Compared to Estimates, Capital One (COF) Q3 Earnings: A Look at Key Metrics

Core Insights - Capital One reported a revenue of $15.36 billion for Q3 2025, marking a year-over-year increase of 53.4% and exceeding the Zacks Consensus Estimate of $14.9 billion by 3.09% [1] - The company's EPS for the same quarter was $5.95, up from $4.51 a year ago, representing a surprise of 41.67% compared to the consensus estimate of $4.20 [1] Financial Metrics - Efficiency Ratio stood at 53.8%, slightly better than the average estimate of 54.1% [4] - Net Interest Margin was reported at 8.4%, exceeding the estimated 8.2% [4] - Average Balance of Total Interest-Earning Assets was $593.25 billion, surpassing the average estimate of $577.08 billion [4] - Net Charge-Off Rate was 3.2%, slightly above the average estimate of 3.1% [4] - Tier 1 Leverage Ratio was 12.6%, higher than the estimated 12.1% [4] - Net Charge-Off Rate for Credit Cards was 4.6%, below the average estimate of 4.7% [4] - Total Capital Ratio was reported at 17.4%, exceeding the estimated 16.6% [4] Revenue Breakdown - Total Net Revenue from Commercial Banking was $904 million, below the average estimate of $1.02 billion, with a year-over-year change of +1.8% [4] - Total Net Revenue from Consumer Banking was $2.83 billion, slightly above the average estimate of $2.79 billion, reflecting a year-over-year increase of 28.1% [4] - Total Net Revenue from Domestic Credit Cards was $10.93 billion, exceeding the average estimate of $10.66 billion, with a year-over-year change of +59% [4] - Total Net Revenue from Other sources was $16 million, significantly better than the average estimate of -$142 million, showing a year-over-year change of -104.8% [4] - Total Net Revenue from Credit Cards overall was $11.61 billion, surpassing the average estimate of $11.3 billion, with a year-over-year change of +60.1% [4] Stock Performance - Capital One's shares have returned -4.7% over the past month, contrasting with the Zacks S&P 500 composite's +1.2% change [3] - The stock currently holds a Zacks Rank 2 (Buy), indicating potential for outperformance in the near term [3]