Capital One Financial Corp.
COF
Market Cap$123.44B
Close$
Earnings Call Q1 2025
April 22, 2025 - AI Summary
Strong Q1 Performance: Capital One reported Q1 2025 earnings of $1.4 billion or $3.45 per share, with an adjusted EPS of $4.06. Pre-provision earnings were flat at $4.1 billion quarter-over-quarter but showed a 2% increase on an adjusted basis. This indicates stability in earnings amidst market uncertainties.
Credit Quality Improvements and Reserve Release: The company released $368 million from its allowance for credit losses due to favorable credit performance and stable delinquency rates, bringing the allowance balance to $15.9 billion. The total portfolio coverage ratio decreased slightly to 4.91%, reflecting improved consumer credit conditions, which is a positive sign for future profitability.
Consumer Health Remains Strong: Despite concerns about the economic environment, the U.S. consumer remains robust. Unemployment is low and wages are growing, while payment rates and delinquency rates are improving. Capital One's delinquency rates improved year-over-year, suggesting a healthy customer base, although some subprime consumers may still face pressures.
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$222.13
14.5% upside
Current Fair Value
14.5% upsideUndervalued by 14.5% based on the discounted cash flow analysis.
Share Statistics
| Market cap | $123.44 Billion |
|---|---|
| Enterprise Value | $165.21 Billion |
| Dividend Yield | $2.4 (1.24461961313074%) |
| Earnings per Share | $11.61 |
| Beta | 1.13 |
| Outstanding Shares | 383,100,000 |
Return
| Return on Equity | - |
|---|---|
| Return on Assets | - |
| Return on Invested Capital | - |
Valuation & Multiples
| P/E Ratio | 15.16 |
|---|---|
| PEG | -15.16 |
| Price to Sales | 2.0 |
| Price to Book Ratio | 1.18 |
| Enterprise Value to Revenue | 4.44 |
| Enterprise Value to EBIT | 52.88 |
| Enterprise Value to Net Income | 48 |
| Total Debt to Enterprise | 0.25 |
| Debt to Equity | 0.66 |
Revenue Sources
No data
Insider Trades
ESG Score
No data
About Capital One Financial Corp.
51,985 employees
CEO: Richard Fairbank Capital One Financial Corporation is a financial holding company whose subsidiaries, which include Capital One, N.A., and Capital One Bank (USA), N.A., had $305.4 billion in deposits and $421.6 billion in total assets as of December 31,...