For the quarter ended December 2025, Capital One (COF) reported revenue of $15.58 billion, up 52.9% over the same period last year. EPS came in at $3.86, compared to $3.09 in the year-ago quarter.
The reported revenue compares to the Zacks Consensus Estimate of $15.37 billion, representing a surprise of +1.38%. The company delivered an EPS surprise of -6.37%, with the consensus EPS estimate being $4.12.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
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: 60% compared to the 55.8% average estimate based on five analysts.
- Average Balance - Total interest-earning assets: $603.73 billion compared to the $587.76 billion average estimate based on five analysts.
- Net Interest Margin: 8.3% compared to the 8.4% average estimate based on five analysts.
- Net charge-off rate: 3.5% versus 3.2% estimated by three analysts on average.
- Tier 1 Leverage Ratio: 12.5% versus the two-analyst average estimate of 12%.
- Net charge-off rate - Consumer Banking: 1.9% versus 1.7% estimated by two analysts on average.
- Net charge-off rate - Credit Card: 4.9% versus the two-analyst average estimate of 4.9%.
- Total net revenue- Commercial Banking: $930 million compared to the $1.02 billion average estimate based on three analysts. The reported number represents a change of -2.4% year over year.
- Total net revenue- Consumer Banking: $2.92 billion versus the three-analyst average estimate of $2.98 billion. The reported number represents a year-over-year change of +36.3%.
- Total net revenue- Credit Card- Domestic: $11.02 billion compared to the $10.83 billion average estimate based on three analysts. The reported number represents a change of +57.6% year over year.
- Total net revenue- Other: $41 million versus the three-analyst average estimate of $-210.39 million. The reported number represents a year-over-year change of -115.3%.
- Total net revenue- Credit Card: $11.69 billion versus $11.44 billion estimated by three analysts on average. Compared to the year-ago quarter, this number represents a +58.8% change.
View all Key Company Metrics for Capital One here>>>
Shares of Capital One have returned -7% over the past month versus the Zacks S&P 500 composite's +0.7% 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.
Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report
Capital One Financial Corporation (COF): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
Zacks Investment Research
