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Sep 30, 2025
Capital One Q3 2025 Earnings Report
Capital One reported strong Q3 results, rebounding from a prior quarter loss with higher net income and revenue.
Key Takeaways
Capital One delivered a strong Q3 2025 with net income of $3.2B and robust performance in its credit card business. The company demonstrated growth in revenue and net interest margin, alongside solid capital ratios and credit quality improvements.
Revenue by Segment
Forward Guidance
Capital One did not issue formal quantitative guidance, but highlighted confidence in earnings sustainability, strong capital levels, and ongoing Discover integration progress.
Positive Outlook
- Adjusted EPS remained strong at $5.95
- Net interest margin expanded to 8.36%
- Pre-provision earnings rose to $7.1B
- Credit metrics improved, with lower charge-off rate
- Discover integration continues ahead of plan
Challenges Ahead
- Operating expenses increased due to integration costs
- Slight increase in delinquency rates
- Efficiency ratio slightly worsened from last year
- Net charge-offs increased QoQ and YoY
- Consumer banking loans grew modestly compared to credit card segment
Historical Earnings Impact
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Avg. Return Before/After Earnings
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