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Dec 31, 2025
Capital One Q4 2025 Earnings Report
Capital One reported solid Q4 2025 results with strong top-line growth and stable credit performance.
Key Takeaways
Capital One delivered $2.1 billion in net income and $3.26 EPS in Q4 2025, supported by growth across credit card, consumer, and commercial banking, despite a higher provision for credit losses.
Revenue by Segment
Forward Guidance
Capital One remains confident in long-term growth prospects, supported by stable credit performance and the Brex acquisition.
Positive Outlook
- Strong capital position with 14.3% CET1 ratio
- Continued growth in credit card and consumer loan balances
- Brex acquisition to enhance commercial capabilities
- Stable net interest margin above 8%
- Technology investments supporting operational efficiency
Challenges Ahead
- Increase in provision for credit losses to $4.1B
- Marketing expenses surged 38% QoQ
- Efficiency ratio rose to 59.95%
- Net income declined from Q3 ($3.2B to $2.1B)
- Charge-off rates increased across segments
Historical Earnings Impact
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Avg. Return Before/After Earnings
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