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Lender stress: Discover Financial Services
No active listing. Three public records about this lender, one panel each. They are not combined: each has its own source, date and caveat.
The three records are reported separately and measure different things. Showing them together does not mean one explains another. Information, not investment advice.
Bank card and auto loans at Discover Financial Services
Q1 2025Past-due and charge-off rates on credit card and auto loans of the banks Discover Financial Services owns, from FDIC call reports
US bank subsidiaries Q1 2025: card past due 3.54%, auto past due —. Banks: DISCOVER BANK.
| Quarter | Card loans | Card past due | Card charge-offs | Auto loans | Auto past due | Auto charge-offs |
|---|---|---|---|---|---|---|
| Q1 2025 | $98.9B | 3.54% | 5.45% | — | — | — |
| Q4 2024 | $103B | 3.73% | 4.97% | — | — | — |
| Q3 2024 | $100B | 3.74% | 5.31% | — | — | — |
| Q2 2024 | $99.9B | 3.59% | 5.49% | — | — | — |
| Q1 2024 | $99.3B | 3.72% | 5.68% | — | — | — |
| Q4 2023 | $102B | 3.77% | 4.60% | — | — | — |
| Q3 2023 | $97.2B | 3.28% | 4.00% | — | — | — |
| Q2 2023 | $93.8B | 2.69% | 3.59% | — | — | — |
Source: FDIC call reports (FDIC BankFind), quarter ended 2025-03-31. These are the figures of the lender's US bank subsidiaries, as filed with the FDIC, not of the holding company's whole business. A lender can hold part of its card or auto loans outside its banks. Past due means 30 or more days; charge-offs are the quarter's net charge-offs times four, over loans.
Credit card metrics at Discover Financial Services
Apr 2025Monthly charge-offs and late payments on credit card loans, from Discover Financial Services's own reports and the card trusts it sponsors, filed with the SEC
Discover (to April 2025) Issuer-wide Earlier series, reported to Apr 2025
Apr 2025: net charge-offs 5.04% (-0.6 pp against a year earlier), 30+ days late 3.5%(-0.2 pp), loans $99.5B. Discover's card loans. Discover was acquired by Capital One on May 18, 2025 and stopped filing these reports.
| Month | Net charge-offs | 30+ days late | Loans |
|---|---|---|---|
| Apr 2025 | 5.04% | 3.5% | $99.5B |
| Mar 2025 | 4.94% | 3.66% | $99.0B |
| Feb 2025 | 6.03% | 3.78% | $99.2B |
| Jan 2025 | 5.48% | 3.87% | $101B |
| Dec 2024 | 5.41% | 3.84% | $103B |
| Nov 2024 | 5.37% | 3.87% | $101B |
| Oct 2024 | 4.31% | 3.87% | $101B |
| Sep 2024 | 5.36% | 3.84% | $101B |
| Aug 2024 | 5.22% | 3.79% | $101B |
| Jul 2024 | 5.28% | 3.73% | $101B |
| Jun 2024 | 5.67% | 3.69% | $100B |
| May 2024 | 5.38% | 3.65% | $99.8B |
| Apr 2024 | 5.6% | 3.72% | $99.7B |
Discover's total credit card portfolio, as Discover reported it (not the Discover Card trusts). Net principal charge-off rate is annualized net principal charge-offs over average loans; the delinquency rate is loans 30 or more days delinquent over ending loans. Discover was acquired by Capital One on May 18, 2025 and stopped filing this report after April 2025.
- Discover (to April 2025): not reported after Apr 2025; see the series that continues it, if any.
Source: the issuers' and trusts' filings with the SEC (Forms 8-K and 10-D), newest month Apr 2025. US public records (SEC EDGAR), public domain. Percentages are as each issuer reports them. Definitions differ between issuers and between a trust and its issuer. Not investment advice.
Consumer complaints at Discover Financial Services
Complaints to the CFPB about the company
Not reported for this lender.
Information, not investment advice (disclaimer). All lenders.