- Capital One’s adjusted earnings per share (EPS) for the second quarter of 2025 were $5.48, exceeding the estimated $3.88 and significantly up from $3.14 year-over-year (y/y).
- Net revenue reached $12.49 billion, marking a 31% increase y/y, surpassing the $11.84 billion estimate.
- Net interest income was reported at $10.00 billion, a 32% rise y/y, ahead of the estimated $9.61 billion.
- Non-interest income climbed 27% y/y to $2.50 billion, slightly above the $2.48 billion estimate.
- The net interest margin improved to 7.62%, compared to 6.7% y/y, and exceeded the 7.43% estimate.
- Non-interest expenses totaled $6.99 billion, growing 41% y/y, exceeding the anticipated $6.73 billion.
- Marketing expenses increased by 26% y/y to $1.35 billion, slightly higher than the forecasted $1.32 billion.
- The tangible book value per share was $99.35, slightly up from $99.28 y/y but below the $103.39 estimate.
- Loans held for investment expanded by 38% y/y to $439.30 billion, surpassing the $397.5 billion estimate.
- Analyst recommendations for Capital One include 20 buys, 5 holds, and 1 sell.
A look at Capital One Financial Smart Scores
| Factor | Score | Magnitude |
|---|---|---|
| Value | 4 | |
| Dividend | 2 | |
| Growth | 3 | |
| Resilience | 3 | |
| Momentum | 5 | |
| OVERALL SMART SCORE | 3.4 |
Smart Score is a compound score for the Company indicating its overall outlook. It is derived by taking an equally weighted average of underlying Factor scores computed by Smartkarma
Based on the Smartkarma Smart Scores, Capital One Financial shows a promising long-term outlook. The company scores high in momentum, indicating strong performance in market trends and stock price. Additionally, Capital One ranks well in terms of value, suggesting that it is trading at an attractive valuation compared to its peers. While the dividend and growth scores are moderate, the company’s resilience score is also solid, highlighting its ability to withstand economic challenges.
Looking ahead, Capital One Financial appears well-positioned to capitalize on its strengths in momentum and value. With a diverse range of financial products and services offered to a wide customer base, the company’s strategic presence in several states further enhances its market reach. Overall, Capital One’s strong momentum score coupled with a solid value score bodes well for its continued growth and stability in the long term.
Disclaimer: This article by Smartkarma is general in nature and based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. Note that our articles may not factor in the latest price-sensitive company announcements or qualitative material.
While all reasonable care has been taken in the preparation, Smartkarma makes no assurance about the accuracy of any generated data or content. All content is indicative only and should be independently checked for accuracy and confirmed before use. Smartkarma accepts no responsibility for any loss or damage caused as a result of any inaccuracy or error within the Lab online tools or generated data.
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