Capital One Financial Corp.
COF
Market Cap$137.11B
Close$
Earnings Call Q2 2025
July 23, 2025 - AI Summary
Acquisition of Discover: Capital One successfully closed the acquisition of Discover on May 18, 2025. This acquisition significantly impacted Q2 results, contributing $2 billion in revenue but also leading to a net loss of $6.4 billion in continuing operations due to integration costs and purchase accounting effects. Investors can expect integration costs to exceed the previously announced $2.8 billion as the company delves deeper into the acquisition process.
Impact on Financials: On a GAAP basis, Capital One reported a net loss of $4.3 billion for Q2 2025, translating to a loss of $8.58 per diluted common share. However, adjusted net income reached $2.8 billion, translating to diluted earnings per share of $5.48. Revenue increased by $2.5 billion, or 25%, from the previous quarter, primarily due to the Discover acquisition.
Provision for Credit Losses: The provision for credit losses amounted to $11.4 billion, largely influenced by an $8.8 billion initial allowance for the Discover portfolio. This indicates challenges ahead as credit losses remain a focus, but the legacy Capital One portfolio showed stable performance, mitigating some concerns.
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$668.83
212% upside
Current Fair Value
212% upsideUndervalued by 212% based on the discounted cash flow analysis.
Share Statistics
| Market cap | $137.11 Billion |
|---|---|
| Enterprise Value | $130.67 Billion |
| Dividend Yield | $2.40 (1.12%) |
| Earnings per Share | $11.61 |
| Beta | 1.18 |
| Outstanding Shares | 444,700,000 |
Return
| Return on Equity | - |
|---|---|
| Return on Assets | - |
| Return on Invested Capital | - |
Valuation & Multiples
| P/E Ratio | 0 |
|---|---|
| PEG | 0 |
| Price to Sales | 2.12 |
| Price to Book Ratio | 0.86 |
| Enterprise Value to Revenue | 2.9 |
| Enterprise Value to EBIT | 11.56 |
| Enterprise Value to Net Income | -762 |
| Total Debt to Enterprise | 0.4 |
| Debt to Equity | 0.47 |
Revenue Sources
No data
Insider Trades
ESG Score
No data
About Capital One Financial Corp.
51,985 employees
CEO: Richard Fairbank Capital One Financial Corporation is a financial holding company whose subsidiaries, which include Capital One, N.A., and Capital One Bank (USA), N.A., had $305.4 billion in deposits and $421.6 billion in total assets as of December 31,...