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

Capital One (COF) reported $12.49 billion in revenue for the quarter ended June 2025, representing a year-over-year increase of 31.4%. EPS of $5.48 for the same period compares to $3.14 a year ago.The reported revenue compares to the Zacks Consensus Estimate of $12.22 billion, representing a surprise of +2.18%. The company delivered an EPS surprise of +43.08%, with the consensus EPS estimate being $3.83.While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.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: 56% compared to the 54.3% average estimate based on 12 analysts.Net Interest Margin: 7.6% versus 7.3% estimated by 12 analysts on average.Net charge-off rate: 3.2% compared to the 3.5% average estimate based on 10 analysts.Average Balance - Total interest-earning assets: $524.93 billion versus the seven-analyst average estimate of $483.76 billion.Net charge-off rate - Credit Card: 5.2% compared to the 5.7% average estimate based on six analysts.Net charge-off rate - Commercial Banking: 0.3% versus the six-analyst average estimate of 0.3%.Net charge-off rate - Consumer Banking: 1.3% compared to the 1.8% average estimate based on six analysts.Total net revenue- Commercial Banking: $937 million compared to the $913.72 million average estimate based on six analysts. The reported number represents a change of +6.5% year over year.Total net revenue- Credit Card: $9.1 billion versus the six-analyst average estimate of $7.48 billion. The reported number represents a year-over-year change of +33.8%.Total net revenue- Credit Card- Domestic: $8.57 billion versus $7.11 billion estimated by five analysts on average. Compared to the year-ago quarter, this number represents a +33.1% change.Total net revenue- Other: $-96 million versus $-256.62 million estimated by five analysts on average. Compared to the year-ago quarter, this number represents a -74.1% change.Total net revenue- Consumer Banking: $2.56 billion versus $2.3 billion estimated by five analysts on average. Compared to the year-ago quarter, this number represents a +16.3% change.View all Key Company Metrics for Capital One here>>>Shares of Capital One have returned +7.1% over the past month versus the Zacks S&P 500 composite's +5.9% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.Zacks' Research Chief Names "Stock Most Likely to Double"Our team of experts has just released the 5 stocks with the greatest probability of gaining +100% or more in the coming months. Of those 5, Director of Research Sheraz Mian highlights the one stock set to climb highest.This top pick is a little-known satellite-based communications firm. Space is projected to become a trillion dollar industry, and this company's customer base is growing fast. Analysts have forecasted a major revenue breakout in 2025. Of course, all our elite picks aren't winners but this one could far surpass earlier Zacks' Stocks Set to Double like Hims & Hers Health, which shot up +209%.Free: See Our Top Stock And 4 Runners UpWant 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