The company is undergoing a major reorganization of its U.S. consumer business and a transition in its Chief Financial Officer role. It has recently outperformed the market, with a 46.5% year-to-date share price return. Strategic moves include exiting some markets and creating leaner operations, which has led to rising net interest income guidance. Analysts remain moderately optimistic about its prospects, and it was recently selected by Aramco as a preferred adviser for a stake sale. However, a premium card rollout was marred by operational issues.