Capital One (COF) reported $12.49 billion in revenue for the quarter ended June 2025, representing a year-over-year increase of 31.4%. EPS of $5.48 for the same period compares to $3.14 a year ago.
The reported revenue compares to the Zacks Consensus Estimate of $12.22 billion, representing a surprise of +2.18%. The company delivered an EPS surprise of +43.08%, with the consensus EPS estimate being $3.83.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
Here is how Capital One performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
- Efficiency Ratio: 56% compared to the 54.3% average estimate based on 12 analysts.
- Net Interest Margin: 7.6% versus 7.3% estimated by 12 analysts on average.
- Net charge-off rate: 3.2% compared to the 3.5% average estimate based on 10 analysts.
- Average Balance - Total interest-earning assets: $524.93 billion versus the seven-analyst average estimate of $483.76 billion.
- Net charge-off rate - Credit Card: 5.2% compared to the 5.7% average estimate based on six analysts.
- Net charge-off rate - Commercial Banking: 0.3% versus the six-analyst average estimate of 0.3%.
- Net charge-off rate - Consumer Banking: 1.3% compared to the 1.8% average estimate based on six analysts.
- Total net revenue- Commercial Banking: $937 million compared to the $913.72 million average estimate based on six analysts. The reported number represents a change of +6.5% year over year.
- Total net revenue- Credit Card: $9.1 billion versus the six-analyst average estimate of $7.48 billion. The reported number represents a year-over-year change of +33.8%.
- Total net revenue- Credit Card- Domestic: $8.57 billion versus $7.11 billion estimated by five analysts on average. Compared to the year-ago quarter, this number represents a +33.1% change.
- Total net revenue- Other: $-96 million versus $-256.62 million estimated by five analysts on average. Compared to the year-ago quarter, this number represents a -74.1% change.
- Total net revenue- Consumer Banking: $2.56 billion versus $2.3 billion estimated by five analysts on average. Compared to the year-ago quarter, this number represents a +16.3% change.
View all Key Company Metrics for Capital One here>>>
Shares of Capital One have returned +7.1% over the past month versus the Zacks S&P 500 composite's +5.9% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
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Capital One Financial Corporation (COF): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
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