Content analysis
?Positive | ||
Negative | ||
Uncertain | ||
Constraining | ||
Legalese | ||
Litigous | ||
Readability |
8th grade Avg
|
New words:
acquisition, artificial, attention, brand, brought, California, carlo, categorized, CFO, contingent, costly, customary, deepen, deflation, DIF, difficult, Discover, dismissed, diversion, embedded, entitled, favorable, footnote, foregoing, fractional, geopolitical, gradually, grow, heading, hearing, hire, imposition, incorrectly, incremental, instability, intelligence, Israel, Jersey, Judicial, lieu, low, merge, monte, motion, Multidistrict, notification, November, occurrence, Ohio, pendency, personnel, preamble, preceding, prejudice, reaction, refiled, requisite, resubmission, resubmit, resubmitted, Russia, satisfaction, scrutiny, shorter, shown, stay, step, stockholder, Supreme, tech, Ukraine, unable, unanimously, unexpected, upper, Vega, war, wholly
Removed:
absence, American, ARRC, asserted, classwide, COBNA, comprise, concession, continuation, convened, demonstrated, diminished, discovery, eliminated, enhanced, faster, foregone, granting, inaccurate, increasing, Interbank, investing, lag, leaving, LIBOR, local, London, measuring, North, offered, pledgeable, proceed, promotional, pursued, recommended, reference, referenced, refinancing, replace, resulted, RSU, sensitive, shift, short, spending, structural, structurally, substantively, unit, USA, USD, withstand
Financial report summary
?Risks
- General Economic and Market Risks
- Changes and instability in the macroeconomic environment, consumer confidence and customer behavior may adversely affect our business.
- Fluctuations in market interest rates or volatility in the capital markets could adversely affect our business.
- Our results of operations may be adversely affected by the effects of the COVID-19 pandemic.
- We may experience increases or fluctuations in delinquencies and credit losses, inaccurate estimates and inadequate reserves.
- Capital and Liquidity Risk
- We may not be able to maintain adequate capital or liquidity levels or may become subject to revised capital or liquidity requirements, which could have a negative impact on our financial results and our ability to return capital to our stockholders.
- Limitations on our ability to receive dividends from our subsidiaries could affect our liquidity and ability to pay dividends and repurchase common stock.
- We face risks related to our operational, technological and organizational infrastructure.
- A cyber-attack or other security incident, including one that results in the theft, loss, manipulation or misuse of information (including personal information), or the disabling of systems and access to information critical to business operations, may result in increased costs, reductions in revenue, reputational damage, legal exposure and business disruptions.
- Our required compliance with applicable laws and regulations related to privacy, data protection and data security may increase our costs, reduce our revenue, increase our legal exposure and limit our ability to pursue business opportunities.
- We face risks resulting from the extensive use of models and data.
- Legal and Regulatory Risk
- Compliance with new and existing laws, regulations and regulatory expectations is costly and complex.
- Our businesses are subject to the risk of increased litigation, government investigations and regulatory enforcement.
- We face intense competition in all of our markets.
- We may fail to realize the anticipated benefits of our mergers, acquisitions and strategic partnerships.
- The transition away from LIBOR may adversely affect our business.
- We face risks from catastrophic events.