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Jun 30, 2023

Capital One Q2 2023 Earnings Report

Capital One reported second quarter net income with increased total net revenue and decreased non-interest expense.

Key Takeaways

Capital One reported a net income of $1.4 billion for the second quarter of 2023, or $3.52 per diluted common share. Total net revenue increased by 1% to $9.0 billion, while total non-interest expense decreased by 3% to $4.8 billion.

Total net revenue increased by 1% to $9.0 billion.

Total non-interest expense decreased by 3% to $4.8 billion.

Pre-provision earnings increased 7% to $4.2 billion.

Period-end loans held for investment increased by $2.5 billion, or 1%, to $311.3 billion.

Total Revenue
$9.01B
Previous year: $8.23B
+9.5%
EPS
$3.52
Previous year: $4.96
-29.0%
Credit Card Loans
$143B
Previous year: $121B
+17.9%
Consumer Banking Loans
$77.3B
Previous year: $81.5B
-5.2%
Commercial Banking Loans
$91.6B
Previous year: $94B
-2.6%
Gross Profit
$9.01B
Previous year: $8.23B
+9.5%
Cash and Equivalents
$42B
Previous year: $22.3B
+89.0%
Free Cash Flow
$3.15B
Previous year: $2.76B
+14.0%
Total Assets
$468B
Previous year: $440B
+6.2%

Capital One

Capital One

Forward Guidance

The company will hold an earnings conference call on July 20, 2023 at 5:00 PM Eastern Time. The conference call will be accessible through live webcast.