Capital One Financial Corporation (NYSE:COF) Q4 2024 Earnings Conference Call January 21, 2025 4:30 PM ET

Company Participants

Jeff Norris - Senior Vice President, Finance
Andrew Young - Chief Financial Officer
Richard Fairbank - Chairman and Chief Executive Officer

Conference Call Participants

Ryan Nash - Goldman Sachs
Terry Ma - Barclays
Rick Shane - J.P. Morgan
John Pancari - Evercore ISI
Mihir Bhatia - Bank of America
Bill Carcache - Wolfe Research Securities
Moshe Orenbuch - TD Cowen
Don Fandetti - Wells Fargo
Sanjay Sakhrani - KBW
John Hecht - Jefferies

Operator

Good day, and thank you for standing by. Welcome to the Capital One Q4 2024 Earnings Call. Please be advised that today's conference is being recorded. After the speakers' presentation, there will be a question-and-answer session. [Operator Instructions]

I would now like to hand the conference over to your speaker today, Jeff Norris, Senior Vice President of Finance. Please go ahead.

Jeff Norris

Thanks, Josh, and welcome, everyone. And just as a reminder, as always, we are webcasting live over the Internet and to access the call on the Internet, please log on to Capital One's website, capitalone.com and follow the links from there. In addition to the press release and financials, we've included a presentation summarizing our fourth-quarter 2024 results.

With me this evening are Mr. Richard Fairbank, Capital One's Chairman and Chief Executive Officer; and Mr. Andrew Young, Capital One's Chief Financial Officer. Rich and Andrew are going to walk you through this presentation.

To access a copy of the presentation and press release, please go to Capital One's website, click on Investors and click on financials and then click on quarterly earnings release. Please note that this presentation may contain forward-looking statements. Information regarding Capital One's financial performance and any forward-looking statements contained in today's discussion and the materials