Capital One Q3 net income $3.2B ($4.83 EPS), beats; authorizes $16B share buyback

CAPITAL ONE FINANCIAL CORP

2025-Q3 EPS reported $0.23 revenue$37,851,000,000

Net income $3.2B, diluted EPS $4.83; adjusted EPS $5.95; vs Q2 net loss $4.3B and Q3 2024 net income $1.8B.
Total net revenue $15.4B, up 23% sequentially; net interest margin 8.36% (adjusted 8.43%).
Provision for credit losses $2.7B (down $8.7B QoQ); net charge-offs $3.5B, loan reserve release $760M.
CET1 ratio 14.4% under Basel III Standardized; Board authorized up to $16B common stock repurchase starting Oct 21.
Discover integration expenses $348M pretax; intangible amortization $498M; integration 'continues to go well'.

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