Exhibit 99.3 1Q23 Financial Results April 19, 2023 ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the year ended December 31, 2022 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-33378 DISCOVER FINANCIAL SERVICES (Exact name of registrant as specified in its charter) Delaware (State or other jurisdiction of incorporation ...

Discover Financial Services (NYSE:DFS) Q4 2022 Results Conference Call January 19, 2023 8:00 AM ET Company Participants Eric Wasserstrom - Head of Investor Relations Roger Hochschild - Chief Executive Officer John Greene - Chief Financial Officer Conference Call Participants Moshe Orenbuch - Credit Suisse Sanjay Sakhrani - KBW John Hecht - Jefferies Mark DeVries - Barclays Betsy Graseck - Morgan Stanley Rick Shane - JPMorgan Bob Napoli - William Blair John Pancari - Evercore ISI Bill Carcache - Wolfe Resear ...

Discover Financial Services (NYSE:DFS) Q3 2022 Earnings Conference Call October 25, 2022 9:00 AM ET Company Participants Eric Wasserstrom – Head-Investor Relations Roger Hochschild – Chief Executive Officer John Greene – Chief Financial Officer Conference Call Participants Ryan Nash – Goldman Sachs Moshe Orenbuch – Credit Suisse Sanjay Sakhrani – KBW John Hecht – Jefferies John Pancari – Evercore Betsy Graseck – Morgan Stanley Robert Napoli – William Blair Don Fandetti – Wells Fargo Mihir Bhatia – Bank of A ...

Discover Financial Services (NYSE:DFS) Q2 2022 Earnings Conference Call July 21, 2022 8:00 AM ET Company Participants Eric Wasserstrom - Head, Investor Relations Roger Hochschild - Chief Executive Officer John Greene - Chief Financial Officer Conference Call Participants Moshe Orenbuch - Credit Suisse Bill Carcache - Wolfe Research Sanjay Sakhrani - KBW Rick Shane - JPMorgan Ryan Nash - Goldman Sachs Mark DeVries - Barclays John Pancari - Evercore ISI Betsy Graseck - Morgan Stanley Meng Jiao - Deutsche Bank ...

Discover Financial Services (NYSE:DFS) Q1 2022 Earnings Conference Call April 28, 2022 8:00 AM ET Company Participants Eric Wasserstrom - Head of IR Roger Hochschild - CEO John Greene - CFO Conference Call Participants Bill Carcache - Wolfe Research Sanjay Sakhrani - KBW Moshe Orenbuch - Credit Suisse Betsy Graseck - Morgan Stanley John Pancari - Evercore ISI Ryan Nash - Goldman Sachs Mark DeVries - Barclays Kevin Barker - Piper Sandler Don Fandetti - Wells Fargo Rick Shane - JPMorgan Robert Napoli ...