Capital One(COF) ZACKS·2025-04-22 23:05Core Insights - Capital One reported revenue of $10 billion for the quarter ended March 2025, reflecting a 6.4% increase year-over-year, with EPS at $4.06 compared to $3.21 in the same quarter last year [1] - The reported revenue was slightly below the Zacks Consensus Estimate of $10.03 billion, resulting in a revenue surprise of -0.28%, while the EPS exceeded expectations by 10.93% [1] Financial Performance Metrics - Efficiency Ratio was reported at 59%, higher than the estimated 53.4% [4] - Net charge-off rate stood at 3.4%, better than the estimated 3.6% [4] - Net Interest Margin was 6.9%, slightly below the average estimate of 7% [4] - Average Balance of Total interest-earning assets was $462.77 billion, exceeding the estimate of $461.83 billion [4] - Tier 1 Capital Ratio was reported at 14.9%, lower than the estimated 15% [4] Revenue Breakdown - Total net revenue from Credit Card was $7.17 billion, compared to the estimated $7.27 billion, marking a year-over-year increase of 6.2% [4] - Total net revenue from Consumer Banking was $2.13 billion, below the estimate of $2.18 billion, representing a year-over-year decrease of 2% [4] - Total net revenue from Domestic Credit Card was $6.80 billion, slightly below the estimate of $6.90 billion, with a year-over-year change of 6.6% [4] - Total net revenue from Other was -$175 million, better than the estimated -$347.14 million, showing a year-over-year decline of 55.8% [4] - Total net revenue from Commercial Banking was $884 million, surpassing the estimate of $853.98 million, with a year-over-year change of 0.5% [4] Stock Performance - Capital One's shares have returned -8.7% over the past month, compared to the Zacks S&P 500 composite's -8.9% change [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market in the near term [3]