Revenue segments as reported by the company.

Net interest income

Non-interest income

Revenue Segments

Gross Profit, Operating Income, and Net Income as a percentage of Revenue

Operating Margin

Profit Margin

Margins

An operating expense is an expense a business incurs through its normal business operations. Often abbreviated as OPEX.

Provision (benefit) for credit losses

Marketing

Operating expense

Operating Expenses

Year over year growth in Revenue and Operating Expenses.

Revenue Y/Y

OpEx Y/Y

Growth

Shares outstanding refer to a company's stock currently held by all its shareholders, including share blocks held by institutional investors and restricted shares owned by the company's officers and insiders.

Outstanding Shares

Market Cap

Also known as Price/Sales Ratio. Calculated using Average market cap for the quarter / Annualized quarterly revenue.

Revenue Multiple

Capital One

Capital One Financial Corp. operates as a financial holding company. The firm engages in the provision of financial products and services. It operates through the following segments: Credit Card, Consumer Banking and Commercial Banking. The Credit Card segment includes domestic consumer and small business card lending, and international card lending businesses. The Consumer Banking segment consists of branch-based lending and deposit gathering activities for consumers and small businesses. The Commercial Banking segment includes lending, deposit gathering and treasury management services to commercial real estate and commercial and industrial customers. The company was founded by Richard D. Fairbank on July 21, 1994, and is headquartered in McLean, VA.

Earnings data Q1 2021

Earnings data Q2 2021

Earnings data Q3 2021

Earnings data Q4 2021

Earnings data Q1 2022

Earnings data Q2 2022

Earnings data Q3 2022

Earnings data Q4 2022

Earnings data Q1 2023

Earnings data Q2 2023

Earnings data Q3 2023

Earnings data Q4 2023

Earnings data Q1 2024

Earnings data Q2 2024

Earnings data Q3 2024

Earnings data Q4 2024

Capital One reports robust Q4 earnings amidst sector challenges

Capital One delivered solid earnings performance driven by growth in the credit card and domestic car businesses.
Maintaining strong liquidity and capital ratios positions the company well for future opportunities.
Challenges in consumer and commercial banking require strategic adjustments to drive growth.
Opportunities lie in capital return strategies, targeted marketing efforts, and managing credit metrics effectively.

Capital One reports solid Q1 earnings amidst NIM pressure

Capital One's Q1 performance reflects solid earnings and deposit growth.
The company's strengths lie in digital capabilities, capital position, and credit trends.
Challenges include NIM pressure, regulatory impacts, and partnership uncertainties.
Opportunities exist in marketing focus, consumer banking, and payment innovation.

Capital One reports strong Q2 earnings, optimistic about growth

Capital One's Q2 2023 performance reflects strong earnings and growth in the Domestic Card business. While facing challenges in the Consumer Banking business and potential impact of regulatory proposals, the company remains optimistic about growth opportunities and the strength of the U.S. consumer. Investments in technology have led to cost efficiencies and positioned the company for future growth.

Capital One reports robust Q3 earnings amidst regulatory challenges

Capital One's Q3 performance reflects strong earnings and stable credit performance across segments.
The company faces challenges with rising delinquency rates and potential impacts of regulatory changes.
Opportunities lie in operational efficiencies, normalized lending margins, and growth in new accounts.
Overall, Capital One remains cautiously optimistic about future market opportunities and financial performance.

Capital One reports solid earnings amidst regulatory challenges and growth opportunities

Capital One delivered solid earnings performance with growth in loans and deposits, despite increased operating expenses.
While facing challenges from regulatory impacts and credit trends, the company is strategically positioning for growth opportunities.
By focusing on risk management, customer segments, and operational efficiency, Capital One aims to navigate uncertainties and drive sustained growth.

Capital One reports solid Q1 earnings, eyes growth opportunities

Capital One's Q1 performance reflects resilience amid revenue challenges, supported by strong risk management and capital position. While facing challenges in credit metrics and market conditions, the company eyes growth opportunities through strategic acquisitions and product launches.

Capital One reports solid Q2 earnings, eyes Discover acquisition

Capital One delivered a solid performance in Q2 2024, driven by strength in the Domestic Card business and strategic investments in marketing.
While facing challenges in Consumer Banking revenue and credit provisions, the company's strong financial foundation and pending acquisition of Discover offer growth opportunities.
Overall, Capital One's focus on market positioning, financial stability, and strategic acquisitions positions it well for future growth and value creation.

Capital One reports robust Q3 earnings amidst regulatory uncertainties

Capital One delivered strong financial performance in Q3 2024, driven by revenue growth and operational efficiency across key segments.
While facing challenges in certain banking segments and regulatory uncertainties, the company's strategic focus on innovation and market positioning remains a strength.
Opportunities for growth and market expansion exist through product innovation, regulatory adaptation, and leveraging existing operational strengths.

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Free cash flow

Market loan delinquency rates are slowing, indicating a reversal of the previous trend. The debt-to-income ratio remains healthy while the inflation rate is subdued, suggesting no signs of consumers' financial deterioration. Capital One will benefit from lower provisions for credit losses.

Capital One: 30%+ Growth Potential In The Coming Year

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Walmart

Capital One and Walmart announced the end of their exclusive consumer credit card partnership that began in 2019, though cardholders can continue to use their cards and earn rewards.

Walmart, Capital One end exclusive consumer credit card agreement

Capital One will no longer be the exclusive issuer of Walmart Consumer Credit Cards. The two companies announced Friday (May 24) in a joint press release that they ended their agreement.

Capital One and Walmart End Exclusive Credit Card Agreement

Walmart Inc (NYSE: WMT) is in the green at writing after announcing an end to its years-long agreement with Capital One Financial Corp (NYSE: COF).  What does it mean for existing cardholders?

Walmart parts ways with Capital One

The retailer has been trying to sever ties with Capital One for over a year.

Walmart and Capital One End Credit-Card Partnership

Capital One Financial will no longer be the exclusive issuer of Walmart-branded credit cards, the companies said on Friday, as they scrapped their agreement following disputes.

Walmart, Capital One end consumer credit card agreement

Cardholders can continue to use their card and earn and redeem rewards as they do today MCLEAN, Va. and BENTONVILLE, Ark.

Capital One and Walmart Announce End of Consumer Card Partnership Agreement

Discover

A pair of U.S. banking regulators announced on Tuesday they would be hosting a public meeting on July 19 to solicit input on the proposed acquisition of Discover Financial Services by Capital One Financial Corporation.

US banking regulators announce July 19 public meeting on Capital One-Discover deal

NEW ORLEANS--(BUSINESS WIRE)--Former Attorney General of Louisiana Charles C. Foti, Jr., Esq. and the law firm of Kahn Swick & Foti, LLC (“KSF”) are investigating the proposed sale of Discover Financial Services (NYSE: DFS) to Capital One Financial Corporation (NYSE: COF). Under the terms of the proposed transaction, shareholders of Discover will receive 1.0192 shares of Capital One for each share of Discover that they own. KSF is seeking to determine whether this consideration and the proc.

DISCOVER FINANCIAL INVESTOR ALERT by the Former Attorney General of Louisiana: Kahn Swick & Foti, LLC Investigates Adequacy of Price and Process in Proposed Sale of Discover Financial Services - DFS

Bank of America

JPMorgan Chase & Co

Consumers have been a source of strength for the economy, supported by robust labor markets and wage growth. Credit card net charge-offs and delinquencies have risen as consumer credit card debt surpassed $1 trillion last year.

Credit Card Net Charge-Offs Are Rising. Here's Why Banks Aren't Too Concerned.

Synchrony Financial

The credit card regulation is part of President Joe Biden's broader election-year war against what he deems junk fees.

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Capital One stock has proven a long-term winner. Many of its biggest gains, however, have been over short periods of time.

If You'd Invested $250 in Capital One Stock 5 Years Ago, Here's How Much You'd Have Today

Capital One missed EPS estimates, reporting $3.13 against the expected $3.25. Total net charge-offs rose 54% to $2.62 billion.

Capital One Misses Earnings Estimates on Higher Charge-Offs

Capital One (COF) records y/y increases in revenues and expenses in the first quarter of 2024.

Capital One (COF) Q1 Earnings Miss, Provisions Decline Y/Y

Ally Financial

Citigroup

Wells Fargo

The company operates through three segments: Credit Card Consumer Banking Commercial Banking The company accepts: Checking accounts Money market deposits, Negotiable order of withdrawals Savings deposits Time deposits Its loan products include: credit card loans, auto and retail banking loans, commercial and multifamily real estate loans, and commercial and industrial loans.

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Capital One's first quarter results showed consumers continue to spend on their cards — and management touted the benefits of the proposed $35 billion buyout of Discover Financial Services. Purchase volume on its cards was up 6% year over year to $146.6 billion, but was 7% below the fourth quarter of 2023.

As Card Charge-Offs Grow, Capital One Champions ‘Singular Opportunity' of Discover Deal

Capital One Financial Corporation (NYSE:COF ) Q1 2024 Earnings Conference Call April 25, 2024 5:00 PM ET Company Participants Jeff Norris - Senior Vice President of Finance Andrew Young - Chief Financial Officer Richard Fairbank - Chairman and Chief Executive Officer Conference Call Participants Ryan Nash - Goldman Sachs Mihir Bhatia - Bank of America Rick Shane - JPMorgan John Pancari - Evercore ISI Moshe Orenbuch - TD Cowen Don Fandetti - Wells Fargo Sanjay Sakhrani - KBW Bill Carcache - Wolfe Research Jeff Adelson - Morgan Stanley Operator Good day, and thank you for standing by. Welcome to the Capital One Q1 2024 Earnings Call.

Capital One Financial Corporation (COF) Q1 2024 Earnings Call Transcript

The headline numbers for Capital One (COF) give insight into how the company performed in the quarter ended March 2024, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals.

Compared to Estimates, Capital One (COF) Q1 Earnings: A Look at Key Metrics

Capital One (COF) came out with quarterly earnings of $3.21 per share, missing the Zacks Consensus Estimate of $3.25 per share. This compares to earnings of $2.31 per share a year ago.

Capital One (COF) Misses Q1 Earnings Estimates

Capital One Financial's first-quarter profit rose 35% as customers paid more on the company's credit-card loans amid higher interest rates.

Capital One's first-quarter profit jumps on interest income boost

Net of adjusting items, First Quarter 2024 Net Income of $3.21 per share(1) MCLEAN, Va. , April 25, 2024 /PRNewswire/ -- Capital One Financial Corporation (NYSE: COF) today announced net income for the first quarter of 2024 of $1.3 billion, or $3.13 per diluted common share, compared with net income of $706 million, or $1.67 per diluted common share in the fourth quarter of 2023, and with net income of $960 million, or $2.31 per diluted common share in the first quarter of 2023.

Capital One Reports First Quarter 2024 Net Income of $1.3 billion, or $3.13 per share

A comment period extension for the blockbuster $35 billion acquisition of Discover Financial Services by Capital One Financial Corp. isn't a signal that the deal will be spiked for being anti-competitive, analysts said.

Capital One-Discover merger comment period extended by Feds in move seen as routine

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T-Mobile US

VeriSign

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U.S. bank regulators announced Wednesday they were extending the comment period on Capital One's bid to acquire Discover Financial to allow more time for feedback.

News for Capital One Stock (COF)