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

Capital One (COF) reported $15.36 billion in revenue for the quarter ended September 2025, representing a year-over-year increase of 53.4%. EPS of $5.95 for the same period compares to $4.51 a year ago.The reported revenue compares to the Zacks Consensus Estimate of $14.9 billion, representing a surprise of +3.09%. The company delivered an EPS surprise of +41.67%, with the consensus EPS estimate being $4.20.While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.Here is how Capital One performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:Efficiency Ratio: 53.8% versus the five-analyst average estimate of 54.1%.Net Interest Margin: 8.4% versus 8.2% estimated by five analysts on average.Average Balance - Total interest-earning assets: $593.25 billion compared to the $577.08 billion average estimate based on four analysts.Net charge-off rate: 3.2% compared to the 3.1% average estimate based on three analysts.Tier 1 Leverage Ratio: 12.6% versus 12.1% estimated by two analysts on average.Net charge-off rate - Credit Card: 4.6% compared to the 4.7% average estimate based on two analysts.Total Capital Ratio: 17.4% versus 16.6% estimated by two analysts on average.Total net revenue- Commercial Banking: $904 million compared to the $1.02 billion average estimate based on three analysts. The reported number represents a change of +1.8% year over year.Total net revenue- Consumer Banking: $2.83 billion compared to the $2.79 billion average estimate based on three analysts. The reported number represents a change of +28.1% year over year.Total net revenue- Credit Card- Domestic: $10.93 billion versus the three-analyst average estimate of $10.66 billion. The reported number represents a year-over-year change of +59%.Total net revenue- Other: $16 million versus the three-analyst average estimate of $-142 million. The reported number represents a year-over-year change of -104.8%.Total net revenue- Credit Card: $11.61 billion versus the three-analyst average estimate of $11.3 billion. The reported number represents a year-over-year change of +60.1%.View all Key Company Metrics for Capital One here>>>Shares of Capital One have returned -4.7% over the past month versus the Zacks S&P 500 composite's +1.2% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.5 Stocks Set to DoubleEach was handpicked by a Zacks expert as the favorite stock to gain +100% or more in the months ahead. They includeStock #1: A Disruptive Force with Notable Growth and ResilienceStock #2: Bullish Signs Signaling to Buy the DipStock #3: One of the Most Compelling Investments in the MarketStock #4: Leader In a Red-Hot Industry Poised for GrowthStock #5: Modern Omni-Channel Platform Coiled to SpringMost of the stocks in this report are flying under Wall Street radar, which provides a great opportunity to get in on the ground floor. While not all picks can be winners, previous recommendations have soared +171%, +209% and +232%.Download Atomic Opportunity: Nuclear Energy's Comeback free today.Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Capital One Financial Corporation (COF): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).Zacks Investment ResearchWeiter zum vollständigen Artikel bei Zacks Weiter zum vollständigen Artikel bei Zacks