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CAPITAL ONE FINANCIAL CORPORATION

(COF)
  Report
Delayed Nyse  -  04:00 2022-12-02 pm EST
97.69 USD   -1.64%
12/01Capital One, Synchrony, Ally Financial Downgraded to Underweight by Morgan Stanley, Shares Fall Pre-Bell on Consumer Credit Concerns; Navient Upgraded to Equalweight
MT
12/01Morgan Stanley Downgrades Capital One Financial to Underweight From Equalweight, Cuts Price Target to $90 From $115
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11/21UBS Initiates Coverage on Capital One Financial With Neutral Rating, $120 Price Target
MT
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Capital One Financial : Regulation FD Presentation - Form 8-K

09/15/2022 | 06:10am EST

Exhibit 99.1
Capital One Financial Corporation
Monthly Charge-Off and Delinquency Metrics
As of and for the month ended August 31, 2022
Loans Held for Investment Net Charge-Offs 30+ Day Performing Delinquencies Nonperforming Loans
(Dollars in millions, except as noted) Average Period-End Amount
Rate(1)
Amount
Rate(2)
Amount
Rate(3)
Credit Card:(4)(5)
Domestic
$ 117,932 $ 120,478 $ 198 2.02 % $ 3,322 2.76 % N/A N/A
Consumer Banking:
Auto 79,725 79,711 75 1.13 4,013 5.03 $ 463 0.58 %
___________________
(1)Net charge-off rate is calculated by dividing annualized net charge-offs for the period by average loans held for investment during the period for the specified loan category. Net charge-offs and the net charge-off rate are impacted periodically by fluctuations in recoveries, including impacts of debt sales.
(2)30+ day performing delinquency rate is calculated by dividing 30+ day performing delinquent loans as of the end of the period by period-end loans held for investment for the specified loan category.
(3)Nonperforming loan rate is calculated by dividing nonperforming loans as of the end of the period by period-end loans held for investment for the specified loan category.
(4)Period-end loans held for investment and average loans held for investment include billed finance charges and fees. We recognize billed finance charges and fee income on open-ended loans in accordance with the contractual provisions of the credit arrangements and estimate the uncollectible amount on a quarterly basis. Billed finance charges and fees that are ultimately uncollectible are reflected as a reduction in revenue and not included in our net charge-offs.
(5)In August 2022, in addition to our normal recovery activity, we sold a pool of charged-off loans that resulted in elevated debt sale recovery activity of approximately $33 million, which decreased the Domestic Credit Card net charge-off rate for August by approximately 33 basis points. Excluding this impact, the Domestic Credit Card net charge-off rate would have been 2.35% for August 2022.


Disclaimer

Capital One Financial Corporation published this content on 15 September 2022 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 15 September 2022 10:09:03 UTC.


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Financials (USD)
Sales 2022 34 291 M - -
Net income 2022 7 473 M - -
Net Debt 2022 35 024 M - -
P/E ratio 2022 5,16x
Yield 2022 2,46%
Capitalization 37 288 M 37 288 M -
EV / Sales 2022 2,11x
EV / Sales 2023 1,97x
Nbr of Employees 55 100
Free-Float 54,7%
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Mean consensus OUTPERFORM
Number of Analysts 24
Last Close Price 97,69 $
Average target price 125,79 $
Spread / Average Target 28,8%
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Managers and Directors
Richard D. Fairbank Chief Executive Officer & Director
Andrew M. Young Chief Financial Officer
Robert M. Alexander Chief Information Officer
Ann Fritz Hackett Lead Independent Director
Bradford H. Warner Independent Director
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