NYSE$COF

Capital One Financial Corp · Q4 2019 earnings

Q4 2019 earnings · · Investor relations

Briefing

Capital One reported solid results driven by investments in growth and digital transformation.

Capital One reported a net income of $1.2 billion, or $2.25 per diluted common share, for the fourth quarter of 2019. Total net revenue increased by 7% to $7.4 billion.

  • Total net revenue increased 7 percent to $7.4 billion.
  • Period-end loans held for investment in the quarter increased $16.5 billion, or 7 percent, to $265.8 billion.
  • Period-end total deposits increased $5.5 billion, or 2 percent, to $262.7 billion.
  • Net income for the fourth quarter of 2019 was $2.25 per diluted common share.

Headline financials

Total Revenue

$7.43B

Previous: $7.01B+5.9%
EPS (adj)

$2.25

Previous: $1.87+20.3%
Credit Card Loans

$128B

No prior period
Consumer Banking Loans

$63.1B

No prior period
Commercial Banking Loans

$74.5B

No prior period
Capital Expenditures

$256M

Previous: $205M+24.9%
Free Cash Flow

$3.86B

Previous: $3.74B+3.5%
Net Income

$1.2B

Previous: $1.26B-4.8%
Operating Income

$3.3B

No prior period
Gross Profit

$7.23B

Previous: $6.81B+6.2%
Cash & Equivalents

$13.7B

Previous: $13.5B+1.9%
Total Assets

$390B

Previous: $373B+4.8%
Stock-Based Comp

$64M

Previous: $17M+276.5%

Revenue & EPS history

Capital One · Revenue · Quarterly

$7.43B

Q4 2019+5.9%vs Q4 2018
Beat estimate in 9 of 16 quarters(56%)
ActualEstimate

Revenue by segment

Capital One · $8.1B total across 1 segment · Q4 2021

  • Credit Card
    $8.1B

Forward guidance

Capital One is investing to grow and to drive their digital transformation. As the many benefits from our technology transformation continue and increase, they are well positioned to succeed in a rapidly changing marketplace.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q4 2019

Historical avgQ4 2019

+0.4%

Avg return

Earnings day

+1.4%

Avg return

5 days after

+2.3%

Avg return

30 days after

58%

42 / 73 earnings

Positive

+10.1%

Q3 2015

Best reaction

-14.0%

Q2 2015

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026+0.5%-3.7%-5.8%
Q4 2025-4.9%-4.1%-7.2%
Q3 2025+1.5%+3.0%-4.2%
Q2 2025-2.6%-2.9%+1.2%
Q1 2025+3.6%+7.6%+8.7%
Q4 2024+5.2%+6.6%+7.5%
Q3 2024+4.6%+5.7%+21.3%
Q2 2024+0.9%+2.9%-3.9%
Q1 2024-1.8%-3.7%-7.6%
Q4 2023+5.8%+5.7%+3.4%
Q3 2023+9.9%+13.8%+19.8%
Q2 2023-2.0%-2.9%-11.0%
Q1 2023+3.1%-5.2%+8.9%
Q4 2022+8.4%+9.8%+2.2%
Q3 2022+5.1%+4.8%-0.2%
Q2 2022-5.1%-7.3%-2.2%
Q1 2022-8.9%-8.7%-8.8%
Q4 2021-2.3%-3.8%-0.4%
Q3 2021-9.6%-10.5%-7.6%
Q2 2021-1.9%-0.4%+3.1%
Q1 2021+4.4%+7.8%+17.0%
Q4 2020+0.2%+1.7%+16.3%
Q3 2020+5.8%+0.5%+13.4%
Q2 2020+5.3%+6.9%+5.6%
Q1 2020+9.0%+23.7%+16.9%
Q4 2019+2.5%+0.2%-0.6%
Q3 2019+0.5%+1.8%+5.7%
Q2 2019+2.8%+7.0%-3.1%
Q1 2019+6.8%+5.7%+3.4%
Q4 2018-8.0%-6.3%-3.4%
Q3 2018-3.0%-3.2%-2.4%
Q2 2018+0.1%+1.9%+2.1%
Q1 2018-4.9%-5.9%-2.2%
Q4 2017-0.2%-0.6%-8.4%
Q3 2017+1.2%+3.4%-2.7%
Q2 2017+8.1%+7.0%+0.2%
Q1 2017-1.9%-5.1%-6.1%
Q4 2016+1.7%+2.6%+7.5%
Q3 2016+0.0%-1.0%+12.2%
Q2 2016-0.9%+0.1%+1.4%
Q1 2016-0.9%
Q4 2015+7.9%
Q3 2015+10.1%
Q2 2015-14.0%
Q1 2015-1.6%
Q4 2014+0.5%
Q3 2014-3.5%
Q2 2014-2.5%
Q1 2014+0.5%
Q4 2013-6.0%
Q3 2013-0.9%
Q2 2013+3.3%
Q1 2013+6.5%
Q4 2012-7.7%
Q3 2012+4.7%
Q2 2012-0.8%
Q1 2012+0.9%
Q4 2011-0.3%
Q3 2011+1.5%
Q2 2011-12.7%
Q1 2011-0.0%
Q4 2010+1.5%
Q4 2007+1.5%
Q3 2010-4.0%
Q2 2010+1.4%
Q4 2008+1.4%
Q1 2009+1.4%
Q4 2009+1.4%
Q1 2010-0.8%
Q3 2009+5.4%
Q3 2008+5.4%
Q2 2009-4.0%
Q2 2008-4.0%

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