DISCOVERFINANCIALSERVICES
|
|
- Bryce Moody
- 5 years ago
- Views:
Transcription
1 UNITEDSTATES SECURITIESANDEXCHANGECOMMISSION Washington,D.C Form8-K CurrentReport PursuanttoSection13or15(d) ofthesecuritiesexchangeactof1934 DateofReport(Dateofearliesteventreported):June15,2017 DISCOVERFINANCIALSERVICES (Exactnameofregistrantasspecifiedinitscharter) CommissionFileNumber: Delaware (Stateorotherjurisdiction (IRSEmployer ofincorporation) IdentificationNo.) 2500LakeCookRoad,Riverwoods,Illinois60015 (Addressofprincipalexecutiveoffices,includingzipcode) (224) (Registrant stelephonenumber,includingareacode) N/A (Formernameorformeraddress,ifchangedsincelastreport) 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 ) Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR a-12) Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR d-2(b)) Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR e-4(c)) Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 ( of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 ( b-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
2 Item7.01 RegulationFDDisclosure. Discover Financial Services ( Discover ) previously announced that David Nelms, chairman and chief executive officer of Discover, will present at the William Blair 2017 Growth Stock Conference in Chicago on Thursday, June 15, 2017, at 8:00 a.m. CT. A link to the listen-only live audio webcast will be posted on the day of the conference to Discover s Investor Relations website at A replay will be available for 90 days after the conference at the same website address. The presentation is included as Exhibit 99.1 hereto and incorporated by reference into this Item The information contained in this Item 7.01 of this Current Report on Form 8-K, including Exhibit 99.1, is furnished pursuant to Item 7.01 of Form 8-K and shall not be deemed to be filed or 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. Item9.01 (d)exhibits FinancialStatementsandExhibits. Exhibit No. Description 99.1 Discover Financial Services William Blair 2017 Growth Stock Conference Presentation dated June 15, 2017.
3 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. DISCOVERFINANCIALSERVICES Dated: June 15, 2017 By: /s/ D. Christopher Greene Name: D. Christopher Greene Title: Vice President, Deputy General Counsel and Assistant Secretary
4 ExhibitIndex Exhibit Number Description 99.1 Discover Financial Services William Blair 2017 Growth Stock Conference Presentation dated June 15, 2017
5 William Blair 37th Annual Growth Stock Conference David Nelms Chairman & Chief Executive Officer June 15, DISCOVER FINANCIAL SERVICES Exhibit 99.1
6 Notice Checking, The following Discover slides it, Freeze are part ItSM, of a Discover presentation Network by Discover and Diners Financial Club Services International. (the "Company") All other and trademarks, are intended trade to names be viewed and service as part marks of that included presentation. in this No representation are the is made property that the of their information respective in these owners. slides is complete. This presentation is available on the Company s website ( and the SEC s website ( Throughout these materials, direct-to-consumer deposits are referred to as DTC deposits or direct deposits. DTC, or direct, deposits are deposit products that we offer to customers through direct marketing, internet origination and affinity relationships. DTC, or direct, deposits include certificates of deposits, money market accounts, online savings and checking accounts, and IRA certificates of deposit. The presentation contains forward-looking statements. You are cautioned not to place undue reliance on forward-looking statements, which speak only as of the date on which they are made, which reflect management s estimates, projections, expectations or beliefs at that time, and which are subject to risks and uncertainties that may cause actual results to differ materially. For a discussion of certain risks and uncertainties that may affect the future results of the Company, please see "Special Note Regarding Forward-Looking Statements," "Risk Factors," "Business Competition," "Business Supervision and Regulation" and "Management s Discussion and Analysis of Financial Condition and Results of Operations" in the Company s Annual Report on Form 10-K for the year ended December 31, 2016, and under Management s Discussion and Analysis of Financial Condition and Results of Operations in the company s Quarterly Report on Form 10-Q for the quarter ended March 31, 2017, which are filed with the SEC and available at the SEC's website. The Company does not undertake to update or revise forward-looking statements as more information becomes available. We own or have rights to use the trademarks, trade names and service marks that we use in conjunction with the operation of our business, including, but not limited to: Discover, PULSE, Cashback Bonus, Discover Cashback
7 Franchise Overview Positioned as the leading U.S. direct bank & payments partner Note(s) Balances as of March 31, 2017; pre-tax profit and volume based on the trailing four quarters ending 1Q17 (unless noted) 2016 TNS Consumer Payment Strategies Study Diners volume is derived from data provided by licensees for Diners Club branded cards issued outside of North America and is subject to subsequent revision or amendment Direct Banking (97% of DFS Pre-Tax Profit) Payment Services (3% of DFS Pre-Tax Profit) U.S. Card Issuing $60Bn card receivables $123Bn card sales volume Leading cash rewards program 1 in 4 U.S. households(1) Deposits and Lending $37Bn direct-to-consumer deposits Cashback checking $9Bn private student loans $7Bn personal loans Home equity installment loans $14Bn volume 10+ network alliances $139Bn volume 4,600+ issuers $29Bn volume(2) 90+ licensees 185+ countries / territories Network Partners
8 Be the leading direct bank and payments partner Franchise Overview Vision, strategic objectives and goal Vision Create long-term shareholder value Goal Focus areas and strategic objectives Invest for the future Build awareness and consideration Enhance capabilities and operating model Achieve profitable, disciplined growth Excel at serving our customers; simple, secure experience with deep relationships Offer differentiated products Leverage payments network Manage risk prudently
9 Franchise Overview Business model has expanded and diversified Loans Funding Network Volume Other ABS Brokered Direct Deposits Note(s) 2007 data is as of fiscal year ending November 30, 2007 Includes Network Partners volume Net Income (All data in billions) $53 $77 $54 $77 $186 $307 (2) (1) (1) (1) (1)
10 Net Interest Margin Asset sensitivity helped drive NIM expansion in 2016 Net Interest Margin 2017 NIM guidance: slightly higher than 2016 The benefit of incremental increases in the prime rate will be partially offset by higher: Wholesale funding costs Balance transfer and promotional balances Deposit betas Interest charge-offs
11 Payments Leverage payments assets to support card issuing Merchant funded rewards Emerging technologies Flexibility and control Brand recognition
12 Card Proprietary network helps drive brand recognition Source: 2016 Millward Brown Brand Tracking Study Average Unaided Card Brand Awareness
13 Card Loan growth has been consistent and profitable Source: Company filings. Industry includes AXP, BAC, C, COF, JPM, SYF, WFC. Note(s) Standard deviation of quarterly loan growth (1)
14 Card Recognized leader in customer satisfaction and loyalty Note(s) Recommend to a Friend is the percentage of survey participants who strongly / somewhat agree with the statement I would recommend to a friend among cardholders who say they use that brand s card most often to make purchases Consideration is the percentage of survey participants saying either it would be my first choice or I would seriously consider it among general population Brand Strength Customer Satisfaction Source: 2016 Brand Health Tracker Study, Millward Brown
15 Card Digital driving customer experience and efficiencies Applications: Website Mobile Digital Payments Mobile Logins 47% 40% 64% 50% Balance Transfer Offers Single Sign On Portal Mobile Experiences 2016 Digital Efficiency Metrics
16 Card One s view on credit depends on one's perspective
17 Card Net charge-off rate remains among the lowest in the industry Source: Company filings Note(s) U.S. Consumer Services card member loans U.S. Card Credit card North America Citi-Branded Cards Domestic Card Total company (1) (2) (4) (5) (6) (3) (3) (3)
18 Card Charge-off drivers(1) Seasonality Seasoning Normalization (Mean Reversion) Macroeconomic fundamentals NCOs NCOs Through-the-cycle average Time Time Recession NCOs Years from Origination 4 Q1 Q2 Q3 Q4 NCOs Note(s) Illustrative depictions; graphs do not represent actual data
19 Card Recessions trigger cyclical consumer credit inflections Consumer NCO Rate (LHS) Unemployment Rate (RHS) Economic recession Source: Federal Reserve, BLS, NBER
20 Card Consumer credit fundamentals remain favorable Initial Jobless Claims Unemployment Rate Home Prices Debt to Disposable Income Ratio Source: DOL, BLS, FHFA, Federal Reserve Index, 1Q80=100 Thousands
21 Private Student Loans Discover is one of the largest private student lenders Overview Not-for-profit schools with 4-year undergraduate or graduate degree programs, bar and residency loans 99 of top 100 national universities(1) 50 of top 50 medical, law and graduate business schools(1) Cosigner rate of ~90% on originations Average FICO > 750 at acquisition(2) School certification and direct disbursement to school for all graduate and undergraduate borrowers Note(s) Placement of Discover brand at schools that use a lender list; rankings based on 2017 U.S. News and World Report The higher of the borrower or the co-signer at origination on the organic portfolio Includes CitiAssist branded originated loans for 2012 Loans ($Bn) CAGR -14% CAGR 20% (3)
22 Personal Loans Driving disciplined, profitable growth Overview Loans ($Bn) Superior alternative for consolidating debt Typical installment loan characteristics: 3- to 7-year term Up to $35,000 Average portfolio FICO of 745 Two-thirds of borrowers have a Discover credit card % CAGR (1) Note(s) An example calculation of 6-month Lagged Charge-off Rate: net principal charge-offs for the 12 months ending December 31, 2016 divided by average loan balance of the 12 months ending June 30, 2016
23 Direct-to-Consumer Deposits (DTC) Funding asset growth with high quality deposits DTC Deposits ($Bn) DTC Balances by Life of Relationship
24 Direct-to-Consumer Deposits Low deposit betas have contributed to asset sensitivity Savings 12M CD 60M CD Deposit Betas Deposit betas were essentially zero through the first two Fed rate hikes Direct banks began to raise deposit rates after the March 2016 rate hike, though deposit betas remain below long-term averages Note(s) Direct peer represents the median of: ALLY, AXP, BCS, CIT, COF, EVER, GS, Nationwide, SLM, SYF, USAA
25 Capital Strong capital levels allow for significant capital returns Note(s) 2016 common dividends plus gross share repurchases divided by market capitalization at 12/31/15 Common Equity Tier 1 Capital Ratio (Basel III Transition) DFS Common Equity Tier 1 Ratio(2) 10% - 11% 2016 Total Yield(1) SourcePublic Company Disclosures Expected Target
26
William Blair 37 th Annual Growth Stock Conference
William Blair 37 th Annual Growth Stock Conference David Nelms Chairman & Chief Executive Officer June 15, 2017 2017 DISCOVER FINANCIAL SERVICES 1 Notice The following slides are part of a presentation
More informationDISCOVER FINANCIAL SERVICES (Exact name of registrant as specified in its charter)
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
More information2Q17 Financial Results
2Q17 Financial Results July 26, 2017 2017 DISCOVER FINANCIAL SERVICES 1 Notice The following slides are part of a presentation by Discover Financial Services (the "Company") in connection with reporting
More information1Q17 Financial Results
1Q17 Financial Results April 25, 2017 2017 DISCOVER FINANCIAL SERVICES Notice The following slides are part of a presentation by Discover Financial Services (the "Company") in connection with reporting
More informationDISCOVER FINANCIAL SERVICES (Exact name of registrant as specified in its charter)
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
More informationDISCOVER FINANCIAL SERVICES (Exact name of registrant as specified in its charter)
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
More informationDISCOVER FINANCIAL SERVICES (Exact name of registrant as specified in its charter)
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
More information2018 and 4Q18 Financial Results
2018 and 4Q18 Financial Results January 24, 2019 2019 DISCOVER FINANCIAL SERVICES Notice The following slides are part of a presentation by Discover Financial Services (the "Company") in connection with
More information1Q18 Financial Results
1Q18 Financial Results April 26, 2018 2018 DISCOVER FINANCIAL SERVICES Notice The following slides are part of a presentation by Discover Financial Services (the "Company") in connection with reporting
More information2017 and 4Q17 Financial Results
2017 and 4Q17 Financial Results January 24, 2018 2017 DISCOVER FINANCIAL SERVICES Notice The following slides are part of a presentation by Discover Financial Services (the "Company") in connection with
More information2016 Annual Meeting of Shareholders. May 12, 2016
2016 Annual Meeting of Shareholders May 12, 2016 Notice The following slides are part of a presentation by Discover Financial Services (the "Company") and are intended to be viewed as part of that presentation.
More information2Q18 Financial Results
2Q18 Financial Results July 26, 2018 2018 DISCOVER FINANCIAL SERVICES Notice The following slides are part of a presentation by Discover Financial Services (the "Company") in connection with reporting
More information2014 Goldman Sachs U.S. Financial Services Conference
2014 Goldman Sachs U.S. Financial Services Conference David Nelms, Chairman & CEO Mark Graf, EVP & CFO December 10, 2014 2014 DISCOVER FINANCIAL SERVICES 1 Notice The following slides are part of a presentation
More informationULTASALON,COSMETICS&FRAGRANCE,INC.
UNITEDSTATES SECURITIESANDEXCHANGECOMMISSION WASHINGTON,DC20549 FORM8-K CURRENTREPORT PursuanttoSection13or15(d) ofthesecuritiesexchangeactof1934 DateofReport(Dateofearliesteventreported):October13,2016
More informationAnnual Meeting of Shareholders. May 2, 2018
Annual Meeting of Shareholders May 2, 2018 Notice The following slides are part of a presentation by Discover Financial Services (the "Company") and are intended to be viewed as part of that presentation.
More informationWashington,D.C FORM8-K. CURRENTREPORT PursuanttoSection13or15(d)
UNITEDSTATES SECURITIESANDEXCHANGECOMMISSION Washington,D.C.20549 FORM8-K CURRENTREPORT PursuanttoSection13or15(d) ofthesecuritiesexchangeactof1934 DateofReport(Dateofearliesteventreported):September4,2018
More informationvnce-ex301_7.htm WASHINGTON,D.C Delaware (StateorOtherJurisdiction 5005thAvenue 20thFloor NewYork,NewYork
vnce-ex301_7.htm UNITEDSTATES SECURITIESANDEXCHANGECOMMISSION WASHINGTON,D.C.20549 FORM8-K CURRENTREPORT PursuanttoSection13or15(d)oftheSecuritiesExchangeActof1934 DateofReport(Dateofearliesteventreported):September8,2017(September6,2017)
More information2015 Financial Community Briefing
2015 Financial Community Briefing May 5, 2015 2015 DISCOVER FINANCIAL SERVICES Notice The following slides are part of a presentation by Discover Financial Services (the "Company") and are intended to
More informationWashington,D.C FORM8-K. Date of Report (Date of earliest event reported): December1,2016. AlcoaCorporation
UNITEDSTATES SECURITIESANDEXCHANGECOMMISSION Washington,D.C.20549 FORM8-K CURRENTREPORT PURSUANTTOSECTION13OR15(D)OFTHE SECURITIESEXCHANGEACTOF1934 Date of Report (Date of earliest event reported): December1,2016
More informationValeantPharmaceuticalsInternational,Inc.
SECURITIESANDEXCHANGECOMMISSION Washington,D.C.20549 FORM8-K CURRENTREPORT PursuanttoSection13or15(d) ofthesecuritiesexchangeactof1934 DateofReport(Dateoftheearliesteventreported):November13,2017(November13,2017)
More informationMastercardIncorporated
UNITEDSTATES SECURITIESANDEXCHANGECOMMISSION Washington,D.C.20549 FORM8-K CURRENTREPORT PursuanttoSection13or15(d) ofthesecuritiesexchangeactof1934 DateofReport(Dateofearliesteventreported):December4,2018
More informationCypressEnergyPartners,L.P.
UNITEDSTATES SECURITIESANDEXCHANGECOMMISSION Washington,D.C.20549 FORM8-K CURRENTREPORT PURSUANTTOSECTION13OR15(D) OFTHESECURITIESEXCHANGEACTOF1934 DateofReport(Dateofearliesteventreported):March23,2017
More informationWashington,D.C FORM8-K. CURRENTREPORT PursuanttoSection13OR15(d) ofthesecuritiesexchangeactof1934. LogMeIn,Inc.
UNITEDSTATES SECURITIESANDEXCHANGECOMMISSION Washington,D.C.20549 FORM8-K CURRENTREPORT PursuanttoSection13OR15(d) ofthesecuritiesexchangeactof1934 DateofReport(Dateofearliesteventreported):August10,2017
More information2014 Financial Community Briefing
2014 Financial Community Briefing February 27, 2014 2014 DISCOVER FINANCIAL SERVICES Notice The following slides are part of a presentation by Discover Financial Services (the "Company") and are intended
More informationLENNARCORPORATION (Exactnameofregistrantasspecifiedinitscharter) Delaware (Stateorotherjurisdiction
UNITEDSTATES SECURITIESANDEXCHANGECOMMISSION Washington,D.C.20549 FORM8-K CURRENTREPORT PursuanttoSection13or15(d)oftheSecuritiesExchangeActof1934 September14,2017 DateofReport(Dateofearliesteventreported)
More informationONE Gas, Inc. (Exactnameofregistrantasspecifiedinitscharter)
UNITEDSTATES SECURITIESANDEXCHANGECOMMISSION Washington,D.C.20549 FORM 8-K CURRENTREPORT PURSUANTTOSECTION13OR15(d)OFTHE SECURITIESEXCHANGEACTOF1934 (Dateofreport) June 29, 2018 (Dateofearliesteventreported)
More informationHiltonGrandVacationsInc.
UNITEDSTATES SECURITIESANDEXCHANGECOMMISSION WASHINGTON,D.C.20549 FORM8-K CURRENTREPORT PursuanttoSection13or15(d) ofthesecuritiesexchangeactof1934 DateofReport(DateofEarliestEventReported):August2,2017
More informationWASHINGTON,D.C FORM 8-K
UNITEDSTATES SECURITIESANDEXCHANGECOMMISSION WASHINGTON,D.C.20549 FORM 8-K CurrentReport PursuanttoSection13or15(d)ofTheSecuritiesExchangeActof1934 September25,2018 (DateofReport-DateofEarliestEventReported)
More informationWASHINGTON,D.C FORM8-K. DateofReport(Dateofearliesteventreported):April25,2018 VISAINC.
UNITEDSTATES SECURITIESANDEXCHANGECOMMISSION WASHINGTON,D.C.20549 FORM8-K CURRENTREPORT PursuanttoSection13or15(d)oftheSecuritiesExchangeActof1934 DateofReport(Dateofearliesteventreported):April25,2018
More informationUNITEDSTATES SECURITIESANDEXCHANGECOMMISSION WASHINGTON,D.C FORM8-K. CURRENTREPORT PursuanttoSection13or15(d)oftheSecuritiesExchangeActof1934
UNITEDSTATES SECURITIESANDEXCHANGECOMMISSION WASHINGTON,D.C.20549 FORM8-K CURRENTREPORT PursuanttoSection13or15(d)oftheSecuritiesExchangeActof1934 DateofReport(Dateofearliesteventreported):October24,2018
More informationWashington,D.C FORM8-K. CurrentReport PursuantToSection13or15(d) ofthesecuritiesexchangeactof1934. ChubbLimited
UNITEDSTATES SECURITIESANDEXCHANGECOMMISSION Washington,D.C.20549 FORM8-K CurrentReport PursuantToSection13or15(d) ofthesecuritiesexchangeactof1934 DateofReport(Dateofearliesteventreported) July26,2016
More informationHiltonGrandVacationsInc.
UNITEDSTATES SECURITIESANDEXCHANGECOMMISSION WASHINGTON,D.C.20549 FORM8-K CURRENTREPORT PursuanttoSection13or15(d) ofthesecuritiesexchangeactof1934 DateofReport(DateofEarliestEventReported):March1,2017
More informationHYATTHOTELSCORPORATION
UNITEDSTATES SECURITIESANDEXCHANGECOMMISSION Washington,D.C.20549 FORM8-K CURRENTREPORT PursuanttoSection13or15(d)of thesecuritiesexchangeactof1934 DateofReport(Dateofearliesteventreported):February19,2018
More informationValeantPharmaceuticalsInternational,Inc.
SECURITIESANDEXCHANGECOMMISSION Washington,D.C.20549 FORM8-K CURRENTREPORT PursuanttoSection13or15(d) ofthesecuritiesexchangeactof1934 DateofReport(Dateoftheearliesteventreported):December4,2017(December4,2017)
More informationDISCOVER FINANCIAL SERVICES (Exact name of registrant as specified in its charter)
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
More informationBB&TCorporation (Exactnameofregistrantasspecifiedinitscharter) NorthCarolina
UNITEDSTATES SECURITIESANDEXCHANGECOMMISSION Washington,D.C.20549 Form8-K CurrentReport PursuanttoSection13or15(d) ofthesecuritiesexchangeactof1934 March1,2019 DateofReport(Dateofearliesteventreported)
More informationHiltonGrandVacationsInc.
UNITEDSTATES SECURITIESANDEXCHANGECOMMISSION WASHINGTON,D.C.20549 FORM8-K CURRENTREPORT PursuanttoSection13or15(d) ofthesecuritiesexchangeactof1934 DateofReport(DateofEarliestEventReported):November1,2017
More information2018 First Quarter Investor Presentation May 11, 2018
2018 First Quarter Investor Presentation May 11, 2018 Disclaimers Cautionary Statement Regarding Forward-Looking Statements This presentation contains certain forward-looking statements as defined in Section
More informationFacebook, Inc. (Exact Name of Registrant as Specified in Charter)
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
More informationWashington,D.C FORM8-K. CURRENTREPORT PURSUANTTOSECTION13OR15(d) DateofReport(Dateofearliesteventreported):November3,2017. UnivarInc.
UNITEDSTATES SECURITIESANDEXCHANGECOMMISSION Washington,D.C.20549 FORM8-K CURRENTREPORT PURSUANTTOSECTION13OR15(d) OFTHESECURITIESEXCHANGEACTOF1934 DateofReport(Dateofearliesteventreported):November3,2017
More informationWashington,D.C FORM8-K. CURRENTREPORT PursuanttoSection13OR15(d)of
UNITEDSTATES SECURITIESANDEXCHANGECOMMISSION Washington,D.C.20549 FORM8-K CURRENTREPORT PursuanttoSection13OR15(d)of thesecuritiesexchangeactof1934 Date of Report (Date of earliest event reported): October18,2016
More informationWashington,D.C FORM8-K. CurrentReport PursuantToSection13or15(d) ChubbLimited. Switzerland (Stateorotherjurisdiction
UNITEDSTATES SECURITIESANDEXCHANGECOMMISSION Washington,D.C.20549 FORM8-K CurrentReport PursuantToSection13or15(d) ofthesecuritiesexchangeactof1934 DateofReport(Dateofearliesteventreported) January30,2018
More informationUNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C FORM 8-K
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
More informationFacebook, Inc. (Exact Name of Registrant as Specified in Charter)
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
More information2017 Third Quarter Investor Presentation November 13, 2017
2017 Third Quarter Investor Presentation November 13, 2017 Disclaimers Cautionary Statement Regarding Forward-Looking Statements This presentation contains certain forward-looking statements as defined
More informationINVESTOR PRESENTATION
INVESTOR PRESENTATION JUNE 2017 DISCLAIMER Forward-Looking Statements This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These
More informationSALLIE MAE. Investor Presentation
SALLIE MAE Investor Presentation APRIL 2014 Forward-Looking Statements The following information is current as of April 17, 2014 (unless otherwise noted) and should be read in connection with the Annual
More informationSANTANDER CONSUMER USA HOLDINGS INC. (Exact name of registrant as specified in its charter)
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
More informationDELPHITECHNOLOGIESPLC
UNITEDSTATES SECURITIESANDEXCHANGECOMMISSION Washington,D.C.20549 FORM8-K CURRENTREPORT PursuanttoSection13or15(d)ofthe SecuritiesExchangeActof1934 DateofReport(Dateofearliesteventreported): February21,2019
More informationFINANCIAL COMMUNITY PRESENTATION
FINANCIAL COMMUNITY PRESENTATION FEBRUARY 2017 DISCLAIMER Forward-Looking Statements This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform
More informationSANTANDER CONSUMER USA HOLDINGS INC. (Exact name of registrant as specified in its charter)
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
More informationTHE GOLDMAN SACHS GROUP, INC.
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
More informationINVESTOR PRESENTATION NOVEMBER 2018
INVESTOR PRESENTATION NOVEMBER 2018 0 DISCLAIMER Forward-Looking Statements This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995.
More informationFacebook, Inc. (Exact Name of Registrant as Specified in Charter)
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
More informationWashington,D.C FORM8-K CURRENTREPORT. SECURITIESEXCHANGEACTOF1934 DateofReport(dateofearliesteventreported):January22,2019 WD-40COMPANY
Delaware (Stateorotherjurisdictionof incorporationororganization) UNITEDSTATES SECURITIESANDEXCHANGECOMMISSION Washington,D.C.20549 FORM8-K CURRENTREPORT PURSUANTTOSECTION13OR15(d)OFTHE SECURITIESEXCHANGEACTOF1934
More informationTHE GOLDMAN SACHS GROUP, INC.
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
More informationWASHINGTON,D.C FORM8-K. CURRENTREPORT PURSUANTTOSECTION13OR15(d) TENNECOINC. Delaware (Stateorotherjurisdiction
UNITEDSTATES SECURITIESANDEXCHANGECOMMISSION WASHINGTON,D.C.20549 FORM8-K CURRENTREPORT PURSUANTTOSECTION13OR15(d) OFTHESECURITIESEXCHANGEACTOF1934 DateofReport(Dateofearliesteventreported):February22,2019
More informationWashington,D.C FORM8-K. CurrentReport PursuantToSection13or15(d) ChubbLimited. Switzerland (Stateorotherjurisdiction
UNITEDSTATES SECURITIESANDEXCHANGECOMMISSION Washington,D.C.20549 FORM8-K CurrentReport PursuantToSection13or15(d) ofthesecuritiesexchangeactof1934 DateofReport(Dateofearliesteventreported) April24,2018
More informationMETA FINANCIAL GROUP, INC. (Exact name of registrant as specified in its charter)
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
More informationEveri Holdings Inc. (Exact name of registrant as specified in its charter)
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
More informationWashington,D.C FORM8-K. November7,2017. Delaware (Stateorotherjurisdictionof. Rosemont,IL60018
UNITEDSTATES SECURITIESANDEXCHANGECOMMISSION Washington,D.C.20549 FORM8-K CURRENTREPORT PursuanttoSection13or15(d)oftheSecuritiesExchangeActof1934 November7,2017 DateofReport(Dateofearliesteventreported)
More informationTHE GOLDMAN SACHS GROUP, INC.
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
More informationUNITEDSTATES SECURITIESANDEXCHANGECOMMISSION Washington,D.C FORM8-K
UNITEDSTATES SECURITIESANDEXCHANGECOMMISSION Washington,D.C.20549 FORM8-K CURRENTREPORT PursuanttoSection13or15(d)ofthe SecuritiesExchangeActof1934 Date of Report (Date of earliest event reported) May
More information2017 Fourth Quarter Investor Presentation January 30, 2018
2017 Fourth Quarter Investor Presentation January 30, 2018 Disclaimers Cautionary Statement Regarding Forward-Looking Statements This presentation contains certain forward-looking statements as defined
More informationIDEXX LABORATORIES, INC. (Exact name of registrant as specified in its charter)
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
More informationOLD DOMINION FREIGHT LINE, INC.
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
More informationJohn Mack, Chairman and Chief Executive Officer David H. Sidwell, Chief Financial Officer David W. Nelms, Chairman & CEO, Discover Financial Services
John Mack, Chairman and Chief Executive Officer David H. Sidwell, Chief Financial Officer David W. Nelms, Chairman & CEO, Discover Financial Services August 17, 2005 Notice The information provided herein
More informationTHE GOLDMAN SACHS GROUP, INC. (Exact name of registrant as specified in its charter)
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
More informationTHE GOLDMAN SACHS GROUP, INC.
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
More informationSunTrust Banks, Inc.
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
More informationElevate Credit, Inc. (Exact name of registrant as specified in its charter)
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
More informationELECTRONIC ARTS INC.
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
More informationHUNTINGTON BANCSHARES INCORPORATED
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
More informationHSBC Finance Corporation (Exact name of registrant as specified in its charter)
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: July 30, 2007 Commission
More informationSLM CORPORATION INVESTOR PRESENTATION STEVE MCGARRY EVP AND CFO
SLM CORPORATION INVESTOR PRESENTATION STEVE MCGARRY EVP AND CFO 19th Annual Credit Suisse Financial Services Forum February 13, 2018 Forward-Looking Statements and Disclaimer 2 Cautionary Note Regarding
More informationGRUBHUB INC. (Exact name of Registrant as Specified in Its Charter)
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
More informationPROOFPOINT INC FORM 8-K. (Current report filing) Filed 01/28/16 for the Period Ending 01/28/16
PROOFPOINT INC FORM 8-K (Current report filing) Filed 01/28/16 for the Period Ending 01/28/16 Address 892 ROSS DRIVE SUNNYVALE, CA 94089 Telephone 408-517-4710 CIK 0001212458 Symbol PFPT SIC Code 7374
More informationUNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C V.F. Corporation (Exact Name of Registrant as Specified in Charter)
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
More informationIDEXX LABORATORIES, INC. (Exact name of registrant as specified in its charter)
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
More informationDel Taco Restaurants, Inc. (Exact name of registrant as specified in its charter)
UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 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
More informationASV HOLDINGS, INC. (Exact Name of Registrant as Specified in Charter)
UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 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
More informationColleen Johnston Chief Financial Officer TD Bank Financial Group. Bank of America Merrill Lynch Banking and Financial Services Conference
Colleen Johnston Chief Financial Officer TD Bank Financial Group Bank of America Merrill Lynch Banking and Financial Services Conference November 10, 2009 Caution regarding forward-looking statements From
More informationGRANITE CONSTRUCTION INCORPORATED (Exact Name of Registrant as Specified in Charter)
UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 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
More informationTHE GOLDMAN SACHS GROUP, INC. (Exact name of registrant as specified in its charter)
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
More informationMICROCHIP TECHNOLOGY INCORPORATED (Exact name of registrant as specified in its charter)
UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 April 4, 2016 Date of Report (Date of
More informationUNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C FORM 8-K CURRENT REPORT
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
More informationFIRST REPUBLIC BANK (Exact name of registrant as specified in its charter)
FEDERAL DEPOSIT INSURANCE CORPORATION Washington, D.C. 20429 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):
More informationSECURITIES & EXCHANGE COMMISSION EDGAR FILING RELM WIRELESS CORP. Form: 8-K. Date Filed:
SECURITIES & EXCHANGE COMMISSION EDGAR FILING RELM WIRELESS CORP Form: 8-K Date Filed: 2015-05-06 Corporate Issuer CIK: 2186 Copyright 2015, Issuer Direct Corporation. All Right Reserved. Distribution
More informationSANTANDER CONSUMER USA HOLDINGS INC. (Exact name of registrant as specified in its charter)
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
More information4Q 18 EARNINGS PRESENTATION
4Q 18 EARNINGS PRESENTATION January 18, 2019 2019 SunTrust Banks, Inc. SunTrust is a federally registered trademark of SunTrust Banks, Inc. IMPORTANT CAUTIONARY STATEMENT This presentation should be read
More informationSPRINT CORPORATION (Exact name of Registrant as specified in its charter)
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
More informationUNITEDHEALTH GROUP INCORPORATED
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
More informationFORM8-K. TEARLABCORPORATION (Exact name of registrant as specified in its charter)
UNITEDSTATES SECURITIESANDEXCHANGECOMMISSION Washington,DC20549 FORM8-K CURRENTREPORT PursuanttoSection13or15(d)of TheSecuritiesExchangeActof1934 Date of Report (Date of earliest event reported) October13,2016
More informationFIRST REPUBLIC BANK (Exact name of registrant as specified in its charter)
FEDERAL DEPOSIT INSURANCE CORPORATION Washington, D.C. 20429 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):
More informationCaesars Entertainment Operating Company, Inc.
Page 1 of 4 8-K 1 d846981d8k.htm 8-K 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
More informationFORM8-K CURRENTREPORT. SecuritiesExchangeActof1934. DateofReport(DateofEarliestEventReported)November8,2018 KOPINCORPORATION
UNITEDSTATES SECURITIESANDEXCHANGECOMMISSION WASHINGTON,D.C.20549 FORM8-K CURRENTREPORT PursuanttoSection13or15(d)ofthe SecuritiesExchangeActof1934 DateofReport(DateofEarliestEventReported)November8,2018
More informationDel Taco Restaurants, Inc. (Exact name of registrant as specified in its charter)
UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 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
More informationUNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C FORM 8-K
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
More informationTELENAV, INC. FORM 8-K. (Current report filing) Filed 10/30/14 for the Period Ending 10/30/14
TELENAV, INC. FORM 8-K (Current report filing) Filed 10/30/14 for the Period Ending 10/30/14 Address 4655 GREAT AMERICA PARKWAY SUITE 300 SANTA CLARA, CA, 95054 Telephone (408) 245-3800 CIK 0001474439
More informationCredit Suisse Financial Services Forum
Credit Suisse Financial Services Forum John Shrewsberry Chief Financial Officer February 9, 2016 2016 Wells Fargo & Company. All rights reserved. Wells Fargo Vision We want to satisfy our customers financial
More information