Capital One Financial
0HT4.L
$231.20 1.05%
Exchange: LSE | Sector: Financial Services | Industry: Financial Diversified
Q4 2024
Published: Feb 20, 2025

Earnings Highlights

  • Revenue of $13.81B up 5.2% year-over-year
  • EPS of $2.67 increased by 59.9% from previous year
  • Gross margin of 54.7%
  • Net income of 1.10B
  • ""Our strategic shifts towards digital banking have allowed us to maintain customer engagement, even as transaction volumes fluctuate."" - Richard Fairbank, CEO
0HT4.L
Capital One Financial Corporation

Executive Summary

In Q4 2024, Capital One Financial Corporation reported a revenue of $13.81 billion, reflecting a year-over-year growth of 5.16%. The net income reached $1.10 billion with earnings per share (EPS) of $2.67, representing a significant year-on-year increase of 59.88%. Despite the challenges posed by market conditions, including competitive pressures, the company demonstrated resilience with strong gross profit margins. However, operating income declined by 17.99% year-over-year, highlighting some pressures on profitability. CEO's remarks emphasized the focus on strengthening digital offerings to enhance customer experience and navigate current market dynamics effectively.

Key Performance Indicators

Revenue
Increasing
13.81B
QoQ: 0.08% | YoY: 5.16%
Gross Profit
Increasing
7.55B
54.66% margin
QoQ: 0.21% | YoY: 13.52%
Operating Income
Decreasing
1.46B
QoQ: -34.22% | YoY: -17.99%
Net Income
Increasing
1.10B
QoQ: -38.32% | YoY: 55.24%
EPS
Increasing
2.67
QoQ: -39.59% | YoY: 59.88%

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