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![equilyse1 Avatar](https://lunarcrush.com/gi/w:24/cr:twitter::1829453676387106817.png) Equilyse [@equilyse1](/creator/twitter/equilyse1) on x XXX followers
Created: 2025-07-16 11:35:51 UTC

$DFS: Discover Financial Services reported a strong Q1 2025, with earnings per share up XX% driven by healthy net interest margin and solid credit performance. Net income hit $XXX billion, a XX% jump year-over-year. The net interest margin expanded to 12.18%, up XXX basis points from last year.

The big story is the pending merger with Capital One—expected to close May 18, 2025—after securing regulatory and shareholder approvals. Management is excited about increased competition in payment networks and broader product offerings. Due to the merger, Discover didn't update 2025 trends.

Credit performance remained strong, with the CARD 30-plus-day delinquency rate down XX basis points. Total net charge-offs were 4.99%, a slight increase, but would have decreased excluding the student loan sale. A quarterly dividend of XX cents per share was declared, but Discover stockholders will receive Capital One dividends instead due to the merger.

![](https://pbs.twimg.com/media/Gv-d_lgXIAANknZ.png)

XX engagements

![Engagements Line Chart](https://lunarcrush.com/gi/w:600/p:tweet::1945447281680953693/c:line.svg)

**Related Topics**
[corporate finance](/topic/corporate-finance)
[earnings per](/topic/earnings-per)
[quarterly earnings](/topic/quarterly-earnings)
[$dfs](/topic/$dfs)
[stocks financial services](/topic/stocks-financial-services)

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