Here's What Key Metrics Tell Us About Capital One (COF) Q2 Earnings

Core Insights - Capital One reported $12.49 billion in revenue for the quarter ended June 2025, a year-over-year increase of 31.4% [1] - The EPS for the same period was $5.48, compared to $3.14 a year ago, indicating a significant growth [1] - The reported revenue exceeded the Zacks Consensus Estimate of $12.22 billion by 2.18%, and the EPS surprised by 43.08% against the consensus estimate of $3.83 [1] Financial Performance Metrics - Efficiency Ratio stood at 56%, slightly above the average estimate of 54.3% based on 12 analysts [4] - Net Interest Margin was reported at 7.6%, compared to the estimated 7.3% by 12 analysts [4] - The Net Charge-off Rate was 3.2%, better than the average estimate of 3.5% based on 10 analysts [4] Revenue Breakdown - Total net revenue from Commercial Banking was $937 million, exceeding the average estimate of $913.72 million, representing a year-over-year change of 6.5% [4] - Total net revenue from Credit Card was $9.1 billion, significantly higher than the average estimate of $7.48 billion, with a year-over-year increase of 33.8% [4] - Total net revenue from Consumer Banking was $2.56 billion, surpassing the average estimate of $2.3 billion, reflecting a year-over-year growth of 16.3% [4]