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Reported Q: Q4 2024 Rev YoY: +5.2% EPS YoY: +59.9% Move: -0.13%

Capital One Financial

0HT4.L

$222.76 -0.13%

Exchange LSE Sector Financial Services Industry Financial Diversified

Q4 2024

Published: Feb 20, 2025

Company Status Snapshot

Fast view of the latest quarter outcome for 0HT4.L

Reported

Report Date

Feb 20, 2025

Quarter Q4 2024

Revenue

13.81B

YoY: +5.2%

EPS

2.67

YoY: +59.9%

Market Move

-0.13%

Previous quarter: Q3 2024

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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

Period Q4 2024

Currency USD

Report Type Quarterly Earnings

Generated Feb 10, 2026

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

Financial Highlights

Revenue Performance: Q4 revenue increased by 5.16% YoY, showing stability despite competitive market pressures. Q3 2024 revenue was $13.80 billion, marginally up by 0.08% QoQ.

Profitability Metrics:
- Gross Profit: $7.55 billion (YoY +13.52%), Gross Profit Margin 54.66%.
- Operating Income: $1.46 billion, down 17.99% YoY, indicating margin squeeze in operational efficiency.
- Net Income: $1.10 billion, significant growth YoY (+55.24%), but down 38.32% QoQ.

EPS: $2.67, with a robust YoY increase of 59.88% but a QoQ drop of 39.59%. These results underline the volatility of earnings in a challenging financial landscape.

Income Statement

Metric	Value	YoY Change	QoQ Change
Revenue	13.81B	5.16%	0.08%
Gross Profit	7.55B	13.52%	0.21%
Operating Income	1.46B	-17.99%	-34.22%
Net Income	1.10B	55.24%	-38.32%
EPS	2.67	59.88%	-39.59%

Key Financial Ratios

Operating Profit Margin

Fair

7.17%

Operating margin is moderate, room for improvement in cost management

Net Profit Margin

Fair

8.15%

Net profit margin is moderate, room for improvement in cost management

Return on Assets

Weak

0.22%

Return on assets suggests inefficient capital allocation

Return on Equity

Weak

1.78%

Return on equity suggests inefficient capital allocation

Debt to Equity

Elevated

0.67

Debt-to-equity shows significant leverage, monitor debt levels

P/E Ratio

Fair Value

15.79x

P/E ratio in line with market averages

Price to Book

Fair Value

1.12x

Price-to-book ratio reasonable for profitable companies

Historical Earnings Comparison

Period	Revenue ($M)	EPS ($)	YoY Growth	Report
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

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Company Status Snapshot

Earnings Highlights

Executive Summary

Key Performance Indicators

Revenue Trend

Margin Analysis

Financial Highlights

Income Statement

Key Financial Ratios

Management Insights Available for Members

Peer Comparison Available for Members

Investment Outlook & SWOT Available for Members

Historical Earnings Comparison

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