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Discover Financial Services Inc (DFS) Earnings Report: Q3 2015 Conference Call Transcript

The following Discover Financial Services Inc (DFS - Get Report) conference call took place on October 20, 2015, 05:00 PM ET. This is a transcript of that earnings call:

Company Participants

  • Bill Franklin; Discover Financial Services ; Head of IR
  • Roger Hochschild; Discover Financial Services ; President & COO
  • Mark Graf; Discover Financial Services ; CFO

Other Participants

  • Sanjay Sakhrani; Keefe, Bruyette & Woods Inc. ; Analyst
  • Bob Napoli; William Blair & Company ; Analyst
  • Bill Carcache; Nomura Securities Co. Ltd. ; Analyst
  • David Ho; Deutsche Bank ; Analyst
  • Ryan Nash; Goldman Sachs ; Analyst
  • Moshe Orenbuch; Credit Suisse ; Analyst
  • John Hecht; Jefferies LLC ; Analyst
  • Sameer Gokhale; Janney Montgomery Scott LLC ; Analyst
  • Mark DeVries; Barclays Capital ; Analyst
  • Chris Donat; Sandler O'Neill & Partners ; Analyst
  • Matthew Howlett; UBS ; Analyst
  • Ken Bruce; BofA Merrill Lynch ; Analyst
  • Rick Shane; JPMorgan ; Analyst
  • Cheryl Pate; Morgan Stanley ; Analyst
  • Eric Wasserstrom; Guggenheim Securities LLC ; Analyst
  • Jason Arnold; RBC Capital Markets ; Analyst
  • Don Fandetti; Citigroup ; Analyst
  • Chris Brendler; Stifel Nicolaus ; Analyst
  • Jason Harbes; Wells Fargo Securities ; Analyst

MANAGEMENT DISCUSSION SECTION Operator: Welcome to the Discover Financial Services third quarter 2015 earnings conference call.

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(Operator Instructions) As a reminder, this conference is being recorded. I'd like introduce your host for today's conference, Bill Franklin, Head of Investor...


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