[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.]  Wall St Engine [@wallstengine](/creator/twitter/wallstengine) on x 73.7K followers Created: 2025-07-22 20:15:53 UTC $COF | Capital One Q2'25 Earnings Highlights 🔹 Revenue: $12.49B (Est. $11.84B) 🟢; UP +25% QoQ 🔹 Adj. EPS: $XXXX (Est. $3.88) 🟢 🔹 Net Interest Margin: XXXX% (Est. 7.43%) 🟢 🔹 Efficiency Ratio: XX% (Est. 52%) 😐 🔹 Net Charge-Offs: $3.06B (Est. $3.25B) 🟢 🔹 Loans Held for Investment: $439.3B (Est. $397.5B) 🟢 Segment: 🔹 Credit Card Loans: $269.7B; UP +72% QoQ 🔹 Domestic Card Loans: $252.5B; UP +68% QoQ 🔹 Auto Loans: $80.0B; UP +3% QoQ 🔹 Commercial Loans: $88.4B; UP +1% QoQ 🔹 Total Loans Held for Investment: $439.3B; UP +36% QoQ 🔹 Total Deposits: $468.1B; UP +27% QoQ 🔹 Interest-Bearing Deposit Rate Paid: XXXX% (Flat QoQ) Capital & Efficiency Metrics 🔹 CET1 Ratio: XXXX% 🔹 Adjusted Efficiency Ratio: XXXXX% 🔹 Operating Efficiency Ratio: XXXXX% 🔹 Adj. Operating Efficiency Ratio: XXXXX% 🔹 Provision for Credit Losses: $11.43B Adjusting Items Breakdown (Pre-Tax) 🔹 Discover Allowance Build: $8.77B 🔹 Integration Expenses: $299M 🔹 Intangible Amortization: $255M 🔹 Fair Value Amortization: $85M 🔹 Legal Reserves: $41M 🔹 California Tax Adjustment: -$128M CEO Commentary 🔸 “We completed our acquisition of Discover on May 18th. We’re fully mobilized and hard at work on integration which is going well.” — CEO Richard D. Fairbank 🔸 “We’re as excited as ever by the expanding set of opportunities to grow and create value as a combined company.” XXXXX engagements  **Related Topics** [$2697b](/topic/$2697b) [credit cards](/topic/credit-cards) [$3975b](/topic/$3975b) [$4393b](/topic/$4393b) [investment](/topic/investment) [$325b](/topic/$325b) [$306b](/topic/$306b) [eps](/topic/eps) [Post Link](https://x.com/wallstengine/status/1947752482014433443)
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Wall St Engine @wallstengine on x 73.7K followers
Created: 2025-07-22 20:15:53 UTC
$COF | Capital One Q2'25 Earnings Highlights
🔹 Revenue: $12.49B (Est. $11.84B) 🟢; UP +25% QoQ 🔹 Adj. EPS: $XXXX (Est. $3.88) 🟢 🔹 Net Interest Margin: XXXX% (Est. 7.43%) 🟢 🔹 Efficiency Ratio: XX% (Est. 52%) 😐 🔹 Net Charge-Offs: $3.06B (Est. $3.25B) 🟢 🔹 Loans Held for Investment: $439.3B (Est. $397.5B) 🟢
Segment: 🔹 Credit Card Loans: $269.7B; UP +72% QoQ 🔹 Domestic Card Loans: $252.5B; UP +68% QoQ 🔹 Auto Loans: $80.0B; UP +3% QoQ 🔹 Commercial Loans: $88.4B; UP +1% QoQ 🔹 Total Loans Held for Investment: $439.3B; UP +36% QoQ 🔹 Total Deposits: $468.1B; UP +27% QoQ 🔹 Interest-Bearing Deposit Rate Paid: XXXX% (Flat QoQ)
Capital & Efficiency Metrics 🔹 CET1 Ratio: XXXX% 🔹 Adjusted Efficiency Ratio: XXXXX% 🔹 Operating Efficiency Ratio: XXXXX% 🔹 Adj. Operating Efficiency Ratio: XXXXX% 🔹 Provision for Credit Losses: $11.43B
Adjusting Items Breakdown (Pre-Tax) 🔹 Discover Allowance Build: $8.77B 🔹 Integration Expenses: $299M 🔹 Intangible Amortization: $255M 🔹 Fair Value Amortization: $85M 🔹 Legal Reserves: $41M 🔹 California Tax Adjustment: -$128M
CEO Commentary 🔸 “We completed our acquisition of Discover on May 18th. We’re fully mobilized and hard at work on integration which is going well.” — CEO Richard D. Fairbank 🔸 “We’re as excited as ever by the expanding set of opportunities to grow and create value as a combined company.”
XXXXX engagements
Related Topics $2697b credit cards $3975b $4393b investment $325b $306b eps