Here's What Key Metrics Tell Us About Capital One (COF) Q4 Earnings

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$3.09, up from $2.24 in the same quarter last year, with an EPS surprise of +16.17$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]