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Dec 31, 2023

Capital One Q4 2023 Earnings Report

Capital One reported a net income of $706 million for Q4 2023, with earnings per share (EPS) at $1.67. Adjusted EPS, excluding specific items, was $2.24. The company saw a slight increase in total net revenue and managed a solid balance sheet.

Key Takeaways

Capital One's Q4 2023 results showed a net income of $706 million, or $1.67 per share. Total net revenue increased slightly, and the balance sheet remained strong. The quarter was impacted by a FDIC special assessment.

Net income for Q4 2023 was $706 million, or $1.67 per diluted common share.

Total net revenue increased 1 percent to $9.5 billion.

Period-end loans held for investment increased by $5.7 billion, or 2 percent, to $320.5 billion.

Period-end total deposits increased $2.4 billion, or 1 percent, to $348.4 billion.

Total Revenue
$9.51B
Previous year: $9.04B
+5.2%
EPS
$2.24
Previous year: $2.82
-20.6%
Credit Card Loans
$155B
Previous year: $138B
+12.2%
Consumer Banking Loans
$75.4B
Previous year: $79.9B
-5.6%
Commercial Banking Loans
$90.5B
Previous year: $94.7B
-4.4%
Gross Profit
$13.1B
Previous year: $9.04B
+45.3%
Cash and Equivalents
$43.8B
Previous year: $31.3B
+40.0%
Free Cash Flow
$6.84B
Previous year: $7.87B
-13.1%
Total Assets
$478B
Previous year: $455B
+5.1%

Capital One

Capital One

Capital One Revenue by Segment

Forward Guidance

Capital One did not provide specific forward guidance in this earnings report. The report focused on the results of the fourth quarter of 2023 and full year 2023.