Capital One Financial (COF) reported its Q4 2024 earnings, showing mixed results. Adjusted earnings per share (EPS) came in at $3.09, surpassing the consensus estimate of $2.80 and reflecting a 37.95% year-over-year increase. However, revenue of $10.19 billion missed the $10.22 billion consensus estimate, though it grew by 7.20% year-over-year. The company reported a net income of $1.10 billion, with loan growth in domestic credit cards up 4% and auto loans up 2%. Capital One's CEO highlighted steady top-line growth in the domestic card business, strong originations, and stable credit results across its operations. Profits soared by 55%, with a 200 basis point increase in card spend. Additionally, 30-day delinquencies showed year-over-year improvement. The company's CET1 capital ratio stood at 13.5%, while its loan loss provision was $2.64 billion. Despite the earnings beat, the stock fell 1.4% after hours, reflecting concerns over missed revenue, net interest margin, and net interest income estimates.