COF
Capital One·NYSE
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COF fundamentals
Capital One (COF) released its earnings on Oct 21, 2025: revenue was 15.36B (YoY +53.45%), beat estimates; EPS was 5.95 (YoY +31.93%), beat estimates.
Revenue / YoY
15.36B
+53.45%
EPS / YoY
5.95
+31.93%
Report date
Oct 21, 2025
COF Earnings Call Summary for Q3,2025
- Revenue Surge: Q3 revenue up 23% YoY, driven by Discover integration. Domestic Card purchase volume grew 39% YoY, with legacy growth at 6.5%.
- Credit Strength: Charge-off rate improved 62 bps QoQ to 4.63%, with delinquency rate stable at 3.89%. Auto charge-offs down 51 bps YoY.
- Margin Expansion: NIM at 8.36%, up 74 bps QoQ, with 45 bps from Discover and 29 bps from legacy margin growth.
- Capital Action: $16 billion buyback authorization announced, with dividend hike to $0.80 per share.
- Strategic Focus: Sustained investment in premium cards, AI, and Discover network expansion, targeting $2.5 billion in synergies.
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Key Indicators
Capital One (COF) key financial stats and ratios, covering profitability, financial health, and leverage.
Capital One (COF)'s revenue and profit trends over recent years, visualized with a waterfall chart to showcase the revenue-to-profit funnel.
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Capital One (COF)'s asset and liability trends over recent years, visualized with a waterfall chart to illustrate changes in its asset-liability structure.
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Capital One (COF)'s cash flow trends over recent years, visualized with a waterfall chart to illustrate changes in its operating, investing, and financing cash flows.
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Where does Capital One (COF) generate its revenue? Explore its key revenue streams and top earning regions.
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Track Capital One (COF) Dividend Yield, Payout Ratio & Sustainability Through Its Dividend History
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You can ask Aime
What does Capital One do and what are its main business segments?What guidance did Capital One's management provide for the next earnings period?What is the market's earnings forecast for Capital One next quarter?What were the key takeaways from Capital One's earnings call?What is the revenue and EPS growth rate for Capital One year over year?What is Capital One's gross profit margin?What factors drove the changes in Capital One's revenue and profit?What is Capital One's latest dividend and current dividend yield?
