On this special episode of Industry Refocus, we welcome Gaby from the Financials team to break down credit cards and the billions of dollars retailers are generating from their brand-specific credit offerings. She also has an update for the housing market and mortgages.

We're mixing things up this week on Industry Focus with some cross sector topics.

To kick it off, Tyler Crowe of the Energy & Industrials team joins Gaby for the Finance show to talk about how captive finance companies fit into the role of a industrial manufacturer and the challenges they can present for a company. 

ADR’s, goodwill and fiscal years are explained as we run through some listener questions.

We take a look at the less than impressive earnings from the integrated majors and ConocoPhillips' decision to cut its "sacred" dividend. Plus, what can an NBA finals game teach you about investing? 

Do Gilead Sciences financials deserve high honors? Motley Fool analysts review Gilead Sciences' earnings report to find out.