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![equilyse1 Avatar](https://lunarcrush.com/gi/w:24/cr:twitter::1829453676387106817.png) Equilyse [@equilyse1](/creator/twitter/equilyse1) on x XXX followers
Created: 2025-07-23 11:37:33 UTC

$COF: Capital One's Q2 earnings were dominated by the Discover acquisition, leading to a GAAP net loss of $4.3B, but an adjusted net income of $2.8B. The acquisition added $98.3B in domestic card loans and $106.7B in deposits. Integration is underway, focusing on tech stack consolidation and product integration.

The Discover deal boosted revenue by XX% and NIM to 7.62%—up XX bps. Capital One built $7.9B in allowance, bringing the total to $23.9B. CET1 capital ratio ended at 14%. Management is prioritizing investments in tech, the Discover network, and AI to drive future growth.

Integration costs will exceed the initial $2.8B estimate, but $2.5B in synergies are still expected. Despite intense competition in the high-end card market from Chase and Amex, Capital One remains optimistic about the U.S. consumer, citing a strong labor market and stable debt servicing.

![](https://pbs.twimg.com/media/GwihguCW0AAQbVV.png)

XXX engagements

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