Seeking Clues to Capital One (COF) Q4 Earnings? A Peek Into Wall Street Projections for Key Metrics

Core Viewpoint - Analysts project that Capital One (COF) will report quarterly earnings of $2.68 per share, reflecting a year-over-year increase of 19.6$10.13 billion, a 6.6% increase from the same quarter last year [1]. Earnings Estimates - Over the last 30 days, there has been a downward revision of 2% in the consensus EPS estimate for the quarter, indicating a collective reconsideration by covering analysts [2]. - Revisions to earnings estimates are significant indicators for predicting potential investor actions regarding the stock, with empirical research showing a strong correlation between earnings estimate trends and short-term stock price performance [3]. Revenue Projections - Analysts predict 'Total net revenue- Credit Card' will reach $7.41 billion, indicating a year-over-year change of +9$2.22 billion, reflecting a +4.8% change year over year [5]. - 'Total net revenue- Credit Card- Domestic' is expected to be $6.96 billion, with a year-over-year change of +8.2$859.94 million, showing a -0.2% change from the prior-year quarter [6]. Key Financial Metrics - The 'Net Interest Margin' is projected to reach 7.1%, up from 6.7% a year ago [6]. - The 'Net charge-off rate' is expected to be 3.5%, compared to 3.2% in the previous year [6]. - The consensus estimate for the 'Efficiency Ratio' stands at 56.4%, down from 60.1% a year ago [7]. - The estimated 'Average Balance - Total interest-earning assets' is $459.48 billion, compared to$446.93 billion in the same quarter last year [7]. Capital Ratios - Analysts estimate the 'Total Capital Ratio' to reach 16.2%, up from 16% in the same quarter last year [8]. - The 'Tier 1 Capital Ratio' is forecasted to be 14.6%, compared to 14.2% a year ago [8]. - The 'Tier 1 Leverage Ratio' is expected to be 11.4%, slightly up from 11.2% in the previous year [9]. Stock Performance - Over the past month, Capital One shares have recorded returns of +2%, contrasting with the Zacks S&P 500 composite's -3.3% change [10].