Decide at what price you'd be comfortable buying and we'll help you stay ready.
Capital One’s long-run model is loan-intensive and led by net interest income, while changes in credit-loss provisions can materially alter reported profit. Its deposit-funded lending base has expanded, and recent acquisitions have added scale alongside integration and acquisition-accounting effects.
The latest comparable quarter shows higher earnings alongside growth in interest and fee income, while reported results still reflect changing credit provisions and acquisition-related costs. This is a development within the established lending model, not evidence of a new financial model.
Whether loan growth continues without a material increase in credit-loss provisions.
| Metric | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| 20.9B | 22.5B | 22.9B | 23.3B | 22.9B | 24.2B | 27.1B | 29.2B | 31.2B | 42.9B | |
| 22.9B | 25.2B | 27.2B | 28.5B | 26B | 25.8B | 31.2B | 41.9B | 46B | 58.7B | |
| 2B | 2.8B | 4.3B | 5.2B | 3.1B | 1.6B | 4.1B | 12.7B | 14.8B | 15.8B | |
| 4.6B | 4.8B | 5.2B | 5.3B | 5.6B | 6.3B | 7.1B | 7.5B | 7.9B | 10.6B | |
| 25.5B | 27.2B | 28.1B | 28.6B | 28.5B | 30.4B | 34.3B | 36.8B | 39.1B | 53.4B | |
| (6.5B) | (7.6B) | (5.9B) | (6.2B) | (6.3B) | 1.9B | (5.8B) | (10.4B) | (11.7B) | (20.7B) | |
| (13.6B) | (14.2B) | (14.9B) | (15.5B) | (19.1B) | (16.6B) | (19.2B) | (20.3B) | (21.5B) | (30.5B) | |
| 5.5B | 5.5B | 7.3B | 6.9B | 3.2B | 15.8B | 9.2B | 6B | 5.9B | 2.3B | |
| (1.7B) | (1.6B) | (1.3B) | (1.3B) | (486m) | (3.4B) | (1.9B) | (1.2B) | (1.2B) | (193m) | |
| 3.8B | 3.9B | 6B | 5.5B | 2.7B | 12.4B | 7.4B | 4.9B | 4.7B | 2.1B | |
| 3.5B | 1.7B | 5.7B | 5.2B | 2.4B | 12B | 7B | 4.6B | 4.4B | 2.2B | |
| 6.89 | 3.48 | 11.81 | 11.04 | 5.18 | 26.95 | 17.91 | 11.95 | 11.58 | 4.02 |
Alpha Spread
Preferences
We rebuilt our DCF valuation models from the ground up and upgraded how Intrinsic Value is calculated. Alpha Spread now selects the method that best fits each company.
You can now see how the new methodology performed across thousands of stocks on our new Valuation Backtest page. We update the results at the end of every month.
New to Alpha Spread? Create free account
By using Alpha Spread you are agreeing to our Terms of Service and Privacy Policy.
Already have an account? Sign in
Stock intrinsic value is the real worth of a company's stock, based on its financial health and performance.
Instead of looking at the stock's current market price, which can change due to people's opinions and emotions, intrinsic value helps us understand if a stock is truly a good deal or not.
By focusing on the company's actual financial strength, like its earnings and debts, we can make better decisions about which stocks to buy and when.
Read more