Overview - The article compares the Capital One Quicksilver Cash Rewards Credit Card and the Capital One QuicksilverOne Cash Rewards Credit Card, highlighting their differences in fees, rates, benefits, and eligibility requirements [1]. Annual Fee - The Capital One Quicksilver card has no annual fee, while the QuicksilverOne card charges an annual fee of $39 [2]. Introductory APR - The Quicksilver card offers a promotional 0% APR for 15 months on new purchases and balance transfers, after which a variable APR of 18.99% to 28.99% applies. The QuicksilverOne card does not offer an introductory APR and has a higher ongoing variable APR [3][4]. Welcome Bonus - New cardholders of the Quicksilver card can earn a $200 cash bonus after spending $500 within the first three months, along with a $100 travel credit. The QuicksilverOne card does not offer a welcome bonus [5]. Rewards - Both cards provide unlimited 1.5% cash back on all purchases, making them straightforward options for everyday spending [6][7]. Other Benefits - The Quicksilver card includes additional benefits such as extended warranty protection, travel accident insurance, and access to Capital One concierge services. The QuicksilverOne card focuses on credit-building and offers a potential credit limit increase after six months of responsible use [8][9]. Credit Score Requirements - The Quicksilver card requires good to excellent credit (FICO score of 670 or higher), while the QuicksilverOne card is accessible to those with fair to good credit (FICO score of at least 580) [11][12]. Conclusion - The Quicksilver card is recommended for those who prefer a straightforward rewards structure without an annual fee, while the QuicksilverOne card is suitable for individuals looking to build credit despite its annual fee and lack of introductory offers [13][21].

Group 1 - Capital One Financial's shares have increased by 57% over the past year, reaching a 52-week high due to solid Q4 results [1] - The company's business has shown resilience, alleviating concerns regarding worsening credit quality [1]

Louisville, KY, Jan. 23, 2025 (GLOBE NEWSWIRE) -- Signature Healthcare recently experienced a payroll delay affecting some of our Stakeholders due to a disruption caused by Capital One and its third-party payment vendor. On January 17, 2025, a technical issue with Capital One's payment processing system delayed the direct deposit payroll for certain Signature Healthcare facilities. This unforeseen disruption posed temporary challenges for some of our Stakeholders, and we acted promptly to address and resolv ...

Capital One Financial Corp COF reported better-than-expected earnings for the fourth quarter.The company reported its quarterly results amid an exciting earnings season. Here are some key analyst takeaways.RBC Capital Markets analyst Jon Arfstrom reiterated a Sector Perform rating, while raising the price target from $180 to $200.Keefe, Bruyette & Woods analyst Sanjay Sakhrani maintained an Outperform rating and price target of $232.Truist Securities analyst Brian Foran reaffirmed a Buy rating and price tar ...

Capital One’s (COF) fourth-quarter 2024 adjusted earnings of $3.09 per share handily surpassed the Zacks Consensus Estimate of $2.66. The bottom line also compared favorably with $2.24 in the prior-year quarter.Stay up-to-date with all quarterly releases: See Zacks Earnings Calendar.Results gained from higher net interest income (NII) and non-interest income and rise in loans and deposits. Also, provisions declined during the quarter. However, the increase in expenses was the undermining factor.Results excl ...

Financial Data and Key Metrics Changes - No specific financial data or key metrics changes mentioned in the provided content [1][2][3][4][5] Business Line Data and Key Metrics Changes - No specific business line data or key metrics changes mentioned in the provided content [1][2][3][4][5] Market Data and Key Metrics Changes - No specific market data or key metrics changes mentioned in the provided content [1][2][3][4][5] Company Strategy and Development Direction and Industry Competition - No specific company strategy, development direction, or industry competition details mentioned in the provided content [1][2][3][4][5] Management Commentary on Operating Environment and Future Outlook - No specific management commentary on the operating environment or future outlook mentioned in the provided content [1][2][3][4][5] Other Important Information - The earnings call is being webcast live on Capital One's website, and a presentation summarizing the fourth-quarter 2024 results is available [3][5] - The presentation may contain forward-looking statements regarding the company's financial performance [5] Summary of Q&A Session - No Q&A session details provided in the content [1][2][3][4][5]

Capital One's Q4 Performance - Card purchase volumes surged by 7% to $1729 billion, indicating strong consumer spending [1] - Net charge-off rate increased to 6% from 53% a year ago, partly due to the end of the Walmart card partnership and loss sharing agreement [1][2] - 30-day-plus delinquency rate improved year-over-year, dropping to 453% from 461% [3] - Average loans increased by 6%, driven by steady top-line growth and strong margins in the domestic card business [2] Consumer Banking Segment - Auto originations grew by 53% year-over-year, attributed to market growth and the company's strong position in pursuing resilient growth [4] - Ending loans in the consumer banking portfolio increased by 4% year-over-year [5] - Consumer deposits rose by 7% to $3183 billion at the end of the quarter [5] - Credit tightening measures in anticipation of credit score inflation and declining vehicle values resulted in relatively low originations [5] Consumer Trends and Economic Outlook - The US consumer remains a source of strength in the economy, with a strong labor market and stable unemployment rates [7] - Real incomes are growing steadily as inflation settles, though some consumers face pressure due to incomes not keeping up with inflation [7][8] - Consumer debt servicing burdens are stable near pre-pandemic levels, with higher bank account balances compared to pre-pandemic times [8] - The proportion of customers making minimum payments is above pre-pandemic levels, observed across the credit spectrum [9] Strategic Developments - The acquisition of Discover Financial Services remains on track and is expected to close early this year [6]

Fourth Quarter 2024 Results January 21, 2025 1 Forward-Looking Statements This presentation and related communications should be read in conjunction with the financial statements, notes, and other information contained in Capital One's Annual Reports on Form 10-K, Quarterly Reports on Form 10-Q, and Current Reports on Form 8-K. Please note that the following materials containing information regarding Capital One's financial performance is preliminary and based on Capital One's data available at the time of ...

Core Insights - Capital One reported revenue of $10.19 billion for the quarter ended December 2024, reflecting a year-over-year increase of 7.2% [1] - Earnings per share (EPS) reached $3.09, up from $2.24 in the same quarter last year, with an EPS surprise of +16.17% compared to the consensus estimate of $2.66 [1] Financial Performance Metrics - Net Interest Margin was reported at 7%, slightly below the average estimate of 7.1% from 10 analysts [4] - The net charge-off rate stood at 3.6%, slightly above the average estimate of 3.5% based on nine analysts [4] - Efficiency Ratio was 59.8%, higher than the average estimate of 56.4% from nine analysts [4] - Average Balance of Total interest-earning assets was $460.64 billion, exceeding the estimated $459.48 billion [4] - Total Capital Ratio was reported at 16.4%, compared to the average estimate of 16.2% from five analysts [4] Revenue Breakdown - Total net revenue from Credit Card operations was $7.36 billion, slightly below the average estimate of $7.40 billion, with a year-over-year increase of 8.4% [4] - Total net revenue from Consumer Banking was $2.14 billion, below the estimated $2.22 billion, representing a year-over-year change of +1.3% [4] - Total net revenue from Domestic Credit Card operations was $7 billion, exceeding the average estimate of $6.95 billion, with a year-over-year increase of 8.7% [4] - Total net revenue from Other operations was -$268 million, better than the estimated -$402.73 million, with a year-over-year change of +0.8% [4] - Total net revenue from Commercial Banking was $953 million, surpassing the average estimate of $859.94 million, reflecting a year-over-year increase of 10.6% [4] Stock Performance - Capital One shares returned +6.1% over the past month, outperforming the Zacks S&P 500 composite's +1.2% change [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating expected performance in line with the broader market in the near term [3]

Group 1 - Capital One reported quarterly earnings of $3.09 per share, exceeding the Zacks Consensus Estimate of $2.66 per share, and up from $2.24 per share a year ago, representing an earnings surprise of 16.17% [1] - The company posted revenues of $10.19 billion for the quarter ended December 2024, surpassing the Zacks Consensus Estimate by 0.32%, and an increase from $9.51 billion year-over-year [2] - Capital One has outperformed the S&P 500 with a 7.1% gain since the beginning of the year compared to the S&P 500's 2% gain [3] Group 2 - The current consensus EPS estimate for the upcoming quarter is $3.74 on revenues of $9.97 billion, and for the current fiscal year, it is $15.22 on revenues of $40.66 billion [7] - The Zacks Industry Rank for Financial - Consumer Loans is in the bottom 38% of over 250 Zacks industries, indicating potential challenges for stock performance [8]