Capital One Financial
0HT4.L
$230.69 0.83%
Exchange: LSE | Sector: Financial Services | Industry: Financial Diversified
Q1 2025
Published: May 7, 2025

Earnings Highlights

  • Revenue of $13.41B up 2.4% year-over-year
  • EPS of $3.45 increased by 10.2% from previous year
  • Gross margin of 56.9%
  • Net income of 1.40B
  • ""Our commitment to digital transformation is not just about keeping up; itÒ€ℒs about leading the change in financial services and enhancing customer experience."" - CEO
0HT4.L
Capital One Financial Corporation

Executive Summary

In Q1 2025, Capital One Financial Corporation (0HT4.L) reported a revenue of $13.4 billion, a slight year-over-year increase of 2.4%, demonstrating resilience amidst a volatile economic environment. The company achieved a net income of $1.404 billion, reflecting a notable 9.69% increase compared to the previous year, signifying effective cost management and stable credit performance. However, quarter-over-quarter revenue declined by 2.93%, attributed to seasonality in consumer spending and evolving market dynamics.

Management has highlighted the focus on enhancing technology and customer experience, which they believe will drive long-term growth. Capital One is strategically positioned to capitalize on opportunities in digital banking, and management remains optimistic about maintaining this trajectory despite competitive pressures.

Key Performance Indicators

Revenue
Increasing
13.41B
QoQ: -2.93% | YoY: 2.40%
Gross Profit
Increasing
7.63B
56.93% margin
QoQ: 1.10% | YoY: 13.57%
Operating Income
Increasing
1.73B
QoQ: 18.51% | YoY: 9.29%
Net Income
Increasing
1.40B
QoQ: 28.10% | YoY: 9.69%
EPS
Increasing
3.46
QoQ: 29.59% | YoY: 10.19%

Revenue Trend

Margin Analysis

Historical Earnings Comparison

PeriodRevenue ($M)EPS ($)YoY GrowthReport
Q3 2025 19,718.00 4.83 +42.9% View
Q2 2025 21,091.51 -7.40 +59.3% View
Q1 2025 13,405.00 3.45 +2.4% View
Q4 2024 13,809.00 2.67 +5.2% View
Q3 2024 13,798.00 4.41 +47.3% View