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![EagleInvestors Avatar](https://lunarcrush.com/gi/w:24/cr:twitter::1151227057008992256.png) Eagle Investors [@EagleInvestors](/creator/twitter/EagleInvestors) on x XXX followers
Created: 2025-07-22 20:24:10 UTC

💳 Capital One Financial ($COF) Q2 Earnings Recap 

🚀 EPS Surprise: Capital One crushed estimates with Q2 EPS of $5.48, beating by $1.76, though revenue of $12.5B missed by $370M (+31.4% YoY). 💰

📊 Highlights:
Pre-provision earnings rose XX% to $5.5B.
Credit provisions jumped to $11.4B, including $3.1B in net charge-offs and a $7.9B loan reserve build. ⚠️
Net interest margin hit 7.62%, up 69bps. 🔝
Period-end loans surged XX% YoY to $439B, led by a XX% jump in credit card loans. 💳📈
Deposits also climbed XX% YoY to $468.1B. 🏦

💡 Capital Strength: CET1 ratio held strong at 14.0%, while operating efficiency ratios reflected solid performance under pressure. ⚖️

📉 Market Reaction: Shares jumped 1.6%.

#CapitalOne #COF #EarningsRecap #Banking #CreditCards #LoanGrowth #EPSBeat #StockMarket #FinanceNews #EarningsSeason #InterestMargins #FinancialResults #BigBanks #Investing #ConsumerLending

![](https://pbs.twimg.com/media/GwfQVEfXsAEGRlU.jpg)

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[Post Link](https://x.com/EagleInvestors/status/1947754563320070585)