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![FirstSquawk Avatar](https://lunarcrush.com/gi/w:24/cr:twitter::3295423333.png) First Squawk [@FirstSquawk](/creator/twitter/FirstSquawk) on x 386.1K followers
Created: 2025-07-22 20:15:06 UTC

Capital One Q2 FY25 Earnings Highlights:

Revenue: $12.49B (above est. $11.84B)

Adjusted EPS: $XXXX (beat est. $3.88)

Net Interest Margin (NIM): XXXX% (vs est. 7.43%)

Efficiency Ratio: XX% (vs est. 52%)

Net Charge-Offs: $3.06B (better than est. $3.25B)

Provision for Credit Losses: $11.43B (vs est. $3.88B—significantly higher)

Loans Held for Investment: $439.3B (vs est. $397.5B)

Discover Integration: “Going well,” according to company commentary

Key Takeaways:

Strong revenue and profitability beat analyst expectations.

Higher credit provisions suggest increased caution or pressure on asset quality.

Robust loan growth alongside successful Discover integration supports ongoing expansion.


XXXXXX engagements

![Engagements Line Chart](https://lunarcrush.com/gi/w:600/p:tweet::1947752282730446856/c:line.svg)

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[losses](/topic/losses)
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[Post Link](https://x.com/FirstSquawk/status/1947752282730446856)