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Andrew Young

Chief Financial Officer, Capital One

Search every verified Andrew Young interview, podcast appearance, and on-the-record quote — each transcript cross-checked by AI and human review to confirm speaker identity. Andrew Young, Chief Financial Officer of Capital One, discussed the company's third quarter 2025 results on the November 10 earnings call. He reported that Capital One earned $3.22 billion, or $4.83 per diluted common share, with adjusting items related to the Discover acquisition bringing adjusted earnings per share to $5.95. Young stated that the common equity tier 1 capital ratio ended the quarter at 14.4%, and based on the company's analysis, the board approved a new repurchase authorization of up to $16 billion and an increase in the quarterly common stock dividend from $0.60 to $0.80 per share. He noted that the net interest margin was 8.36%, a 74 basis point increase from the prior quarter, with the full quarter of Discover contributing approximately 45 basis points. Young also said the company released $753 million of allowance in the domestic card segment, citing continued observed credit favorability and a slight improvement in the forecasted unemployment rate. In earlier appearances, Young provided his assessment of the U.S. consumer and the competitive landscape. At the Barclays 22nd Annual Global Financial Services Conference in September 2024, he described the consumer as being in "reasonably strong shape," citing the unemployment rate at 4.2%, accumulated savings above pre-pandemic levels, and wages outpacing inflation. He noted that the credit card market is highly competitive, with elevated marketing levels, and that Capital One's loan growth over the previous five years had exceeded 40%, significantly outpacing the industry. Regarding the Discover acquisition, Young said the process was progressing as expected and that the company was "more excited now" about combining Discover's technology-led payments business with Capital One's lending and deposit franchise.

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