$DFS
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$dfs Overview Financials Valuation SEC Filings Company Website

2024 Q1 Form 10-K Financial Statement

#000139361224000010 Filed on February 23, 2024

Income Statement

Concept	2024 Q1	2023 Q4	2023
Revenue	$4.948B		$17.85B
YoY Change	21.36%		38.72%
Cost Of Revenue
YoY Change
Gross Profit
YoY Change
Gross Profit Margin
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development	$163.0M		$608.0M
YoY Change	17.27%		18.52%
% of Gross Profit
Depreciation & Amortization	$96.00M	$104.0M	$458.0M
YoY Change	-25.58%	-24.09%	-18.36%
% of Gross Profit
Operating Expenses	$163.0M		$608.0M
YoY Change	17.27%		18.52%
Operating Profit
YoY Change
Interest Expense	$1.461B		$4.746B
YoY Change	54.6%		154.48%
% of Operating Profit
Other Income/Expense, Net
YoY Change
Pretax Income	$404.0M	$512.0M	$3.826B
YoY Change	-68.14%	-62.19%	-33.37%
Income Tax	$96.00M	$124.0M	$886.0M
% Of Pretax Income	23.76%	24.22%	23.16%
Net Earnings	$274.0M	$386.0M	$2.859B
YoY Change	-70.82%	-62.41%	-33.57%
Net Earnings / Revenue	5.54%		16.02%
Basic Earnings Per Share	$1.10		$11.27
Diluted Earnings Per Share	$1.10	$1.54	$11.33
COMMON SHARES
Basic Shares Outstanding	250.6M shares	250.1M shares	254.0M shares
Diluted Shares Outstanding	250.0M shares		254.0M shares

Balance Sheet

Concept	2024 Q1	2023 Q4	2023
SHORT-TERM ASSETS
Cash & Short-Term Investments	$27.53B	$25.34B
YoY Change	23.0%	20.3%
Cash & Equivalents	$14.00B	$11.69B
Short-Term Investments	$13.52B	$13.66B
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
LONG-TERM ASSETS
Property, Plant & Equipment	$1.107B	$1.091B	$1.091B
YoY Change	7.37%	8.77%	8.77%
Goodwill	$255.0M	$255.0M
YoY Change	0.0%	0.0%
Intangibles
YoY Change
Long-Term Investments	$479.0M	$514.0M	$514.0M
YoY Change	17.98%	23.56%	23.56%
Other Assets			$2.656B
YoY Change			32.53%
Total Long-Term Assets
YoY Change
TOTAL ASSETS
Total Short-Term Assets
Total Long-Term Assets
Total Assets	$152.7B	$151.5B	$151.5B
YoY Change	14.75%	15.11%	15.11%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable
YoY Change
Accrued Expenses	$7.064B	$6.432B	$6.432B
YoY Change	45.86%	21.5%	21.5%
Deferred Revenue
YoY Change
Short-Term Debt	$0.00	$750.0M	$750.0M
YoY Change
Long-Term Debt Due	$3.725B	$4.251B	$4.251B
YoY Change	102.34%	11.43%	11.43%
Total Short-Term Liabilities	$7.064B	$11.43B	$11.43B
YoY Change	45.86%	115.96%	115.96%
LONG-TERM LIABILITIES
Long-Term Debt	$20.48B	$16.33B	$16.33B
YoY Change	12.73%	-18.79%	-18.79%
Other Long-Term Liabilities
YoY Change
Total Long-Term Liabilities	$20.48B	$16.33B	$16.33B
YoY Change	12.73%	-18.79%	-18.79%
TOTAL LIABILITIES
Total Short-Term Liabilities	$7.064B	$11.43B	$11.43B
Total Long-Term Liabilities	$20.48B	$16.33B	$16.33B
Total Liabilities	$138.0B	$136.7B	$136.7B
YoY Change	16.19%	16.79%	16.79%
SHAREHOLDERS EQUITY
Retained Earnings	$30.51B	$30.45B
YoY Change	4.16%	7.01%
Common Stock	$6.000M	$6.000M
YoY Change	0.0%	0.0%
Preferred Stock
YoY Change
Treasury Stock (at cost)	$21.04B	$21.01B
YoY Change	3.65%	10.27%
Treasury Stock Shares
Shareholders Equity	$14.72B	$14.83B	$14.83B
YoY Change
Total Liabilities & Shareholders Equity	$152.7B	$151.5B	$151.5B
YoY Change	14.75%	15.11%	15.11%

Cashflow Statement

Concept	2024 Q1	2023 Q4	2023
OPERATING ACTIVITIES
Net Income	$274.0M	$386.0M	$2.859B
YoY Change	-70.82%	-62.41%	-33.57%
Depreciation, Depletion And Amortization	$96.00M	$104.0M	$458.0M
YoY Change	-25.58%	-24.09%	-18.36%
Cash From Operating Activities	$1.843B	$2.876B	$8.563B
YoY Change	2.9%	32.23%	19.93%
INVESTING ACTIVITIES
Capital Expenditures	$71.00M	$68.00M	$303.0M
YoY Change	-6.58%	17.24%	28.39%
Acquisitions
YoY Change
Other Investing Activities	$429.0M	-$6.754B	-$21.19B
YoY Change	-137.21%	-47.87%	-16.59%
Cash From Investing Activities	$358.0M	-$6.822B	-$21.49B
YoY Change	-129.13%	-47.58%	-16.17%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities	$514.0M	6.441B	$15.76B
YoY Change	-26.99%	-18.12%	-1.89%
NET CHANGE
Cash From Operating Activities	$1.843B	2.876B	$8.563B
Cash From Investing Activities	$358.0M	-6.822B	-$21.49B
Cash From Financing Activities	$514.0M	6.441B	$15.76B
Net Change In Cash	$2.715B	2.495B	$2.831B
YoY Change	114.45%	-183.92%	-216.26%
FREE CASH FLOW
Cash From Operating Activities	$1.843B	$2.876B	$8.563B
Capital Expenditures	$71.00M	$68.00M	$303.0M
Free Cash Flow	$1.772B	$2.808B	$8.260B
YoY Change	3.32%	32.64%	19.64%

Facts In Submission

Frame	Concept Type	Concept / XBRL Key	Value	Unit
CY2023	us-gaap	Provision For Loan Lease And Other Losses ProvisionForLoanLeaseAndOtherLosses	6018000000	usd
CY2023	us-gaap	Interest Income Expense After Provision For Loan Loss InterestIncomeExpenseAfterProvisionForLoanLoss	7081000000	usd
CY2023	dfs	Discount And Interchange Revenue DiscountAndInterchangeRevenue	1447000000	usd
CY2022	dfs	Discount And Interchange Revenue DiscountAndInterchangeRevenue	1380000000	usd
CY2021	dfs	Discount And Interchange Revenue DiscountAndInterchangeRevenue	1188000000	usd
CY2023	dfs	Protectionproductsrevenue Protectionproductsrevenue	172000000	usd
CY2022	dfs	Protectionproductsrevenue Protectionproductsrevenue	172000000	usd
CY2021	dfs	Protectionproductsrevenue Protectionproductsrevenue	165000000	usd
CY2022	dfs	Loanfeeincome Loanfeeincome	632000000	usd
CY2021	dfs	Loanfeeincome Loanfeeincome	464000000	usd
CY2021	dfs	Transaction Processing Revenue TransactionProcessingRevenue	227000000	usd
CY2022	us-gaap	Interest Income Expense After Provision For Loan Loss InterestIncomeExpenseAfterProvisionForLoanLoss	8640000000	usd
CY2023	dei	Entity Central Index Key EntityCentralIndexKey	0001393612
CY2023	dei	Current Fiscal Year End Date CurrentFiscalYearEndDate	--12-31
CY2023	dei	Document Fiscal Year Focus DocumentFiscalYearFocus	2023
CY2023	dei	Document Fiscal Period Focus DocumentFiscalPeriodFocus	FY
CY2023	dei	Amendment Flag AmendmentFlag	false
CY2023	dei	Document Annual Report DocumentAnnualReport	true
CY2023	dei	Entity Well Known Seasoned Issuer EntityWellKnownSeasonedIssuer	Yes
CY2023	dei	Entity Voluntary Filers EntityVoluntaryFilers	No
CY2023	dei	Entity Current Reporting Status EntityCurrentReportingStatus	Yes
CY2023	dei	Entity Interactive Data Current EntityInteractiveDataCurrent	Yes
CY2023	dei	Entity Filer Category EntityFilerCategory	Large Accelerated Filer
CY2023	dei	Entity Small Business EntitySmallBusiness	false
CY2023	dei	Entity Emerging Growth Company EntityEmergingGrowthCompany	false
CY2023	dei	Icfr Auditor Attestation Flag IcfrAuditorAttestationFlag	true
CY2023	dei	Document Fin Stmt Error Correction Flag DocumentFinStmtErrorCorrectionFlag	true
CY2023	dei	Document Fin Stmt Restatement Recovery Analysis Flag DocumentFinStmtRestatementRecoveryAnalysisFlag	false
CY2023	dei	Entity Shell Company EntityShellCompany	false
CY2023Q4	dei	Entity Public Float EntityPublicFloat	29097770033	usd
CY2024Q1	dei	Entity Common Stock Shares Outstanding EntityCommonStockSharesOutstanding	250555294	shares
CY2023Q4	us-gaap	Common Stock Par Or Stated Value Per Share CommonStockParOrStatedValuePerShare	0.01
CY2023	dei	Auditor Name AuditorName	Deloitte & Touche LLP
CY2023	dei	Auditor Location AuditorLocation	Chicago, Illinois
CY2023	dei	Auditor Name AuditorName	Deloitte & Touche LLP
CY2023	dei	Auditor Location AuditorLocation	Chicago, Illinois
CY2023Q4	us-gaap	Cash And Cash Equivalents At Carrying Value CashAndCashEquivalentsAtCarryingValue	11685000000	usd
CY2022Q4	us-gaap	Cash And Cash Equivalents At Carrying Value CashAndCashEquivalentsAtCarryingValue	8856000000	usd
CY2023Q4	us-gaap	Restricted Cash And Cash Equivalents RestrictedCashAndCashEquivalents	43000000	usd
CY2022Q4	us-gaap	Restricted Cash And Cash Equivalents RestrictedCashAndCashEquivalents	41000000	usd
CY2023Q4	us-gaap	Available For Sale Securities Debt Securities AvailableForSaleSecuritiesDebtSecurities	13402000000	usd
CY2022Q4	us-gaap	Available For Sale Securities Debt Securities AvailableForSaleSecuritiesDebtSecurities	11987000000	usd
CY2023Q4	us-gaap	Available For Sale Debt Securities Amortized Cost Basis AvailableForSaleDebtSecuritiesAmortizedCostBasis	13451000000	usd
CY2022Q4	us-gaap	Available For Sale Debt Securities Amortized Cost Basis AvailableForSaleDebtSecuritiesAmortizedCostBasis	12167000000	usd
CY2023Q4	us-gaap	Marketable Securities MarketableSecurities	13655000000	usd
CY2022Q4	us-gaap	Marketable Securities MarketableSecurities	12208000000	usd
CY2023Q4	us-gaap	Notes Receivable Gross NotesReceivableGross	128409000000	usd
CY2022Q4	us-gaap	Notes Receivable Gross NotesReceivableGross	112120000000	usd
CY2023Q4	us-gaap	Financing Receivable Allowance For Credit Losses FinancingReceivableAllowanceForCreditLosses	9283000000	usd
CY2022Q4	us-gaap	Financing Receivable Allowance For Credit Losses FinancingReceivableAllowanceForCreditLosses	7374000000	usd
CY2023Q4	us-gaap	Notes Receivable Net NotesReceivableNet	119126000000	usd
CY2022Q4	us-gaap	Notes Receivable Net NotesReceivableNet	104746000000	usd
CY2023Q4	us-gaap	Property Plant And Equipment Net PropertyPlantAndEquipmentNet	1091000000	usd
CY2022Q4	us-gaap	Property Plant And Equipment Net PropertyPlantAndEquipmentNet	1003000000	usd
CY2023Q4	us-gaap	Goodwill Goodwill	255000000	usd
CY2022Q4	us-gaap	Goodwill Goodwill	255000000	usd
CY2023Q4	us-gaap	Other Assets OtherAssets	5667000000	usd
CY2022Q4	us-gaap	Other Assets OtherAssets	4597000000	usd
CY2023Q4	us-gaap	Assets Assets	151522000000	usd
CY2022Q4	us-gaap	Assets Assets	131706000000	usd
CY2023Q4	us-gaap	Interest Bearing Deposit Liabilities InterestBearingDepositLiabilities	107493000000	usd
CY2022Q4	us-gaap	Interest Bearing Deposit Liabilities InterestBearingDepositLiabilities	90151000000	usd
CY2023Q4	us-gaap	Noninterest Bearing Deposit Liabilities NoninterestBearingDepositLiabilities	1438000000	usd
CY2022Q4	us-gaap	Noninterest Bearing Deposit Liabilities NoninterestBearingDepositLiabilities	1485000000	usd
CY2023Q4	us-gaap	Deposits Deposits	108931000000	usd
CY2022Q4	us-gaap	Deposits Deposits	91636000000	usd
CY2023Q4	us-gaap	Collateralized Financings CollateralizedFinancings	750000000	usd
CY2022Q4	us-gaap	Collateralized Financings CollateralizedFinancings	0	usd
CY2023Q4	us-gaap	Long Term Debt And Capital Lease Obligations LongTermDebtAndCapitalLeaseObligations	20581000000	usd
CY2022Q4	us-gaap	Long Term Debt And Capital Lease Obligations LongTermDebtAndCapitalLeaseObligations	20108000000	usd
CY2023Q4	us-gaap	Accrued Liabilities Current And Noncurrent AccruedLiabilitiesCurrentAndNoncurrent	6432000000	usd
CY2022Q4	us-gaap	Accrued Liabilities Current And Noncurrent AccruedLiabilitiesCurrentAndNoncurrent	5618000000	usd
CY2023Q4	us-gaap	Liabilities Liabilities	136694000000	usd
CY2022Q4	us-gaap	Liabilities Liabilities	117362000000	usd
CY2023Q4	us-gaap	Commitments And Contingencies CommitmentsAndContingencies		usd
CY2022Q4	us-gaap	Commitments And Contingencies CommitmentsAndContingencies		usd
CY2022Q4	us-gaap	Common Stock Par Or Stated Value Per Share CommonStockParOrStatedValuePerShare	0.01
CY2023Q4	us-gaap	Common Stock Par Or Stated Value Per Share CommonStockParOrStatedValuePerShare	0.01
CY2022Q4	us-gaap	Common Stock Shares Authorized CommonStockSharesAuthorized	2000000000	shares
CY2023Q4	us-gaap	Common Stock Shares Authorized CommonStockSharesAuthorized	2000000000	shares
CY2023Q4	us-gaap	Common Stock Shares Issued CommonStockSharesIssued	570837720	shares
CY2022Q4	us-gaap	Common Stock Shares Issued CommonStockSharesIssued	569689007	shares
CY2023Q4	us-gaap	Common Stock Value CommonStockValue	6000000	usd
CY2022Q4	us-gaap	Common Stock Value CommonStockValue	6000000	usd
CY2023Q4	us-gaap	Preferred Stock Par Or Stated Value Per Share PreferredStockParOrStatedValuePerShare	0.01
CY2022Q4	us-gaap	Preferred Stock Par Or Stated Value Per Share PreferredStockParOrStatedValuePerShare	0.01
CY2022Q4	us-gaap	Preferred Stock Shares Authorized PreferredStockSharesAuthorized	200000000	shares
CY2023Q4	us-gaap	Preferred Stock Shares Authorized PreferredStockSharesAuthorized	200000000	shares
CY2022Q4	us-gaap	Preferred Stock Shares Issued PreferredStockSharesIssued	10700	shares
CY2023Q4	us-gaap	Preferred Stock Shares Issued PreferredStockSharesIssued	10700	shares
CY2022Q4	us-gaap	Preferred Stock Shares Outstanding PreferredStockSharesOutstanding	10700	shares
CY2023Q4	us-gaap	Preferred Stock Shares Outstanding PreferredStockSharesOutstanding	10700	shares
CY2023Q4	us-gaap	Preferred Stock Value PreferredStockValue	1056000000	usd
CY2022Q4	us-gaap	Preferred Stock Value PreferredStockValue	1056000000	usd
CY2023Q4	us-gaap	Additional Paid In Capital AdditionalPaidInCapital	4553000000	usd
CY2022Q4	us-gaap	Additional Paid In Capital AdditionalPaidInCapital	4468000000	usd
CY2023Q4	us-gaap	Retained Earnings Accumulated Deficit RetainedEarningsAccumulatedDeficit	30448000000	usd
CY2022Q4	us-gaap	Retained Earnings Accumulated Deficit RetainedEarningsAccumulatedDeficit	28207000000	usd
CY2023Q4	us-gaap	Accumulated Other Comprehensive Income Loss Net Of Tax AccumulatedOtherComprehensiveIncomeLossNetOfTax	-225000000	usd
CY2022Q4	us-gaap	Accumulated Other Comprehensive Income Loss Net Of Tax AccumulatedOtherComprehensiveIncomeLossNetOfTax	-339000000	usd
CY2023Q4	us-gaap	Treasury Stock Common Shares TreasuryStockCommonShares	320734860	shares
CY2022Q4	us-gaap	Treasury Stock Common Shares TreasuryStockCommonShares	302305216	shares
CY2023Q4	us-gaap	Treasury Stock Value TreasuryStockValue	21010000000	usd
CY2022Q4	us-gaap	Treasury Stock Value TreasuryStockValue	19054000000	usd
CY2023Q4	us-gaap	Stockholders Equity StockholdersEquity	14828000000	usd
CY2022Q4	us-gaap	Stockholders Equity StockholdersEquity	14344000000	usd
CY2023Q4	us-gaap	Liabilities And Stockholders Equity LiabilitiesAndStockholdersEquity	151522000000	usd
CY2022Q4	us-gaap	Liabilities And Stockholders Equity LiabilitiesAndStockholdersEquity	131706000000	usd
CY2022	us-gaap	Interest And Fee Income Loans Consumer Installment Credit Card InterestAndFeeIncomeLoansConsumerInstallmentCreditCard	10632000000	usd
CY2021	us-gaap	Interest And Fee Income Loans Consumer Installment Credit Card InterestAndFeeIncomeLoansConsumerInstallmentCreditCard	8717000000	usd
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CY2023	us-gaap	Interest Expense Short Term Borrowings InterestExpenseShortTermBorrowings	5000000	usd
CY2023	us-gaap	Interest Expense Long Term Debt InterestExpenseLongTermDebt	855000000	usd
CY2022	us-gaap	Interest Expense Long Term Debt InterestExpenseLongTermDebt	606000000	usd
CY2023	us-gaap	Interest Expense InterestExpense	4746000000	usd
CY2022	us-gaap	Interest Expense InterestExpense	1865000000	usd
CY2021	us-gaap	Interest Expense InterestExpense	1134000000	usd
CY2023	us-gaap	Interest Income Expense Net InterestIncomeExpenseNet	13099000000	usd
CY2022	us-gaap	Interest Income Expense Net InterestIncomeExpenseNet	10999000000	usd
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CY2022	us-gaap	Provision For Loan Lease And Other Losses ProvisionForLoanLeaseAndOtherLosses	2359000000	usd
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CY2023	dfs	Loanfeeincome Loanfeeincome	763000000	usd
CY2023	dfs	Transaction Processing Revenue TransactionProcessingRevenue	303000000	usd
CY2022	dfs	Transaction Processing Revenue TransactionProcessingRevenue	249000000	usd
CY2023	us-gaap	Equity Securities Fv Ni Gain Loss EquitySecuritiesFvNiGainLoss	-9000000	usd
CY2022	us-gaap	Equity Securities Fv Ni Gain Loss EquitySecuritiesFvNiGainLoss	-214000000	usd
CY2021	us-gaap	Equity Securities Fv Ni Gain Loss EquitySecuritiesFvNiGainLoss	424000000	usd
CY2023	us-gaap	Noninterest Income Other NoninterestIncomeOther	85000000	usd
CY2022	us-gaap	Noninterest Income Other NoninterestIncomeOther	75000000	usd
CY2021	us-gaap	Noninterest Income Other NoninterestIncomeOther	66000000	usd
CY2023	us-gaap	Noninterest Income NoninterestIncome	2761000000	usd
CY2022	us-gaap	Noninterest Income NoninterestIncome	2294000000	usd
CY2021	us-gaap	Noninterest Income NoninterestIncome	2534000000	usd
CY2023	us-gaap	Labor And Related Expense LaborAndRelatedExpense	2434000000	usd
CY2022	us-gaap	Labor And Related Expense LaborAndRelatedExpense	2139000000	usd
CY2021	us-gaap	Labor And Related Expense LaborAndRelatedExpense	1986000000	usd
CY2023	us-gaap	Marketing And Advertising Expense MarketingAndAdvertisingExpense	1164000000	usd
CY2022	us-gaap	Marketing And Advertising Expense MarketingAndAdvertisingExpense	1035000000	usd
CY2021	us-gaap	Marketing And Advertising Expense MarketingAndAdvertisingExpense	810000000	usd
CY2023	us-gaap	Communications And Information Technology CommunicationsAndInformationTechnology	608000000	usd
CY2021	us-gaap	Treasury Stock Value Acquired Cost Method TreasuryStockValueAcquiredCostMethod	2260000000	usd
CY2021	us-gaap	Stock Issued During Period Value Employee Benefit Plan StockIssuedDuringPeriodValueEmployeeBenefitPlan	9000000	usd
CY2022	us-gaap	Communications And Information Technology CommunicationsAndInformationTechnology	513000000	usd
CY2021	us-gaap	Communications And Information Technology CommunicationsAndInformationTechnology	500000000	usd
CY2023	us-gaap	Professional Fees ProfessionalFees	1041000000	usd
CY2022	us-gaap	Professional Fees ProfessionalFees	871000000	usd
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CY2023	us-gaap	Occupancy Net OccupancyNet	89000000	usd
CY2022	us-gaap	Occupancy Net OccupancyNet	118000000	usd
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CY2021	us-gaap	Other Noninterest Expense OtherNoninterestExpense	620000000	usd
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CY2021	us-gaap	Noninterest Expense NoninterestExpense	4805000000	usd
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CY2021	us-gaap	Net Income Loss Available To Common Stockholders Basic NetIncomeLossAvailableToCommonStockholdersBasic	5323000000	usd
CY2023	us-gaap	Earnings Per Share Basic EarningsPerShareBasic	11.27
CY2022	us-gaap	Earnings Per Share Basic EarningsPerShareBasic	15.45
CY2021	us-gaap	Earnings Per Share Basic EarningsPerShareBasic	17.75
CY2023	us-gaap	Earnings Per Share Diluted EarningsPerShareDiluted	11.26
CY2022	us-gaap	Earnings Per Share Diluted EarningsPerShareDiluted	15.44
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CY2021	us-gaap	Net Income Loss NetIncomeLoss	5422000000	usd
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CY2023	us-gaap	Other Comprehensive Income Defined Benefit Plans Adjustment Net Of Tax Portion Attributable To Parent OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPortionAttributableToParent	-9000000	usd
CY2022	us-gaap	Other Comprehensive Income Defined Benefit Plans Adjustment Net Of Tax Portion Attributable To Parent OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPortionAttributableToParent	-10000000	usd
CY2021	us-gaap	Other Comprehensive Income Defined Benefit Plans Adjustment Net Of Tax Portion Attributable To Parent OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPortionAttributableToParent	-28000000	usd
CY2023	us-gaap	Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent	114000000	usd
CY2022	us-gaap	Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent	-245000000	usd
CY2021	us-gaap	Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent	-139000000	usd
CY2023	us-gaap	Comprehensive Income Net Of Tax ComprehensiveIncomeNetOfTax	3054000000	usd
CY2022	us-gaap	Comprehensive Income Net Of Tax ComprehensiveIncomeNetOfTax	4129000000	usd
CY2021	us-gaap	Comprehensive Income Net Of Tax ComprehensiveIncomeNetOfTax	5283000000	usd
CY2020Q4	us-gaap	Stockholders Equity StockholdersEquity	10683000000	usd
CY2021	us-gaap	Other Comprehensive Income Loss Net Of Tax OtherComprehensiveIncomeLossNetOfTax	-139000000	usd
CY2021	us-gaap	Stock Issued During Period Value Share Based Compensation StockIssuedDuringPeriodValueShareBasedCompensation	103000000	usd
CY2021	us-gaap	Common Stock Dividends Per Share Declared CommonStockDividendsPerShareDeclared	1.88
CY2021	us-gaap	Dividends Common Stock DividendsCommonStock	569000000	usd
CY2021Q4	us-gaap	Stockholders Equity StockholdersEquity	13180000000	usd
CY2022	us-gaap	Net Income Loss NetIncomeLoss	4374000000	usd
CY2022	us-gaap	Other Comprehensive Income Loss Net Of Tax OtherComprehensiveIncomeLossNetOfTax	-245000000	usd
CY2022	us-gaap	Treasury Stock Value Acquired Cost Method TreasuryStockValueAcquiredCostMethod	2359000000	usd
CY2022	us-gaap	Stock Issued During Period Value Employee Benefit Plan StockIssuedDuringPeriodValueEmployeeBenefitPlan	10000000	usd
CY2022	us-gaap	Stock Issued During Period Value Share Based Compensation StockIssuedDuringPeriodValueShareBasedCompensation	89000000	usd
CY2022	us-gaap	Common Stock Dividends Per Share Declared CommonStockDividendsPerShareDeclared	2.30
CY2022	us-gaap	Dividends Common Stock DividendsCommonStock	643000000	usd
CY2023	us-gaap	Net Income Loss NetIncomeLoss	2940000000	usd
CY2023	us-gaap	Other Comprehensive Income Loss Net Of Tax OtherComprehensiveIncomeLossNetOfTax	114000000	usd
CY2023	us-gaap	Treasury Stock Value Acquired Cost Method TreasuryStockValueAcquiredCostMethod	1956000000	usd
CY2023	us-gaap	Stock Issued During Period Value Employee Benefit Plan StockIssuedDuringPeriodValueEmployeeBenefitPlan	11000000	usd
CY2023	us-gaap	Stock Issued During Period Value Share Based Compensation StockIssuedDuringPeriodValueShareBasedCompensation	74000000	usd
CY2023	us-gaap	Common Stock Dividends Per Share Declared CommonStockDividendsPerShareDeclared	2.70
CY2023	us-gaap	Dividends Common Stock DividendsCommonStock	689000000	usd
CY2023Q4	us-gaap	Stockholders Equity StockholdersEquity	14828000000	usd
CY2023	us-gaap	Net Income Loss NetIncomeLoss	2940000000	usd
CY2022	us-gaap	Net Income Loss NetIncomeLoss	4374000000	usd
CY2021	us-gaap	Net Income Loss NetIncomeLoss	5422000000	usd
CY2023	us-gaap	Provision For Loan Lease And Other Losses ProvisionForLoanLeaseAndOtherLosses	6018000000	usd
CY2022	us-gaap	Provision For Loan Lease And Other Losses ProvisionForLoanLeaseAndOtherLosses	2359000000	usd
CY2021	us-gaap	Provision For Loan Lease And Other Losses ProvisionForLoanLeaseAndOtherLosses	218000000	usd
CY2023	us-gaap	Deferred Income Tax Expense Benefit DeferredIncomeTaxExpenseBenefit	-626000000	usd
CY2022	us-gaap	Deferred Income Tax Expense Benefit DeferredIncomeTaxExpenseBenefit	-433000000	usd
CY2021	us-gaap	Deferred Income Tax Expense Benefit DeferredIncomeTaxExpenseBenefit	318000000	usd
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CY2022	us-gaap	Other Depreciation And Amortization OtherDepreciationAndAmortization	561000000	usd
CY2021	us-gaap	Other Depreciation And Amortization OtherDepreciationAndAmortization	531000000	usd
CY2023	dfs	Amortizationofdeferredrevenuesandaccretionofaccretableyieldonacquiredloans Amortizationofdeferredrevenuesandaccretionofaccretableyieldonacquiredloans	468000000	usd
CY2022	dfs	Amortizationofdeferredrevenuesandaccretionofaccretableyieldonacquiredloans Amortizationofdeferredrevenuesandaccretionofaccretableyieldonacquiredloans	365000000	usd
CY2021	dfs	Amortizationofdeferredrevenuesandaccretionofaccretableyieldonacquiredloans Amortizationofdeferredrevenuesandaccretionofaccretableyieldonacquiredloans	295000000	usd
CY2023	us-gaap	Gain Loss On Disposition Of Assets1 GainLossOnDispositionOfAssets1	-50000000	usd
CY2022	us-gaap	Gain Loss On Disposition Of Assets1 GainLossOnDispositionOfAssets1	-261000000	usd
CY2021	us-gaap	Gain Loss On Disposition Of Assets1 GainLossOnDispositionOfAssets1	382000000	usd
CY2023	us-gaap	Other Operating Activities Cash Flow Statement OtherOperatingActivitiesCashFlowStatement	110000000	usd
CY2022	us-gaap	Other Operating Activities Cash Flow Statement OtherOperatingActivitiesCashFlowStatement	125000000	usd
CY2021	us-gaap	Other Operating Activities Cash Flow Statement OtherOperatingActivitiesCashFlowStatement	257000000	usd
CY2023	us-gaap	Increase Decrease In Other Operating Assets IncreaseDecreaseInOtherOperatingAssets	658000000	usd
CY2022	us-gaap	Increase Decrease In Other Operating Assets IncreaseDecreaseInOtherOperatingAssets	846000000	usd
CY2021	us-gaap	Increase Decrease In Other Operating Assets IncreaseDecreaseInOtherOperatingAssets	496000000	usd
CY2023	us-gaap	Increase Decrease In Other Operating Liabilities IncreaseDecreaseInOtherOperatingLiabilities	739000000	usd
CY2022	us-gaap	Increase Decrease In Other Operating Liabilities IncreaseDecreaseInOtherOperatingLiabilities	1104000000	usd
CY2021	us-gaap	Increase Decrease In Other Operating Liabilities IncreaseDecreaseInOtherOperatingLiabilities	446000000	usd
CY2023	us-gaap	Net Cash Provided By Used In Operating Activities NetCashProvidedByUsedInOperatingActivities	8563000000	usd
CY2022	us-gaap	Net Cash Provided By Used In Operating Activities NetCashProvidedByUsedInOperatingActivities	7140000000	usd
CY2021	us-gaap	Net Cash Provided By Used In Operating Activities NetCashProvidedByUsedInOperatingActivities	6019000000	usd
CY2023	us-gaap	Proceeds From Maturities Prepayments And Calls Of Shortterm Investments ProceedsFromMaturitiesPrepaymentsAndCallsOfShorttermInvestments	0	usd
CY2022	us-gaap	Proceeds From Maturities Prepayments And Calls Of Shortterm Investments ProceedsFromMaturitiesPrepaymentsAndCallsOfShorttermInvestments	0	usd
CY2021	us-gaap	Proceeds From Maturities Prepayments And Calls Of Shortterm Investments ProceedsFromMaturitiesPrepaymentsAndCallsOfShorttermInvestments	2200000000	usd
CY2023	us-gaap	Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities	1831000000	usd
CY2022	us-gaap	Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities	2084000000	usd
CY2021	us-gaap	Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities	2727000000	usd
CY2023	us-gaap	Payments To Acquire Available For Sale Securities Debt PaymentsToAcquireAvailableForSaleSecuritiesDebt	2996000000	usd
CY2022	us-gaap	Payments To Acquire Available For Sale Securities Debt PaymentsToAcquireAvailableForSaleSecuritiesDebt	7682000000	usd
CY2021	us-gaap	Payments To Acquire Available For Sale Securities Debt PaymentsToAcquireAvailableForSaleSecuritiesDebt	9000000	usd
CY2023	us-gaap	Proceeds From Maturities Prepayments And Calls Of Held To Maturity Securities ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities	16000000	usd
CY2022	us-gaap	Proceeds From Maturities Prepayments And Calls Of Held To Maturity Securities ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities	32000000	usd
CY2021	us-gaap	Proceeds From Maturities Prepayments And Calls Of Held To Maturity Securities ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities	82000000	usd
CY2023	us-gaap	Payments To Acquire Held To Maturity Securities PaymentsToAcquireHeldToMaturitySecurities	49000000	usd
CY2022	us-gaap	Payments To Acquire Held To Maturity Securities PaymentsToAcquireHeldToMaturitySecurities	50000000	usd
CY2021	us-gaap	Payments To Acquire Held To Maturity Securities PaymentsToAcquireHeldToMaturitySecurities	28000000	usd
CY2023	us-gaap	Payments For Proceeds From Loans Receivable PaymentsForProceedsFromLoansReceivable	19934000000	usd
CY2022	us-gaap	Payments For Proceeds From Loans Receivable PaymentsForProceedsFromLoansReceivable	19961000000	usd
CY2021	us-gaap	Payments For Proceeds From Loans Receivable PaymentsForProceedsFromLoansReceivable	4574000000	usd
CY2023	us-gaap	Proceeds From Sale Of Available For Sale Securities Debt ProceedsFromSaleOfAvailableForSaleSecuritiesDebt	0	usd
CY2022	us-gaap	Proceeds From Sale Of Available For Sale Securities Debt ProceedsFromSaleOfAvailableForSaleSecuritiesDebt	0	usd
CY2021	us-gaap	Proceeds From Sale Of Available For Sale Securities Debt ProceedsFromSaleOfAvailableForSaleSecuritiesDebt	5000000	usd
CY2023	us-gaap	Proceeds From Sale And Maturity Of Other Investments ProceedsFromSaleAndMaturityOfOtherInvestments	44000000	usd
CY2022	us-gaap	Proceeds From Sale And Maturity Of Other Investments ProceedsFromSaleAndMaturityOfOtherInvestments	336000000	usd
CY2021	us-gaap	Proceeds From Sale And Maturity Of Other Investments ProceedsFromSaleAndMaturityOfOtherInvestments	1000000	usd
CY2023	us-gaap	Payments To Acquire Other Investments PaymentsToAcquireOtherInvestments	100000000	usd
CY2022	us-gaap	Payments To Acquire Other Investments PaymentsToAcquireOtherInvestments	169000000	usd
CY2021	us-gaap	Payments To Acquire Other Investments PaymentsToAcquireOtherInvestments	170000000	usd
CY2023	us-gaap	Proceeds From Sale Of Property Plant And Equipment ProceedsFromSaleOfPropertyPlantAndEquipment	0	usd
CY2022	us-gaap	Proceeds From Sale Of Property Plant And Equipment ProceedsFromSaleOfPropertyPlantAndEquipment	9000000	usd
CY2021	us-gaap	Proceeds From Sale Of Property Plant And Equipment ProceedsFromSaleOfPropertyPlantAndEquipment	0	usd
CY2023	us-gaap	Payments To Acquire Property Plant And Equipment PaymentsToAcquirePropertyPlantAndEquipment	303000000	usd
CY2022	us-gaap	Payments To Acquire Property Plant And Equipment PaymentsToAcquirePropertyPlantAndEquipment	236000000	usd
CY2021	us-gaap	Payments To Acquire Property Plant And Equipment PaymentsToAcquirePropertyPlantAndEquipment	194000000	usd
CY2023	us-gaap	Net Cash Provided By Used In Investing Activities NetCashProvidedByUsedInInvestingActivities	-21491000000	usd
CY2022	us-gaap	Net Cash Provided By Used In Investing Activities NetCashProvidedByUsedInInvestingActivities	-25637000000	usd
CY2021	us-gaap	Net Cash Provided By Used In Investing Activities NetCashProvidedByUsedInInvestingActivities	40000000	usd
CY2023	us-gaap	Proceeds From Repayments Of Short Term Debt ProceedsFromRepaymentsOfShortTermDebt	750000000	usd
CY2022	us-gaap	Proceeds From Repayments Of Short Term Debt ProceedsFromRepaymentsOfShortTermDebt	-1750000000	usd
CY2021	us-gaap	Proceeds From Repayments Of Short Term Debt ProceedsFromRepaymentsOfShortTermDebt	1750000000	usd
CY2023	us-gaap	Increase Decrease In Deposits IncreaseDecreaseInDeposits	17250000000	usd
CY2022	us-gaap	Increase Decrease In Deposits IncreaseDecreaseInDeposits	19208000000	usd
CY2021	us-gaap	Increase Decrease In Deposits IncreaseDecreaseInDeposits	-4533000000	usd
CY2023	us-gaap	Proceeds From Issuance Of Secured Debt ProceedsFromIssuanceOfSecuredDebt	2230000000	usd
CY2022	us-gaap	Proceeds From Issuance Of Secured Debt ProceedsFromIssuanceOfSecuredDebt	5620000000	usd
CY2021	us-gaap	Proceeds From Issuance Of Secured Debt ProceedsFromIssuanceOfSecuredDebt	1727000000	usd
CY2023	us-gaap	Repayments Of Secured Debt RepaymentsOfSecuredDebt	1494000000	usd
CY2022	us-gaap	Repayments Of Secured Debt RepaymentsOfSecuredDebt	4395000000	usd
CY2021	us-gaap	Repayments Of Secured Debt RepaymentsOfSecuredDebt	3451000000	usd
CY2023	us-gaap	Proceeds From Issuance Of Unsecured Debt ProceedsFromIssuanceOfUnsecuredDebt	2041000000	usd
CY2022	us-gaap	Proceeds From Issuance Of Unsecured Debt ProceedsFromIssuanceOfUnsecuredDebt	1265000000	usd
CY2021	us-gaap	Proceeds From Issuance Of Unsecured Debt ProceedsFromIssuanceOfUnsecuredDebt	0	usd
CY2023	us-gaap	Repayments Of Unsecured Debt RepaymentsOfUnsecuredDebt	2340000000	usd
CY2022	us-gaap	Repayments Of Unsecured Debt RepaymentsOfUnsecuredDebt	834000000	usd
CY2021	us-gaap	Repayments Of Unsecured Debt RepaymentsOfUnsecuredDebt	922000000	usd
CY2023	us-gaap	Proceeds From Issuance Of Common Stock ProceedsFromIssuanceOfCommonStock	12000000	usd
CY2022	us-gaap	Proceeds From Issuance Of Common Stock ProceedsFromIssuanceOfCommonStock	10000000	usd
CY2021	us-gaap	Proceeds From Issuance Of Common Stock ProceedsFromIssuanceOfCommonStock	9000000	usd
CY2023	us-gaap	Payments Of Ordinary Dividends PaymentsOfOrdinaryDividends	752000000	usd
CY2022	us-gaap	Payments Of Ordinary Dividends PaymentsOfOrdinaryDividends	703000000	usd
CY2021	us-gaap	Payments Of Ordinary Dividends PaymentsOfOrdinaryDividends	636000000	usd
CY2023	us-gaap	Payments For Repurchase Of Common Stock PaymentsForRepurchaseOfCommonStock	1938000000	usd
CY2022	us-gaap	Payments For Repurchase Of Common Stock PaymentsForRepurchaseOfCommonStock	2359000000	usd
CY2021	us-gaap	Payments For Repurchase Of Common Stock PaymentsForRepurchaseOfCommonStock	2260000000	usd
CY2023	us-gaap	Net Cash Provided By Used In Financing Activities NetCashProvidedByUsedInFinancingActivities	15759000000	usd
CY2022	us-gaap	Net Cash Provided By Used In Financing Activities NetCashProvidedByUsedInFinancingActivities	16062000000	usd
CY2021	us-gaap	Net Cash Provided By Used In Financing Activities NetCashProvidedByUsedInFinancingActivities	-8316000000	usd
CY2023	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Excluding Exchange Rate Effect CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect	2831000000	usd
CY2022	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Excluding Exchange Rate Effect CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect	-2435000000	usd
CY2021	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Excluding Exchange Rate Effect CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect	-2257000000	usd
CY2022Q4	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents	8897000000	usd
CY2021Q4	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents	11332000000	usd
CY2020Q4	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents	13589000000	usd
CY2023Q4	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents	11728000000	usd
CY2022Q4	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents	8897000000	usd
CY2021Q4	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents	11332000000	usd
CY2023Q4	us-gaap	Cash And Cash Equivalents At Carrying Value CashAndCashEquivalentsAtCarryingValue	11685000000	usd
CY2022Q4	us-gaap	Cash And Cash Equivalents At Carrying Value CashAndCashEquivalentsAtCarryingValue	8856000000	usd
CY2021Q4	us-gaap	Cash And Cash Equivalents At Carrying Value CashAndCashEquivalentsAtCarryingValue	8750000000	usd
CY2023Q4	us-gaap	Restricted Cash And Cash Equivalents RestrictedCashAndCashEquivalents	43000000	usd
CY2022Q4	us-gaap	Restricted Cash And Cash Equivalents RestrictedCashAndCashEquivalents	41000000	usd
CY2021Q4	us-gaap	Restricted Cash And Cash Equivalents RestrictedCashAndCashEquivalents	2582000000	usd
CY2023Q4	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents	11728000000	usd
CY2022Q4	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents	8897000000	usd
CY2021Q4	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents	11332000000	usd
CY2023	us-gaap	Interest Paid Net InterestPaidNet	4508000000	usd
CY2022	us-gaap	Interest Paid Net InterestPaidNet	1666000000	usd
CY2021	us-gaap	Interest Paid Net InterestPaidNet	1077000000	usd
CY2023	us-gaap	Income Taxes Paid Net IncomeTaxesPaidNet	1605000000	usd
CY2022	us-gaap	Income Taxes Paid Net IncomeTaxesPaidNet	1865000000	usd
CY2021	us-gaap	Income Taxes Paid Net IncomeTaxesPaidNet	1305000000	usd
CY2023	us-gaap	Number Of Reportable Segments NumberOfReportableSegments	2	segment
CY2023	us-gaap	Use Of Estimates UseOfEstimates	The preparation of financial statements in conformity with GAAP requires the Company to make estimates and assumptions that affect the amounts reported in the consolidated financial statements and related disclosures. These estimates are based on information available as of the date of the consolidated financial statements. The Company believes that the estimates used in the preparation of the consolidated financial statements are reasonable. Actual results could differ from these estimates.<div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Futura LT Medium',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Certain prior year amounts have been reclassified to conform to the current year presentation. These reclassifications had no impact on the Company’s consolidated financial condition, results of operations or changes in stockholders’ equity.</span></div>
CY2023	dfs	Consolidation Percentage ConsolidationPercentage	0.50
CY2023	dfs	Consolidation Percentage ConsolidationPercentage	0.50
CY2023	dfs	Cost Method Ownership Percentage CostMethodOwnershipPercentage	0.20
CY2023Q4	us-gaap	Cash And Due From Banks CashAndDueFromBanks	2000000000	usd
CY2022Q4	us-gaap	Cash And Due From Banks CashAndDueFromBanks	1500000000	usd
CY2023Q4	us-gaap	Interest Bearing Deposits In Banks InterestBearingDepositsInBanks	9700000000	usd
CY2022Q4	us-gaap	Interest Bearing Deposits In Banks InterestBearingDepositsInBanks	7400000000	usd
CY2023	dfs	Bankruptcy And Probate Charge Off Period BankruptcyAndProbateChargeOffPeriod	P60D
CY2023	dfs	Fraudulent Transaction Charge Off Period FraudulentTransactionChargeOffPeriod	P90D
CY2023Q4	us-gaap	Off Balance Sheet Credit Loss Liability OffBalanceSheetCreditLossLiability	0	usd
CY2023Q4	us-gaap	Capitalized Computer Software Gross CapitalizedComputerSoftwareGross	0	usd
CY2023	us-gaap	Advertising Expense AdvertisingExpense	359000000	usd
CY2022	us-gaap	Advertising Expense AdvertisingExpense	307000000	usd
CY2021	us-gaap	Advertising Expense AdvertisingExpense	262000000	usd
CY2023	us-gaap	Revenue Recognition Interest RevenueRecognitionInterest	<div style="margin-bottom:5pt;margin-top:15pt"><span style="color:#000000;font-family:'Futura LT Medium',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Significant Revenue Recognition Accounting Policies</span></div><div style="margin-bottom:5pt;margin-top:5pt"><span style="color:#000000;font-family:'Futura LT Medium',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Loan Interest and Fee Income</span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Futura LT Medium',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Interest on loans is composed largely of interest on credit card loans and is recognized based on the amount of loans outstanding and their contractual interest rate. Interest on credit card loans is included in loan receivables when billed to the customer. The Company accrues unbilled interest revenue each month from a customer’s billing cycle date to the end of the month. The Company applies an estimate of the percentage of loans that will revolve in the next cycle in the estimation of the accrued unbilled portion of interest revenue that is included in other assets on the consolidated statements of financial condition. Interest on other loan receivables is accrued each month in accordance with their contractual terms and recorded in other assets in the consolidated statements of financial condition.</span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Futura LT Medium',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company recognizes fees (except balance transfer fees and certain product fees) on loan receivables in interest income or loan fee income as the fees are assessed. Balance transfer fees and certain product fees are recognized in interest income or loan fee income ratably over the periods to which they relate. Balance transfer fees are accreted to interest income over the estimated life of the related balance. As of December 31, 2023 and 2022, deferred revenues related to balance transfer fees, recorded as a reduction of loan receivables, were $107 million and $85 million, respectively. Loan fee income consists of fees on credit card loans and includes late, cash advance, returned check and other miscellaneous fees and is reflected net of waivers and charge-offs.</span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Futura LT Medium',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Direct loan origination costs on credit card loans are deferred and amortized on a straight-line basis over a one year period and recorded in interest income from credit card loans. Direct loan origination costs on other loan receivables are deferred and amortized over the life of the loan using the interest method and are recorded in interest income from other loans. As of December 31, 2023 and 2022, the remaining unamortized deferred costs related to loan origination were $306 million and $298 million, respectively, and were recorded in loan receivables.</span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Futura LT Medium',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company accrues interest and fees on credit card and closed-end loan receivables until the loans are paid or charged off, except in instances of customer bankruptcy, death or suspected fraud, where no further interest and fee accruals occur following notification. Upon completion of the fraud investigation, non-fraudulent credit card and closed-end consumer loan receivables may resume accruing interest. Payments received on non-accrual loans are allocated </span></div><div style="margin-bottom:10pt"><span style="color:#000000;font-family:'Futura LT Medium',sans-serif;font-size:10pt;font-weight:400;line-height:120%">according to the same payment hierarchy applied to loans that are accruing interest. When loan receivables are charged off, unpaid accrued interest and fees are reversed against the income line items in which they were originally recorded in the consolidated statements of income. Charge-offs and recoveries of amounts that relate to capitalized interest on private student loans are treated as principal charge-offs and recoveries, affecting the provision for credit losses rather than interest income. The Company considers uncollectible interest and fee revenues in assessing the adequacy of the allowance for credit losses.</span></div><div style="text-indent:27pt"><span style="color:#000000;font-family:'Futura LT Medium',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Interest income from loans disclosed as modifications to borrowers experiencing financial difficulty is accounted for in the same manner as other accruing loans. Cash collections on these loans are allocated according to the same payment hierarchy applied to loans that have not been modified.</span></div>
CY2023Q4	us-gaap	Deferred Discounts Finance Charges And Interest Included In Receivables DeferredDiscountsFinanceChargesAndInterestIncludedInReceivables	107000000	usd
CY2022Q4	us-gaap	Deferred Discounts Finance Charges And Interest Included In Receivables DeferredDiscountsFinanceChargesAndInterestIncludedInReceivables	85000000	usd
CY2023Q4	us-gaap	Deferred Costs Credit Card Origination Costs Amount DeferredCostsCreditCardOriginationCostsAmount	306000000	usd
CY2022Q4	us-gaap	Deferred Costs Credit Card Origination Costs Amount DeferredCostsCreditCardOriginationCostsAmount	298000000	usd
CY2023	dfs	Credit Card Rewards Cost Adjusted For Estimated Forfeitures CreditCardRewardsCostAdjustedForEstimatedForfeitures	3100000000	usd
CY2022	dfs	Credit Card Rewards Cost Adjusted For Estimated Forfeitures CreditCardRewardsCostAdjustedForEstimatedForfeitures	3000000000	usd
CY2021	dfs	Credit Card Rewards Cost Adjusted For Estimated Forfeitures CreditCardRewardsCostAdjustedForEstimatedForfeitures	2500000000	usd
CY2023Q4	dfs	Credit Card Rewards Liability Net CreditCardRewardsLiabilityNet	2200000000	usd
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CY2022	us-gaap	Other Comprehensive Income Loss Available For Sale Securities Tax OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax	-81000000	usd
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CY2022	us-gaap	Other Comprehensive Income Loss Cash Flow Hedge Gain Loss Reclassification Before Tax OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax	-4000000	usd
CY2022	us-gaap	Other Comprehensive Income Loss Cash Flow Hedge Gain Loss Reclassification Tax OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationTax	1000000	usd
CY2022	us-gaap	Other Comprehensive Income Loss Cash Flow Hedge Gain Loss Reclassification After Tax OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationAfterTax	-5000000	usd
CY2022	us-gaap	Other Comprehensive Income Loss Cash Flow Hedge Gain Loss After Reclassification Before Tax OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationBeforeTax	-9000000	usd
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CY2021	us-gaap	Other Comprehensive Income Loss Cash Flow Hedge Gain Loss Before Reclassification After Tax OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAfterTax	0	usd
CY2021	us-gaap	Other Comprehensive Income Loss Cash Flow Hedge Gain Loss Reclassification Before Tax OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax	-3000000	usd
CY2021	us-gaap	Other Comprehensive Income Loss Cash Flow Hedge Gain Loss Reclassification Tax OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationTax	0	usd
CY2021	us-gaap	Other Comprehensive Income Loss Cash Flow Hedge Gain Loss Reclassification After Tax OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationAfterTax	-3000000	usd
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CY2021	us-gaap	Other Comprehensive Income Loss Cash Flow Hedge Gain Loss After Reclassification And Tax OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTax	3000000	usd
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CY2021	us-gaap	Other Comprehensive Income Loss Pension And Other Postretirement Benefit Plans Before Reclassification Adjustments Tax OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansBeforeReclassificationAdjustmentsTax	-9000000	usd
CY2021	us-gaap	Other Comprehensive Income Loss Pension And Other Postretirement Benefit Plans Adjustment Before Reclassification Adjustments Net Of Tax OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeReclassificationAdjustmentsNetOfTax	-28000000	usd
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CY2021	us-gaap	Other Comprehensive Income Loss Pension And Other Postretirement Benefit Plans Tax OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansTax	-9000000	usd
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CY2022	us-gaap	Other Noninterest Expense OtherNoninterestExpense	540000000	usd
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CY2022	us-gaap	Current Federal Tax Expense Benefit CurrentFederalTaxExpenseBenefit	1465000000	usd
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CY2021	us-gaap	Effective Income Tax Rate Reconciliation At Federal Statutory Income Tax Rate EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate	0.210
CY2023	us-gaap	Effective Income Tax Rate Reconciliation State And Local Income Taxes EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes	0.035
CY2022	us-gaap	Effective Income Tax Rate Reconciliation State And Local Income Taxes EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes	0.034
CY2021	us-gaap	Effective Income Tax Rate Reconciliation State And Local Income Taxes EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes	0.032
CY2023	us-gaap	Effective Income Tax Rate Reconciliation Tax Credits EffectiveIncomeTaxRateReconciliationTaxCredits	0.020
CY2022	us-gaap	Effective Income Tax Rate Reconciliation Tax Credits EffectiveIncomeTaxRateReconciliationTaxCredits	0.013
CY2021	us-gaap	Effective Income Tax Rate Reconciliation Tax Credits EffectiveIncomeTaxRateReconciliationTaxCredits	0.012
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CY2022	us-gaap	Effective Income Tax Rate Reconciliation Other Adjustments EffectiveIncomeTaxRateReconciliationOtherAdjustments	0.004
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CY2022	us-gaap	Effective Income Tax Rate Continuing Operations EffectiveIncomeTaxRateContinuingOperations	0.235
CY2021	us-gaap	Effective Income Tax Rate Continuing Operations EffectiveIncomeTaxRateContinuingOperations	0.229
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CY2022Q4	dfs	Deferred Tax Assets Customer Fees And Rewards DeferredTaxAssetsCustomerFeesAndRewards	166000000	usd
CY2023Q4	us-gaap	Deferred Tax Assets Property Plant And Equipment DeferredTaxAssetsPropertyPlantAndEquipment	60000000	usd
CY2022Q4	us-gaap	Deferred Tax Assets Property Plant And Equipment DeferredTaxAssetsPropertyPlantAndEquipment	0	usd
CY2023Q4	us-gaap	Deferred Tax Assets Other DeferredTaxAssetsOther	203000000	usd
CY2022Q4	us-gaap	Deferred Tax Assets Other DeferredTaxAssetsOther	270000000	usd
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CY2023	us-gaap	Number Of Reportable Segments NumberOfReportableSegments	2	segment
CY2023	us-gaap	Interest And Dividend Income Operating InterestAndDividendIncomeOperating	17845000000	usd
CY2023	us-gaap	Interest Expense InterestExpense	4746000000	usd
CY2023	us-gaap	Interest Income Expense Net InterestIncomeExpenseNet	13099000000	usd
CY2023	us-gaap	Provision For Loan Lease And Other Losses ProvisionForLoanLeaseAndOtherLosses	6018000000	usd
CY2023	us-gaap	Noninterest Income NoninterestIncome	2761000000	usd
CY2023	us-gaap	Noninterest Expense NoninterestExpense	6016000000	usd
CY2023	us-gaap	Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest	3826000000	usd
CY2022	us-gaap	Interest And Dividend Income Operating InterestAndDividendIncomeOperating	12864000000	usd
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CY2022	dfs	Customer Rewardsand Issuer Interchange CustomerRewardsandIssuerInterchange	3000000000	usd
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CY2023	us-gaap	Interest Expense Domestic Deposit Liabilities Withdrawal Penalties InterestExpenseDomesticDepositLiabilitiesWithdrawalPenalties	15000000	usd
CY2022	us-gaap	Interest Expense Domestic Deposit Liabilities Withdrawal Penalties InterestExpenseDomesticDepositLiabilitiesWithdrawalPenalties	10000000	usd
CY2021	us-gaap	Interest Expense Domestic Deposit Liabilities Withdrawal Penalties InterestExpenseDomesticDepositLiabilitiesWithdrawalPenalties	2000000	usd
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CY2022Q4	us-gaap	Liabilities And Stockholders Equity LiabilitiesAndStockholdersEquity	131706000000	usd
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CY2021	dfs	Discount And Interchange Revenue DiscountAndInterchangeRevenue	1188000000	usd
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CY2021	us-gaap	Noninterest Income NoninterestIncome	2534000000	usd
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CY2021	us-gaap	Other Noninterest Expense OtherNoninterestExpense	620000000	usd
CY2022	us-gaap	Noninterest Expense NoninterestExpense	5216000000	usd
CY2021	us-gaap	Noninterest Expense NoninterestExpense	4805000000	usd
CY2022	us-gaap	Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest	5718000000	usd
CY2021	us-gaap	Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest	7028000000	usd
CY2022	us-gaap	Income Tax Expense Benefit IncomeTaxExpenseBenefit	1344000000	usd
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CY2021	us-gaap	Net Income Loss NetIncomeLoss	5422000000	usd
CY2022	us-gaap	Net Income Loss Available To Common Stockholders Basic NetIncomeLossAvailableToCommonStockholdersBasic	4286000000	usd
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CY2022	us-gaap	Earnings Per Share Basic EarningsPerShareBasic	15.45
CY2021	us-gaap	Earnings Per Share Basic EarningsPerShareBasic	17.75
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CY2021	us-gaap	Earnings Per Share Diluted EarningsPerShareDiluted	17.74
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CY2021Q4	us-gaap	Stockholders Equity StockholdersEquity	13180000000	usd
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CY2021	us-gaap	Increase Decrease In Other Operating Liabilities IncreaseDecreaseInOtherOperatingLiabilities	446000000	usd
CY2022	us-gaap	Net Cash Provided By Used In Operating Activities NetCashProvidedByUsedInOperatingActivities	7140000000	usd
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CY2023	dei	Auditor Firm AuditorFirmId	34

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2024 Q1 Form 10-K Financial Statement

#000139361224000010 Filed on February 23, 2024

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$DFS Discover Financial Services Stock $dfs

2024 Q1 Form 10-K Financial Statement

#000139361224000010 Filed on February 23, 2024

Income Statement

Balance Sheet

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Facts In Submission

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$DFS
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