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Sep 30, 2022

Capital One Q3 2022 Earnings Report

Reported net income of $1.7 billion, or $4.20 per share, demonstrating strong growth and revenue.

Key Takeaways

Capital One reported a net income of $1.7 billion for Q3 2022, with total net revenue increasing by 7% to $8.8 billion. The company saw growth in loans and deposits, and is focusing on marketing and asset growth to deliver long-term shareholder value.

Total net revenue increased 7 percent to $8.8 billion.

Pre-provision earnings increased 6 percent to $3.9 billion.

Period-end loans held for investment in the quarter increased $7.6 billion, or 3 percent, to $303.9 billion.

Period-end total deposits increased $9.3 billion, or 3 percent, to $317.2 billion.

Total Revenue
$8.81B
Previous year: $7.83B
+12.5%
EPS
$4.2
Previous year: $6.86
-38.8%
Credit Card Loans
$127B
Previous year: $105B
+20.9%
Consumer Banking Loans
$81.2B
Previous year: $77.1B
+5.3%
Commercial Banking Loans
$95.8B
Previous year: $79.2B
+21.0%
Gross Profit
$8.81B
Previous year: $7.83B
+12.5%
Cash and Equivalents
$25.3B
Previous year: $26.9B
-5.8%
Free Cash Flow
$2.56B
Previous year: $1.79B
+42.7%
Total Assets
$444B
Previous year: $425B
+4.4%

Capital One

Capital One

Forward Guidance

The company is in a strong position to deliver compelling long-term shareholder value as modern digital technology continues to transform banking.