0001393612-20-000032.txt : 20200814 0001393612-20-000032.hdr.sgml : 20200814 20200814164800 ACCESSION NUMBER: 0001393612-20-000032 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 15 CONFORMED PERIOD OF REPORT: 20200814 ITEM INFORMATION: Regulation FD Disclosure ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20200814 DATE AS OF CHANGE: 20200814 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Discover Financial Services CENTRAL INDEX KEY: 0001393612 STANDARD INDUSTRIAL CLASSIFICATION: PERSONAL CREDIT INSTITUTIONS [6141] IRS NUMBER: 362517428 STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-33378 FILM NUMBER: 201106120 BUSINESS ADDRESS: STREET 1: 2500 LAKE COOK ROAD CITY: RIVERWOODS STATE: IL ZIP: 60015 BUSINESS PHONE: 224-405-0900 MAIL ADDRESS: STREET 1: 2500 LAKE COOK ROAD CITY: RIVERWOODS STATE: IL ZIP: 60015 8-K 1 monthlycreditcardstats.htm 8-K Document
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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
 
Form 8-K
 
Current Report
Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934
Date of Report (Date of earliest event reported): August 14, 2020
 
DISCOVER FINANCIAL SERVICES
(Exact name of registrant as specified in its charter)
 
Commission File Number: 001-33378
 
Delaware
 
36-2517428
(State or other jurisdiction
of incorporation)
 
(IRS Employer
Identification No.)
2500 Lake Cook Road, Riverwoods, Illinois 60015
(Address of principal executive offices, including zip code)
(224) 405-0900
(Registrant's telephone number, including area code)
N/A
(Former name or former address, if changed since last report)
 
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:
 
☐
Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
 
☐
Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
 
☐
Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
 
☐
Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act
Title of each class
Trading symbol(s)
Name of each exchange on which registered
Common Stock, par value $0.01 per share
DFS
New York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).
Emerging growth company ☐
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐






Item 7.01 Regulation FD Disclosure.

Discover Financial Services (the "Company") hereby furnishes the information in Exhibit 99.1 hereto, Monthly Credit Card Charge-off and Delinquency Statistics as of and for each of the twenty-four months ended July 31, 2020 and Weekly Credit Card Skip-a-Pay (Payment Deferral) Program Enrollment Statistics.

_______________________


The information contained in this Item 7.01 of this Current Report on Form 8-K, including the exhibits, is furnished pursuant to Item 7.01 of Form 8-K and shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that section, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended, or the Securities Exchange Act of 1934, as amended, except as shall be expressly stated by specific reference in such filing.

_______________________



Item 9.01 Financial Statements and Exhibits.


(d) Exhibits  
 
 
 
Exhibit No.
 
Description
 
 
 
 
Monthly Credit Card Charge-off and Delinquency Statistics as of and for each of the twenty-four months ended July 31, 2020 and Weekly Credit Card Skip-a-Pay (Payment Deferral) Program Enrollment Statistics.
 
 
 
104
 
Cover Page Interactive Data File — the cover page from this Current Report on Form 8-K, formatted as Inline XBRL (included as Exhibit 101).







SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
 
 
 
 
 
 
 
 
 
 
 
 
DISCOVER FINANCIAL SERVICES
 
 
 
 
Dated: August 14, 2020
 
 
 
By:
 
/s/ D. Christopher Greene
 
 
 
 
 
 
Name: D. Christopher Greene
 
 
 
 
 
 
Title: Vice President, Secretary and Deputy General Counsel



 EX-99.1 2 exhibit9917-31x20.htm EXHIBIT 99.1 Exhibit


Exhibit 99.1

Discover Financial Services
Monthly Credit Card Charge-off and Delinquency Statistics
As of and for each of the twenty-four months ended
(dollars in billions)



 
 
Jul 31, 2020
Jun 30, 2020
May 31, 2020
Apr 30, 2020
Mar 31, 2020
Feb 29, 2020
Jan 31, 2020
Dec 31, 2019
Nov 30, 2019
Oct 31, 2019
Sep 30, 2019
Aug 31, 2019
Ending Loans
 
$
69.8

$
70.2

$
70.3

$
71.0

$
73.8

$
74.8

$
75.9

$
77.2

$
75.2

$
74.2

$
74.0

$
73.8

Average Loans
 
$
69.8

$
70.1

$
70.4

$
72.1

$
74.3

$
75.4

$
76.3

$
76.4

$
74.3

$
73.7

$
73.8

$
73.4

Net Principal Charge-off Rate(1)
 
3.42
%
3.65
%
4.07
%
3.98
%
3.67
%
3.84
%
3.45
%
3.50
%
3.46
%
3.27
%
3.32
%
3.40
%
Delinquency Rate (30 or more days)(2)
 
2.03
%
2.17
%
2.36
%
2.56
%
2.62
%
2.64
%
2.65
%
2.62
%
2.61
%
2.58
%
2.50
%
2.41
%
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Jul 31, 2019
Jun 30, 2019
May 31, 2019
Apr 30, 2019
Mar 31, 2019
Feb 28, 2019
Jan 31, 2019
Dec 31, 2018
Nov 30, 2018
Oct 31, 2018
Sep 30, 2018
Aug 31, 2018
Ending Loans
 
$
73.3

$
72.4

$
71.9

$
71.5

$
70.8

$
71.0

$
72.0

$
72.9

$
71.4

$
69.9

$
69.3

$
69.2

Average Loans
 
$
72.6

$
72.1

$
71.4

$
71.0

$
70.5

$
71.4

$
72.1

$
72.2

$
70.2

$
69.3

$
69.2

$
68.7

Net Principal Charge-off Rate(1)
 
3.23
%
3.54
%
3.48
%
3.46
%
3.42
%
3.81
%
3.30
%
3.41
%
3.24
%
3.03
%
3.17
%
3.14
%
Delinquency Rate (30 or more days)(2)
 
2.37
%
2.34
%
2.33
%
2.38
%
2.45
%
2.49
%
2.49
%
2.43
%
2.43
%
2.40
%
2.32
%
2.23
%
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 

(1) Represents net principal charge-off dollars (annualized) divided by average loans for the reporting period. The net principal charge-off rate for the month ended August 31, 2019 reflects approximately 14 basis points of higher charge-offs due to the resolution of a prior processing delay at a debt consolidation firm. The risk associated with the impacted accounts was considered in the Company’s allowance for loan losses as of June 30, 2019.
(2) Represents loans delinquent 30 or more days divided by ending loans.

  
The statistics presented above provide information regarding Discover Financial Services' total credit card portfolio. The data presented differs from the data reported by the Discover Card Master Trust I and, through the collateral certificate, the Discover Card Execution Note Trust (collectively, the “Trusts”), Discover Funding LLC and Discover Bank in their monthly Form 10-D reports filed with the Securities and Exchange Commission which reflects only credit card loans that have been securitized through the Trusts. The credit card loans that have been securitized through the Trusts do not possess identical characteristics with those of the total portfolio of Discover credit card loans, which reflects the aggregate of securitized and non-securitized credit card loans. Thus, the reported credit performance of the Trusts may, on a month-to-month basis, be better or worse than the credit performance of the total credit card portfolio. Reported differences may arise as a result of, among other things, differences in the mix and vintage of loans between the Trusts and the total portfolio, the use of beginning of month principal receivables balances to calculate charge-off statistics in the Trusts compared to the use of average loan balances over the reporting period used in the total portfolio statistics, and the calculation of the Trusts' net charge-off rate annualized on a 30/360 day count basis, as compared to an actual/actual day count basis for the total portfolio.




Discover Financial Services
Weekly Credit Card Skip-a-Pay (Payment Deferral) Program Enrollment Statistics
(dollars in millions)



 
 
Jun 15, 2020 - Jun 21, 2020
Jun 22, 2020 - Jun 28, 2020
Jun 29, 2020 - Jul 5, 2020
Jul 6, 2020 - Jul 12, 2020
Jul 13, 2020 - Jul 19, 2020
Jul 20, 2020 - Jul 26, 2020
Jul 27, 2020 - Aug 2, 2020
Aug 3, 2020 - Aug 09, 2020
Credit Card Balances Enrolled(1)
 
$
39

$
32

$
35

$
35

$
33

$
27

$
28

$
25

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 

(1) Represents total balance of credit card receivables newly enrolled in the Skip-a-Pay (payment deferral) program for cardmembers impacted by COVID-19 for each of the weeks presented.

As of August 9, 2020, $3.4 billion of credit card receivables have been enrolled in the Skip-a-Pay program. As of August 9, 2020, 34% of eligible accounts have been re-enrolled in a second month of the Skip-a-Pay program.



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