CAPITAL ONE $COF Q3’26 EARNINGS HIGHLIGHTS
🔹 Revenue: $16.3B (Est. $16.27B) 🟡
🔹 Adj. EPS: $6.69 (Est. $5.50) 🟢
🔹 GAAP EPS: $5.61; +16% YoY
🔹 Net Income: $3.5B
Other Q3 Metrics:
🔹 Net Interest Margin: 8.41%
🔹 Pre-Provision Earnings: $7.5B
🔹 Non-Interest Expense: $8.9B
🔹 Provision for Credit Losses: $2.9B
🔹 Net Charge-offs: $3.1B
🔹 Efficiency Ratio: 54.19%
🔹 Adj. Efficiency Ratio: 48.76%
🔹 CET1 Ratio: 13.8%
Loans & Deposits:
🔹 Period-End Loans: $462.5B
🔹 Credit Card Loans: $276.4B
🔹 Consumer Banking Loans: $94.0B
🔹 Commercial Banking Loans: $92.1B
🔹 Period-End Deposits: $480.7B
🔹 Average Deposits: $482.6B
Key Updates:
🔸 Acquisition amortization expenses: $483M pre-tax, $0.60 per share
🔸 Discover integration expenses: $338M pre-tax, $0.42 per share
🔸 Brex integration expenses: $47M pre-tax, $0.06 per share
🔸 $225M loan reserve release
Comments:
🔸 “The Discover integration continues to go well and we’re making good progress on delivering the expected synergies”
顯示更多