a lot to be optimistic about in the Financial sector as 2 analysts just weighed in on Blackstone Group (BX – Research Report) and Discover ...

Analysts Offer Insights on Financial Companies: Blackstone Group (BX) and Discover Financial Services (DFS)

Companies in the Financial sector have received a lot of coverage today as analysts weigh in on Bank of America (BAC – Research Report) and Discove...

Analysts Offer Insights on Financial Companies: Bank of America (BAC) and Discover Financial Services (DFS)

November credit card delinquencies hold steady, charge-offs climb

Capital One, Discover to hold special meetings of stockholders in February

CFPB warns about credit cards that may devalue rewards earned

Capital One, Discover deal gets approval from Delaware regulator

Our Top 10 Dividend Growth Stocks - December 2024

ALSN

AVGO

CTAS

Press Releases

Discover Reaches Goal of 1,000 Active Jobs in the Chatham Area, Fulfilling 3-Year Commitment to Chicago's South Side

Discover Financial Services Reports Third Quarter 2024 Net Income of $965 Million or $3.69 Per Diluted Share

Discover® Global Network Study: Slow Payments and Fraud Prevention Are Pivotal Growth Opportunities in Consumer and Merchants Segments

Kelly Welsh Joins Discover as Incoming Interim Chief Legal Officer, General Counsel and Head of Corporate and Public Affairs

Telered and Discover® Global Network Sign Strategic Alliance, Increasing Acceptance for Cardholders

Discover Financial Services Receives NYSE Notice Regarding Filing of Form 10-Q for the Fiscal Quarter Ended September 30, 2024 and Announces Decision to Restate Certain Prior Period Financial Statements

Discover® Recognized as a Best Place to Work for IT Professionals for Twenty-First Year

Discover Survey: Save More, Earn More and Spend Less Are Top 2025 Financial Resolutions for American Consumers

Capital One and Discover Announce Special Meetings of Stockholders to Be Held on February 18, 2025

Capital One Receives Approval of Delaware State Bank Commissioner for Acquisition of Discover Financial Services

Ally Financial

American Express

Bread Financial Holdings, Inc. Common Stock

Bread Finl Hldgs

Credit Acceptance Corporation - Common Stock

Credit Acceptance

Capital One Financial Corporation Common Stock

Capital One Finl

Dave

Encore Capital Gr

Enova International

FirstCash Hldgs

FinVolution Group American Depositary Shares

FinVolution Gr

Joint Stock Company Kaspi.kz - American Depository Shares

Kaspi.kz

LendingClub

Lufax Holding Ltd American Depositary Shares, each representing two (2) Ordinary Shares

Lufax Holding

LexinFintech Holdings Ltd. - American Depositary Shares

LexinFintech Holdings

MoneyLion

Navient

Nelnet

Nerdwallet

OneMain Holdings

PROG Holdings

Qifu Technology, Inc - American Depositary Shares

Qifu Technology

SoFi Techs

Synchrony Finl

Upstart Hldgs

JP Morgan

Keefe, Bruyette & Woods

Evercore ISI Group

Wells Fargo

RBC Capital

지역 은행 부문은 지난 2년 동안 잘못된 이유로 많은 헤드라인을 장식했다. 실리콘밸리 은행, 시그니처 은행 및 퍼스트 리퍼블릭 은행과 같은 <a href="https://www.fdic.gov/resources/resolutions/bank-failures/in-brief/2023" target="_blank" rel="noopener">은행 파산</a> 사건은 이 부문에 큰 충격을 주었고, 2023년 말 SPDR 지역은행 ETF(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/KRE#NYSE">KRE</a>)는 40% 이상 하락했다.
2024년 초에도 또 다른 두 건의 실패 사건이 발생한 후 투자자들은 긴장 상태를 유지했지만, 연방준비제도(연준)의 금리 인하 전략과 2024년 미국 대통령 선거 결과에 따라 이 부문은 반등했다.
트럼프 행정부의 출범은 린다 칸(연방거래위원회, FTC), 로힛 초프라(소비자금융보호국, CFPB) 그리고 개리 겐슬러(증권거래위원회, SEC) 등 여러 주요 규제 당국을 교체할 것으로 예상되며, 이는 규제를 완화하여 인수합병을 더 용이하게 할 수 있는 분위기를 조성할 수 있다.
지역 은행들은 이러한 태도 변화의 최대 수혜자가 될 가능성이 높으며, KRE는 이미 지난 한 달 동안 18% 상승했다.
새로운 규제 당국이 들어서기 전에 사야 할 가장 유망한 지역 은행 주식 5종목을 살펴보겠다.
<h2 class="wp-block-heading">어떻게 6종목을 선별했는가?</h2>
자본 기준 완화와 규제 심사의 완화는 금융 부문에 많은 기업들에게 이익이 될 것이다. 우리는 다음 기준에 따라 지역 은행 주식 리스트를 5개로 압축했다:
<ul>
<li>규제 완화의 수혜자 &#8211; 트럼프 행정부 2기 동안 자본 요건(바젤 III와 같은)과 유동성 기준을 완화하고 인수합병 환경을 우호적으로 만들 수 있다. 지역 은행은 이러한 요건을 대형 국책 은행보다 효율적으로 충족할 수 없기 때문에 규제 완화는 종종 소형 은행에 유리하다.</li>
<li>평가 지표 &#8211; 우리 리스트에 있는 은행들은 동종 업계의 동료들에 비해 저렴한 주가를 보이고 있으며, 주가수익비율(P/E), 주가매출비율(P/S) 및 주가순자산비율(P/B) 등의 지표를 기준으로 한다.</li>
<li>배당 수익률 &#8211; 은행 주식을 보유하고 있다면 주가 상승과 배당 소득으로 보상을 받고 싶다. 이 지역 은행들은 모두 업계 평균보다 높은 배당 수익률을 제공한다.</li>
</ul>
<h2 class="wp-block-heading">구매할 지역 은행 6종목</h2>
위의 기준에 따라, 트럼프 행정부 2기와 새로운 규제 당국이 워싱턴에 들어서기 전에 포트폴리오에 추가할 것을 고려할 수 있는 5개 지역 은행 주식이 있다.
<h3 class="wp-block-heading">US 뱅코프 (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/USB#NYSE">USB</a>)</h3>
US 뱅코프의 뿌리는 남북전쟁 시기로 거슬러 올라가며, 미국의 24번째 국립은행 허가를 받았다. 오늘날 이 은행은 830억 달러 이상의 시장 가치를 지니고 있으며, 68,000명의 직원을 둔 미국 최대의 지역 은행 중 하나이다. USB 주식은 2024년 동안 23%의 연초 대비 상승률을 기록하며 KRE의 30% 상승률보다 뒤처졌지만, 규제가 완화되면 2022년에 <a href="https://www.usbank.com/about-us-bank/company-blog/article-library/us-bancorp-completes-acquisition-of-union-bank.html" target="_blank" rel="noopener">MUFG 유니언 뱅크를 인수</a>하여 캘리포니아, 오리건 및 워싱턴으로 운영을 확장한 은행에 긍정적인 영향을 미칠 수 있다. 이 주식은 16.5의 P/E 비율과 1.97의 P/S 비율과 같은 합리적인 기본 지표를 가지며, 3.73%의 배당 수익률을 제공한다.
<figure class="wp-block-image size-large"><img loading="lazy" decoding="async" class="wp-image-670667" src="https://editorial-assets.benzinga.com/wp-content/uploads/2024/11/29133051/USB-1024x395.png" sizes="(max-width: 1024px) 100vw, 1024px" srcset="https://editorial-assets.benzinga.com/wp-content/uploads/2024/11/29133051/USB-1024x395.png 1024w,https://editorial-assets.benzinga.com/wp-content/uploads/2024/11/29133051/USB-300x116.png 300w,https://editorial-assets.benzinga.com/wp-content/uploads/2024/11/29133051/USB-768x296.png 768w,https://editorial-assets.benzinga.com/wp-content/uploads/2024/11/29133051/USB.png 1364w" alt="" width="1024" height="395" /></figure>
<h3 class="wp-block-heading">키코프 (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/KEY#NYSE">KEY</a>)</h3>
키코프는 시가총액이 200억 달러 이하이며 US 뱅코프와 같은 대형 지역 은행보다 영향력이 적지만, 주식은 가치, 높은 배당 수익률 및 규제 완화로 인한 잠재적 성장의 조합 덕분에 우리 리스트에 올라왔다. 이 은행은 소비자 은행과 상업 은행의 두 가지 부문으로 나뉘며, 상업 부문은 중소기업 서비스에 초점을 맞추고 있다. 키뱅크 캐피털 마켓(KeyBanc Capital Markets)는 중소기업 인수합병(M&amp;A) 시장에서 500개 이상의 고객과 협상한 M&amp;A 전문 기관이다. KEY 주식은 리스트에 있는 은행 중 가장 높은 P/E 비율인 19.4를 기록하지만, 주주들에게는 4.17%의 배당 수익률을 제공하며, P/B 비율은 업계 하위 3분의 1인 1.3이다.
<figure class="wp-block-image size-large"><img loading="lazy" decoding="async" class="wp-image-670668" src="https://editorial-assets.benzinga.com/wp-content/uploads/2024/11/29133059/KEY-1024x395.png" sizes="(max-width: 1024px) 100vw, 1024px" srcset="https://editorial-assets.benzinga.com/wp-content/uploads/2024/11/29133059/KEY-1024x395.png 1024w,https://editorial-assets.benzinga.com/wp-content/uploads/2024/11/29133059/KEY-300x116.png 300w,https://editorial-assets.benzinga.com/wp-content/uploads/2024/11/29133059/KEY-768x296.png 768w,https://editorial-assets.benzinga.com/wp-content/uploads/2024/11/29133059/KEY.png 1364w" alt="" width="1024" height="395" /></figure>
<h3 class="wp-block-heading">리전스 파이낸셜 (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/RF#NYSE">RF</a>)</h3>
리전스 파이낸셜은 US 뱅코프나 키코프와 같이 100년 이상의 역사를 가지고 있지는 않지만, 남부 지역의 고객들에게 다양한 은행 및 자산 관리 서비스를 제공합니다. RF 주식은 실제로 2024년 동안 KRE를 초과하는 성과를 보였으며(42% 대 30%), 부채/자본 비율이 0.35로 우리 선택지 중 가장 낮아 잘 자본화된 은행임을 나타내어 더 많은 위험 감수를 통해 이익을 볼 수 있다. 이 주식은 3.66%의 배당 수익률을 제공하며, 13.4의 P/E 비율과 1.48의 P/B 비율을 가지고 있다.
<figure class="wp-block-image size-large"><img loading="lazy" decoding="async" class="wp-image-670669" src="https://editorial-assets.benzinga.com/wp-content/uploads/2024/11/29133104/RF-1024x395.png" sizes="(max-width: 1024px) 100vw, 1024px" srcset="https://editorial-assets.benzinga.com/wp-content/uploads/2024/11/29133104/RF-1024x395.png 1024w,https://editorial-assets.benzinga.com/wp-content/uploads/2024/11/29133104/RF-300x116.png 300w,https://editorial-assets.benzinga.com/wp-content/uploads/2024/11/29133104/RF-768x296.png 768w,https://editorial-assets.benzinga.com/wp-content/uploads/2024/11/29133104/RF.png 1364w" alt="" width="1024" height="395" /></figure>
<h3 class="wp-block-heading">트루이스트 파이낸셜 (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/TFC#NYSE">TFC</a>)</h3>
선트러스트 뱅크(SunTrust Bank)와 BB&amp;T 코퍼레이션의 합병으로 형성된 트루이스트 파이낸셜(Truist Financial)은 우리 리스트에서 두 번째로 큰 지역 은행이며, KRE가 올해 30% 이상 상승한 이유 중 하나이다. TFC 주식은 2024년 동안 지역 은행 ETF 성과와 거의 동일한 수준으로 상승했지만, 주식은 2022년 사상 최고가에는 한참 못 미치고 있다. 트루이스트는 우리 리스트에서 가장 낮은 P/B 비율인 1.08을 기록하며, 4.36%의 배당 수익률을 제공하며 최근에는 보험 및 자산 관리 자회사를 매각하여 유동성과 자본 상황을 개선했다. 트루이스트는 주로 미시시피 강 동쪽의 주들을 서비스하지만, 선벨트 지역으로 운영을 확장할 계획이다. 이러한 계획은 향후 몇 년 동안 인수합병 활동 증가와 규제 완화의 혜택을 받을 수 있다.
<figure class="wp-block-image size-large"><img loading="lazy" decoding="async" class="wp-image-670670" src="https://editorial-assets.benzinga.com/wp-content/uploads/2024/11/29133110/TFC-1024x395.png" sizes="(max-width: 1024px) 100vw, 1024px" srcset="https://editorial-assets.benzinga.com/wp-content/uploads/2024/11/29133110/TFC-1024x395.png 1024w,https://editorial-assets.benzinga.com/wp-content/uploads/2024/11/29133110/TFC-300x116.png 300w,https://editorial-assets.benzinga.com/wp-content/uploads/2024/11/29133110/TFC-768x296.png 768w,https://editorial-assets.benzinga.com/wp-content/uploads/2024/11/29133110/TFC.png 1364w" alt="" width="1024" height="395" /></figure>
<h3 class="wp-block-heading">M&amp;T 뱅크 (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MTB#NYSE">MTB</a>)</h3>
M&amp;T 뱅크(제조업체 및 거래업체 은행)는 1856년까지 거슬러 올라가는 역사를 가진 미국의 가장 오래된 은행 중 하나이다. MTB는 360억 달러의 시장 가치를 가지고 있으며, 2.45%의 배당금을 지급하는데, 이는 리스트에서 가장 낮지만 회사의 수익으로 쉽게 유지될 수 있다. 이 주식은 2024년의 가장 큰 성공 사례 중 하나로, 2024년에 60%라는 놀라운 상승률을 기록하여 지역 은행 ETF의 두 배를 기록했다. 은행의 10월 실적 발표 이후 추가 상승이 있을 수 있으며, 이는 많은 분석가들이 평가와 목표 주가를 상향 조정하게 만들 수 있다. M&amp;T 뱅크는 16.3의 P/E 비율과 1.4의 P/B 비율을 기록하였고, 18.7의 순이익률은 리전스 파이낸셜에만 뒤쳐졌다.
<figure class="wp-block-image size-large"><img loading="lazy" decoding="async" class="wp-image-670671" src="https://editorial-assets.benzinga.com/wp-content/uploads/2024/11/29133115/MTB-1024x395.png" sizes="(max-width: 1024px) 100vw, 1024px" srcset="https://editorial-assets.benzinga.com/wp-content/uploads/2024/11/29133115/MTB-1024x395.png 1024w,https://editorial-assets.benzinga.com/wp-content/uploads/2024/11/29133115/MTB-300x116.png 300w,https://editorial-assets.benzinga.com/wp-content/uploads/2024/11/29133115/MTB-768x296.png 768w,https://editorial-assets.benzinga.com/wp-content/uploads/2024/11/29133115/MTB.png 1364w" alt="" width="1024" height="395" /></figure>
<h3 class="wp-block-heading">디스커버 파이낸셜 서비스 (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/DFS#NYSE">DFS</a>)</h3>
디스커버 파이낸셜 서비스는 캐피털 원(Capital One)과 연결되어 있으며, 후자가 전자를 350억 달러에 인수하겠다고 발표한 이후로 거래가 중단되었다. 그러나 뉴욕 규제 당국이 인수합병을 반독점 위반으로 조사하기 시작하면서 거래는 정체되었다. DFS 주식은 7월부터 선거 주간까지 좁은 범위에서 거래되었지만, 트럼프의 승리 다음 날 수요일에 DFS와 COF 주식이 모두 즉시 상승했다. 투자자들은 규제 환경이 완화되면 거래가 성사될 것으로 예상하고 있어, DFS 주식은 앞으로 몇 주 동안 계속 상승할 가능성이 있다.
<figure class="wp-block-image size-large"><img loading="lazy" decoding="async" class="wp-image-670672" src="https://editorial-assets.benzinga.com/wp-content/uploads/2024/11/29133121/DFS-1024x395.png" sizes="(max-width: 1024px) 100vw, 1024px" srcset="https://editorial-assets.benzinga.com/wp-content/uploads/2024/11/29133121/DFS-1024x395.png 1024w,https://editorial-assets.benzinga.com/wp-content/uploads/2024/11/29133121/DFS-300x116.png 300w,https://editorial-assets.benzinga.com/wp-content/uploads/2024/11/29133121/DFS-768x296.png 768w,https://editorial-assets.benzinga.com/wp-content/uploads/2024/11/29133121/DFS.png 1364w" alt="" width="1024" height="395" /></figure>
캠페인 공약이 항상 현실로 이어지지는 않으며, 이전 트럼프 행정부는 종종 말로만 그치는 경우도 있었음을 명심하세요. 규제 완화와 인수합병(M&amp;A)이 예상되지만, 정치적 발언에 기반한 투자들은 본질적으로 단기 투자입니다. 예상과 다른 규제 환경이 나오면 손실 주식은 매각해야 합니다.
2024년, 매트 말리(Matt Maley)의 회원들은 TLT에서 24시간 안에 570%, GDX에서 1주일 만에 460%의 수익을 올릴 수 있는 기회를 가졌으며, 하루에 5건의 수익 거래를 경험했습니다. 이번 블랙프라이데이에 1000달러를 절약하고 월스트리트 전설과 함께 실시간 알림 및 검증된 전략으로 거래하세요. <a href="https://www.benzinga.com/premium/ideas/matt-options-inner-circle-checkout-black-friday/?utm_source=WebRD-1129">여기를 클릭하여 시작하세요.</a>
이미지 출처: Midjourney
다른 트레이더들보다 30분 일찍 독점 시장 움직임 뉴스를 받아보세요. 
Benzinga Pro의 14일 무료 체험을 통해 독점 뉴스 기사를 이용할 수 있어 수백만 명의 다른 트레이더보다 먼저 실행 가능한 거래 뉴스를 얻을 수 있습니다. <a href="https://www.benzinga.com/pro/register?t=be2bewe5mibe3bz3&amp;utm_source=bz-kor" target="_blank" rel="noreferrer noopener">여기를 클릭</a>하여 14일 무료 체험을 시작하세요.

디스커버 파이낸셜 서비스(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/DFS#NYSE">DFS</a>)가 수요일 시장 마감 후 3분기 재무 결과를 발표했다. 다음은 보고서의 <a href="https://www.benzinga.com/pressreleases/24/10/b41368299/discover-financial-services-reports-third-quarter-2024-net-income-of-965-million-or-3-69-per-dilut">세부사항</a>이다.
세부 사항: 디스커버는 주당 3.69달러의 분기당 이익을 보고했으며, 이는 애널리스트의 컨센서스 추정치인 3.44달러를 초과한 수치이다. 분기 매출은 44억 5,300만 달러로, 애널리스트의 컨센서스 추정치인 43억 4,600만 달러를 초과했으며, 지난해 같은 기간 매출 40억 4,400만 달러에 비해 10.11% 증가했다.
이 회사는 3분기 30일 이상 연체율이 3.84%로, 지난해 같은 분기의 3.41%에서 증가했으며, 90일 이상 연체율은 1.87%로, 1.57%에서 증가했다고 보고했다.
다음 읽기:  <a href="https://www.benzinga.com/analyst-ratings/analyst-color/24/10/41340022/amazon-analyst-expects-q3-earnings-with-revenue-growth-margin-expansion-relative-st">아마존 분석가, 3분기 실적에 대한 예상: 매출 성장, 마진 확대, 상대적으로 안정적인 전자상거래 수요</a>
<ul>
<li>디지털 뱅킹 세전 매출이 12억 달러로, 전년 동기 대비 4억 1천만 달러 증가했으며, 이는 이자 비용 차감 후 매출 증가와 신용 손실 충당금 감소가 반영된 결과이다. 운영 비용 증가가 부분적으로 상쇄되었다.</li>
<li>분기 말 총 대출이 1,270억 달러로, 전년 대비 4% 증가하고 전분기 대비 1% 감소했다. 신용 카드 대출이 1,005억 달러로, 전년 대비 3% 증가했다. 개인 대출은 8억 7,900만 달러, 즉 9% 증가했다. 사립 학자금 대출은 첫 번째 사립 학자금 대출 포트폴리오 판매 마감으로 인해 19% 감소했다.</li>
<li>분기 순이자 이익이 3억 3,300만 달러, 즉 전년 대비 10% 증가했다. 이는 평균 채권 증가와 순이자 마진 확대로 인한 것이다.</li>
<li>순이자 마진이 11.38%로, 전년 대비 43bp(베이시스 포인트) 상승했다.</li>
<li>카드 수익률이 16.23%로, 전년 대비 80bp 상승했다. 주로 판촉 잔액 구성이 낮고 지급률이 낮아서 발생하며, 높은 이자 상각으로 부분적으로 상쇄된다.</li>
<li>결제 서비스 세전 이익이 8,400만 달러로, 전년 대비 변동이 없었다. 결제 서비스 거래량이 1,005억 달러로, 전년 대비 9% 증가했다.</li>
<li>디스커버 네트워크 거래량이 4% 감소했다. 이는 디스커버 카드 판매량 둔화를 반영한 ​​것이다.</li>
<li>펄스(PULSE) 달러 거래량은 직불 거래량 증가로 인해 14% 증가했다.</li>
<li>다이너스 클럽(Diners Club) 규모는 대부분 지역의 강세를 반영하여 전년 대비 7% 증가했다.</li>
</ul>
&#8220;디스커버의 재무 성과는 3분기에도 강력하게 유지되었다. 이는 순이자 마진 증가, 소규모 대출 성장 및 신용 개선의 혜택을 받았다&#8221;고 디스커버의 임시 CEO이자 사장인 마이클 셰퍼드(Michael Shepherd)가 말했다. "우리는 사업을 단순화할 4건의 학자금 대출 판매 마감 중 첫 번째를 완료하게 되어 기쁘게 생각한다. 또한, 우리는 위험 관리 및 규정 준수 역량에 있어 계속해서 좋은 진전을 이루었다."
DFS 가격 움직임: <a href="https://pro.benzinga.com/?gspk=YWRhbWVja2VydDUzMzY&amp;gsxid=zBMR4PKmcgBw">Benzinga Pro</a>에 따르면, 디스커버 파이낸셜의 주식은 수요일 시간외 거래에서 1.29% 하락하여 145.62달러를 기록했다.
또한 읽어보세요: 
<ul>
<li><a href="https://www.benzinga.com/news/24/10/41321567/teslas-optimus-robots-were-remotely-assisted-by-humans-at-we-robot-event">테슬라의 옵티머스 로봇은 &#8216;위, 로봇&#8217; 행사에서 원격으로 인간의 지원을 받았다.</a></li>
</ul>
사진: Shutterstock

캐피털 원 파이낸셜(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/COF#NYSE">COF</a>)의 주가는 수요일 시간외 거래에서 상승했다. 캐피털 원은 시장 마감 후 예상보다 나은 <a href="https://www.benzinga.com/news/earnings/24/07/39826835/discover-reports-better-than-expected-q2-results-heres-the-details" target="_blank" rel="noopener" data-google-interstitial="false">2분기 실적</a>을 발표한 디스커버 파이낸셜 서비스(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/DFS#NYSE">DFS</a>) 인수를 목표로 하고 있다.
발표 내용 (The Details): 디스커버의 주가는 회사가 주당 6.06달러의 GAAP 이익을 보고하여 주당 추정치 3.07달러와 분기 순이자 소득(NII) 35억 2,400만 달러를 상회한 후 상승했다.
또한 캐피털 원은 수요일 디스커버 <a href="https://www.benzinga.com/m-a/24/02/37204534/capital-one-set-to-acquire-discover-in-landmark-35-3b-deal" target="_blank" rel="noopener" data-google-interstitial="false">인수 제안</a>의 일환으로 5년 동안 2,650억 달러 이상의 대출, 투자 및 자선 활동을 약속하는 <a href="https://www.benzinga.com/pressreleases/24/07/b39815404/capital-one-announces-five-year-265-billion-community-benefits-plan-in-connection-with-discover-ac" target="_blank" rel="noopener" data-google-interstitial="false">지역 사회 혜택 계획</a>을 발표했다.
캐피털 원은 이번 계획이 은행 인수와 관련하여 개발된 다른 어떤 커뮤니티 약속보다 두 배 크다고 말했으며, 캐피털 원과 디스커버의 결합이 이 은행들이 단독으로 수행할 때보다 더 많은 대출, 투자 및 서비스를 소외된 커뮤니티에 제공할 기회를 창출할 것임을 보여준다고 밝혔다.
캐피털 원의 CEO인 리처드 페어뱅크(Richard Fairbank)는 "금융 포용성과 웰빙에 대한 우리의 약속은 회사로서의 우리의 핵심이다"고 말했다.
"이는 미국 소비자 전체에게 서비스를 제공하는 상품 포트폴리오와 지역 사회에 대한 투자에서 생생하게 구현된다. 우리는 이러한 핵심 고객에게 서비스를 제공하기 위한 혁신적인 방법을 개발해 온 오랜 역사를 가지고 있으며, 이 지역 사회 혜택 계획을 통해 디스커버 인수가 긍정적인 영향의 역사를 기반으로 구축되도록 최선을 다하고 있다."
COF Price Action: According to <a href="https://pro.benzinga.com/?gspk=YWRhbWVja2VydDUzMzY&amp;gsxid=zBMR4PKmcgBw" target="_blank" rel="noopener">Benzinga Pro</a>, Capital One shares are up 3.16% after-hours at $154.20 at the time of publication Wednesday.
COF 주가 움직임: <a href="https://pro.benzinga.com/?gspk=YWRhbWVja2VydDUzMzY&amp;gsxid=zBMR4PKmcgBw">Benzinga Pro에 따르면</a> 수요일 Capital One의 주식은 애프터마켓에서 2.70% 상승한 153.50달러를 기록했다. 디스커버의 주가는 3.21% 오른 145.95달러에 거래되었다.
Image: Shutterstock
Benzinga Pro의 독점 뉴스 및 도구로 더 많은 승리를 거두세요 
독점 속보 및 스캐너와 같은 Benzinga Pro의 강력한 도구 세트로 다른 트레이더보다 우위를 점하세요. 
<a href="https://www.benzinga.com/pro/register?t=be2bewe5mibe3bz3&amp;utm_source=bz-kor" target="_blank" rel="noreferrer noopener">여기를 클릭</a>하여 14일 무료 체험을 시작하세요.

편집자 주: 이 기사에는 연준의 스트레스 테스트 보고서에 언급된 회사인 Citizens Financial Group Inc.가 아닌 Citizens Inc.의 주식 정보가 잘못 포함되어 수정되었습니다.
미국 연방준비제도(연준)의 연례 은행 스트레스 테스트는 수요일에 대형 은행들이 경기 침체 시나리오에서 작년보다 더 큰 예상 손실에 직면하고 있지만, 여전히 심각한 경기 침체를 견디고 <a href="https://www.benzinga.com/analyst-ratings/analyst-color/24/06/39461418/us-bank-stress-tests-this-week-analyst-expects-improvement-8-stocks-3-etfs-to-watch" target="_blank" rel="noopener" data-google-interstitial="false">최소 자본 요건을 유지</a>할 수 있는 좋은 위치에 있음을 보여준다.
"올해의 스트레스 테스트는 대형 은행들이 매우 스트레스가 큰 시나리오에서도 충분한 자본을 보유하고 최소 자본 비율을 충족할 수 있음을 보여준다"고 연준 감독 부문 부의장인 마이클 S. 바(Michael S. Barr)가 말했다.
올해의 스트레스 테스트 부정적 시나리오는 작년과 마찬가지로 심각하지만, 은행 대차대조표의 약간 더 높은 위험과 증가한 비용 때문에 더 큰 손실이 발생했다고 그가 말했다.
2023년 지역 은행 위기를 회상하며, 바는 중요한 교훈이 얻어졌다고 강조했다.
연준은 &#8220;대형 은행들이 일반적으로 예금 이동의 형태로 갑작스러운 자금 충격을 견딜 수 있는 좋은 위치에 있다&#8221;고 밝혔다. 또한, 자금 충격 가정을 감안하더라도 은행의 순이자 수익은 고금리 환경에서 탄력적으로 유지되고 있다.
<h3 class="wp-block-heading">2024년 은행 스트레스 테스트 세부사항, 결과</h3>
올해 테스트에서는 31개 은행 모두 총 예상 가상 손실이 약 6850억 달러에 달함에도 불구하고 최소 보통주 자본 비율 1(CET1) 요건을 초과했다.
올해의 테스트 가상 시나리오는 작년의 심각한 세계적 경기 침체 테스트와 유사하며, 상업용 부동산 가격이 40% 하락하고, 사무실 공실률이 크게 증가하며, 주택 가격이 36% 하락하는 상황을 포함한다. 실업률은 스트레스 테스트에서 10%로 정점에 달하며 경제 생산량도 이에 따라 감소했다.
이 스트레스 시나리오 하에서, 총 보통주 자본 비율(CET1)은 12.7%에서 9.9%로 2.8 퍼센트 포인트 하락할 것으로 예상된다. 이는 작년 테스트보다 더 큰 하락이지만 최근 테스트 범위 내에 있다.
올해 테스트에서 더 큰 자본 감소에 기여한 세 가지 주요 요인은 다음과 같다:
<ol>
<li>신용카드 손실 증가: 신용카드 잔액의 상당한 증가와 높은 연체율로 인해 예상되는 신용카드 손실이 증가했다. 신용카드 손실에 가장 많이 노출된 은행은 앨리 파이낸셜(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ALLY#NYSE">ALLY</a>), 디스커버 파이낸셜 서비스(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/DFS#NYSE">DFS</a>) 및 골드만삭스(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/GS#NYSE">GS</a>)이다.</li>
<li>더 위험한 기업 대출 포트폴리오: 은행들은 기업 대출을 다운그레이드하여 리스크가 증가했음을 반영했고, 이로 인해 예상되는 기업 손실도 증가했다. 기업 대출 잔액에 가장 큰 영향을 받을 것으로 예상되는 은행은 디스커버 파이낸셜 서비스, 바클레이즈(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/BCS#NYSE">BCS</a>) 및 시티즌 파이낸셜 그룹(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFG#NYSE">CFG</a>)이다.</li>
<li>높은 비용과 낮은 수수료 수익: 비용 증가와 수수료 수익 감소로 인해 예상되는 수익이 줄어들면서 자본 감소가 악화되었다.</li>
</ol>
이러한 예상 손실에는 신용카드 손실 1,750억 달러, 상업 및 산업 대출에서 1,420억 달러, 상업용 부동산에서 770억 달러가 포함된다.
&#8220;대형 은행의 상업용 부동산(CRE) 부채 노출은 연방 준비 제도 이사회 감독관들의 주요 관심사로 남아있다&#8221;고 이 보고서에서 밝혔다.
2024년 감독관의 심각한 악화 시나리오에는 상업용 부동산(CRE) 스트레스 증가가 포함되며, CRE 가격은 40% 하락할 것으로 예상된다.
사무실 부문에서의 악화된 기본 요인으로 인해 사무실 건물 대출에 대한 예상 손실이 증가했지만, 연준은 호텔 및 소매 부동산 대출에 대한 예상 손실이 감소하면서 이러한 손실이 균형을 이루고 있다고 밝혔다. 이는 지난 해 동안 이들 부문의 시장 기본 요인이 개선되었기 때문이다.
시장 반응: 미 동부 시간 오후 5:05 기준 캐피탈 원 파이낸셜(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/COF#NYSE">COF</a>), 시티즌 파이낸셜 그룹(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFG#NYSE">CFG</a>) 및 골드만삭스는 Financial Select Sector SPDR Fund(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/XLF#NYSE">XLF</a>) 구성 주식들 중 가장 많이 하락했다. 최고의 종목은 1.7% 상승한 트루이스트 파이낸셜(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/TFC#NYSE">TFC</a>)이었다.
지금 읽기: <a href="https://www.benzinga.com/analyst-ratings/analyst-color/24/06/39506069/yen-plummets-to-160-against-dollar-lowest-since-december-1986-is-bank-of-japan-inte">엔화는 1986년 12월 이후 최저치인 달러 대비 160으로 급락: 일본은행의 개입이 임박?</a>
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2024년 연준 스트레스 테스트: 대형 은행들은 심각한 불황에 큰 손실을 겪지만 강한 자본력 유지(정정)

은행 및 신용카드 회사 디스커버 파이낸셜 서비스(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/DFS#NYSE">DFS</a>)은 수요일 <a href="https://www.benzinga.com/calendars/earnings" target="_blank" rel="noopener">뉴욕 시장 마감</a> 후 첫 분기 재무 결과를 발표했다.
주요 하이라이트는 다음과 같다.
무슨 일이 있었나 (What Happened): 디스커버 파이낸셜은 1분기 매출이 42억 1천만 달러로 전년 동기 대비 13% 증가했다고 보고했다. <a href="https://www.benzinga.com/pro/feature/newsfeed?gspk=bHVrZWphY29iaTUzNDg&amp;gsxid=tdEE0VrK8Jeg&amp;ref=lukejacobi5348" target="_blank" rel="noopener">Benzinga Pro</a>의 데이터에 따르면 이는 월가 추정치인 40억 7천만 달러를 능가했다.
회사의 주당 순이익은 1.10달러로, 전년 동기 대비 감소한 수치이다.
1분기 총 대출액은 1,266억 달러로 전년 동기 대비 12% 증가했다. 1분기 말 신용카드 대출액은 995억 달러로 전년 동기 대비 11% 증가했다.
임시 최고경영자(CEO)인 마이클 셰퍼드(Michael Shepherd)는 &#8220;1분기 실적은 양호한 대출 증가, 순이자 마진 확대, 연체 안정화를 보여주었지만 카드 오분류 문제 해결을 위한 조치로 인해 비용이 증가했다&#8221;라고 말했다.
이 회사는 1분기 순상각률을 4.92%로 보고했는데, 이는 전년도보다 220bp(베이시스 포인트) 상승한 수치이다. 1분기 신용카드 순상각률은 5.66%로 전년 동기 대비 265bp, 가장 최근 보고된 4분기 대비 98bp 상승했다.
디스커버는 15억 달러의 신용 손실 충당금이 전년도보다 3억 9,500만 달러 증가했으며 이는 순 상각액이 8억 600만 달러 증가한 데 따른 것이라고 밝혔다.
관련 링크: 바이든, 277,000명의 대출자들에게 7백만 달러 이상의 학자금 청산
다음은 (What&#8217;s Next): 디스커버는 2월에 캐피털 원 파이낸셜(NYSE:<a class="items-end ticker-link-wrapper inline-flex" href="https://www.benzinga.com/quote/cof" target="_blank" rel="dofollow noopener" aria-label="Go to Quote Page for COF">COF</a>)과의 <a href="https://www.benzinga.com/m-a/24/02/37204534/capital-one-set-to-acquire-discover-in-landmark-35-3b-deal" target="_blank" rel="noopener">합병</a>을 발표했으며 현재 거래가 진행 중이다. 잠재적인 합병으로 인해 합병된 회사는 은행 부문에서 더 큰 플레이어가 될 것이며 신용 카드 리더인 비자(Visa Inc) 및 마스터카드(Mastercard)에 대한 더 큰 경쟁자가 될 수 있다.
몇몇 의회 의원들은 제안된 합병을 막거나 거래의 잠재적인 반경쟁적 성격에 대해 엄격한 조사를 요구하기 위해 목소리를 냈다.
셰퍼드는 수요일에 &#8220;뛰어난 고객 경험과 우리가 봉사하는 지역 사회에 대한 헌신을 바탕으로 선도적인 은행 및 결제 조직을 탄생시킬 캐피털 원과의 합병을 기대하고 있다&#8221;라고 말했다.
DFS 주가 움직임 : 디스커버 파이낸셜의 주식은 2.05% 상승한 122.35달러에 거래되었다. 52주간의 최고가와 최저가는 각각 79.04달러와 131.65달러이다.
Read Next: <a href="https://www.benzinga.com/24/04/38211955/americas-credit-card-slump-delinquencies-reach-12-year-high-as-issuers-lower-credit-limits">미국의 신용카드 침체: 발행사들이 신용 한도를 줄이면서 채무 불이행이 12년 만에 최고치 도달</a>

디스커버 파이낸셜: 1분기 매출 예상 상회 및 합병 업데이트에 주가 상승

소비자들이 <a href="https://www.benzinga.com/topic/credit-cards">신용카드 청구서를</a> 지불하는 데 어려움을 겪고 있다.
현황 (What Happened): 필라델피아 연방준비은행(연준)의 최근 보고서에 따르면, 2023년 4분기 기준 신용카드 연체율이 사상 최고치에 도달했다.
이 기관은 2012년부터 신용카드 관련 데이터를 분석해 왔다. 그 이후 지난해 4분기는 신용카드 회사들에게는 최악의 결과를 가져왔다.
거의 3.5%의 신용 카드 사용자가 만기일로부터 30일이 지나도 잔액을 지불하지 않았으며, 60일 이상 및 90일 이상 범주에서도 기록적이었다.
일부 사용자들의 경우, 잔액이 걱정스러운 수치에 도달했다. 적어도 10%의 차입자들은 5,200달러 이상의 계좌 잔액을 가지고 있으며, 25%는 2,000달러 이상의 잔액을 가지고 있다.
참조: <a href="https://www.benzinga.com/money/best-credit-cards-for-cash-back">2024년 4월 최고의 캐시백 신용카드 상위 10개</a>
중요도 (Why It Matters): 신용카드 이용자들 중 하위 25%의 신용점수가 악화되고 있다. 이에 대응해 신용카드 발급사들은 새로나온 카드의 한도를 낮추고 있다.
2023년 내내 신용카드 새로 발급한 카드의 중위 한도는 3,368달러에서 3,000달러로 떨어졌다.
필라델피아 연은은 카드 사용자들 사이의 스트레스가 결제 행동으로 변화되었다고 밝혔다. 최소 결제액 회수의 비중이 0.34% 상승하여 기록된 데이터 중 새로운 최고치에 이르렀다.
2023년 4분기 신용카드 잔액도 명목상 최고치에 달했지만, 인플레이션 조정을 고려하면 2019년 4분기보다 낮은 수치로 유지되었다. 보통 신용카드 잔액은 연말에 휴가 구매 및 기타 지출로 인해 증가한다.
필라델피아 연은의 이번 보고서는 신용 카드 시장의 최신 동향과 일치한다. 신용카드 회사들이 수수료 구조에 대한 주요 변경 사항을 발표하면서 <a href="https://www.benzinga.com//node/38149540">대부분의 인구가 보다 엄격한 신용 카드 환경에 대비 중</a>이라는 사실도 재차 확인됐다.
지난주에는 마스터카드 (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MA#NYSE">MA</a>)가 <a href="https://www.benzinga.com/news/24/04/38090169/mastercard-set-to-increase-credit-card-fees-adding-millions-in-costs-for-retailers-after-visa-settle">신용카드 요금을 인상한다고 발표했다</a>. 이는 비자(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/V#NYSE">V</a>)와 함께 미국 상인들과의 <a href="https://www.benzinga.com/markets/equities/24/03/37939460/visa-and-mastercard-settle-historic-antitrust-suit-with-us-merchants-whats-on-the-cards" target="_blank" rel="noopener">과징금</a>에 따른 손실 보상을 위한 노력의 일환이다.
연체율 상승에 가장 큰 영향을 받을 가능성이 높은 것은 바로 신용카드 발급사들이다.
머니긱(MoneyGeek)에서 <a href="https://www.moneygeek.com/credit-cards/analysis/largest-credit-card-issuers/" target="_blank" rel="noopener">인용한</a> 닐슨(Nilson) 보고서에 따르면 JP모건 체이스 (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/JPM#NYSE">JPM</a>)는 거의 1억 5천만 명에 달하는 카드 소지자 수를 보유한 최대 발행사이다.
그 뒤로는 캐피털 원 파이낸셜 (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/COF#NYSE">COF</a>), 씨티그룹 (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/C#NYSE">C</a>), 디스커버 파이낸셜 서비스 (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/DFS#NYSE">DFS</a>), 뱅크 오브 아메리카 (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/BAC#NYSE">BAC</a>) 및 아메리칸 익스프레스 (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/AXP#NYSE">AXP</a>)가 뒤를 따른다.
지난 2월에는 캐피털 원이 <a href="https://www.benzinga.com/analyst-ratings/analyst-color/24/02/37218624/why-capital-one-discover-merger-is-a-threat-to-visa-mastercard-creation-of-new-cred">디스커버를 350억 달러에 인수하기로 하는 것을 발표했다</a>. 만약 이 합의가 이루어진다면, 이 합병된 기업은 1억 7천만명의 카드 소지자를 보유한 국내 최대의 신용카드 회사가 될 것이다.
이번 주 초, 미 상원 원내대표인 척 슈머 (Chuck Schumer)는 이번 합병에 대한 <a href="https://www.benzinga.com/m-a/24/02/37230472/democrats-slam-capital-one-discover-merger-this-wall-street-deal-is-dangerous-and-will-harm-working">다른 민주당 의원들의 발언을 반복해 이번 합병이 일반 사용자들에게 미칠 영향에 대해 우려를 표했다</a>.
&#8220;신용카드 시장에서 경쟁력이 줄어들면 카드 소유자에게는 더 높은 이자율, 더 높은 수수료, 더 높은 벌금 및 그 이상이 의미될 수 있다&#8221;고 슈머가 말했다.
iShares US Financial Services ETF (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/IYG#NYSE">IYG</a>)는 JP모건 체이스, 마스터카드, 비자, 뱅크 오브 어메리카, 웰스 파고 (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/WFC#NYSE">WFC</a>)를 포함한 신용카드 기업들과 발급사들에 대한 가장 큰 노출을 지닌 ETF 중 하나다.
Financial Select Sector SPDR Fund(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/XLF#NYSE">XLF</a>)는 동일한 기업에 대한 노출이 큰 비슷한 포트폴리오를 가지고 있다.
Unsplash의 <a href="https://unsplash.com/photos/white-and-blue-magnetic-card-RJQE64NmC_o?utm_content=creditCopyText&amp;utm_medium=referral&amp;utm_source=unsplash">이미지</a>는 여기를 클릭하세요.

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