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If I Owe Capital One Can I Get Another Card – Featured on NIKKEI | US Stocks for LT Investors: Level IB Equity Research for Institutional Value Investors | Former Prime Minister Generalist with 10 years of professional experience, fluent in: Macro, Portfolio Management, IFRS Accounting Standards (ACCA) | Warren Buffett’s biggest fan
Capital One’s MD&A FY22 annual report is the most heart-and-soul MD&A report in corporate America — and may have inspired Buffett to buy Capital One ($COF). Later this month: $COF Stock Report for Paying Members!
If I Owe Capital One Can I Get Another Card
“Fifth warriors, I am your emperor, recognize me! If there is a warrior among you who wants to kill his emperor, here I am!” – Napoleon Bonaparte in Grenoble, after escaping exile on the island of Elba.
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After his first defeat at the hands of the Allies at Leipzig, Napoleon Bonaparte was exiled to the small French island of Elba, and then quickly fled to the mainland within a year. He followed the royal army, marching towards the kingdom with a large body of troops, when he encountered some resistance in the city of Grenoble. However, instead of ordering the French to turn their guns, Napoleon boldly made the aforementioned proclamation without guarding the opposition army – whereupon the resisting soldiers threw down their weapons, joined his ranks, and overthrew the puppet. The Bourbon Monarchy.
Reading Capital One’s latest FY22 MD&A report gave me such a sense of charisma – so inspiring that I felt the need to bring it to the attention of the world. For those who don’t know, Berkshire’s 13-F first reported nearly $1 billion in shares at COF 0.00% ↑ in May 2023, and those familiar with Buffett’s research style know that he tends to read every company’s annual report before making an investment decision. . If I was impressed with their MD&A, it impressed Buffett.
If you are interested in learning more about Capital One’s corporate history, I recommend reading Net Interest’s excellent article below for additional information. Also, I’ll be doing research for this month’s stock report for COF 0.00% ↑ paid members, so sign up below to be notified when it’s live, or become a paid member to read it when it comes out!
Net Interest Capital: Buffett’s Last Bank Warren Buffett knows a thing or two about banks. His portfolio has long been stocked with them, and had it not been for the 1970 amendment to the Bank Holding Company Act, he would have owned them outright, as he had in the insurance industry. “We think it’s something … it’s within our ability to judge … we don’t think it’s beyond our ability to understand the banking sector,” he told attendees at the 1995 annual general meeting … Read more 7 months First · 72 Likes · 12 Comments · Mark Rubinstein
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To be clear, the part of the MD&A I’m referring to is the President’s Letter at the beginning of the FY22 annual report (AR22) – which can sometimes be distinguished from the MD&A in other companies’ annual reports. However, in the case of Capital One (COF), they are the same: the president is also COF’s founder and CEO, Richard Fairbank.
The first thing I noticed when reading Capital One’s MD&A was how different it was from the tone of almost every other company’s MD&A. Many MD&As are standard, and even those cases appear legitimate. You know, boring jargon, but useful information at the same time.
In contrast, Capital One’s MD&A enchants the reader from the start. It begins by explaining how the bank contributes to society through its customer values (especially in the context of US consumers), and does so with surprising humility. The point of reference here is the kind of corporate clickbait we’ve seen before: where companies claim they’re adding value by perfecting “x” or “y” in the “1000S,” but that’s where delivery ultimately boils down. Flat because it is completely meaningless and not believable to the reader. Instead, COF’s MD&A seems to empathize with the real-life struggles of their customers, showing how they enrich their customers’ lives with real-life examples through their products. They have a very down-to-earth, down-to-earth tone when it comes to understanding the value they provide to customers, which is why I’ve described their tone in the past as “polite”.
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If all this means is that you can describe a storybook instead of an MD&A in an annual report, then I’m all for it. For example, the following quote is taken from p. Their 6 AR22s, under the heading “We Help Customers Succeed”, are:
The Capital One story is told one customer at a time through millions of customers who experience our mission in our products and customer experience. This is the story of a first-generation immigrant who had the opportunity to build credit in a new country. Or a small business owner who uses credit card rewards to pay for employee health care. and a commuter from Boston who stops for a cup of coffee but opens up about his financial goals and dreams.
I don’t know about you, but that doesn’t sound like half-baked copywriting from a bored boss to me. In fact, the president himself seems to have written based on his personal experience. This level of heart is palpable in many of their MD&As, and it stands in stark contrast to almost every other MD&A I’ve read in the past decade.
Their MD&A for the start of FY22 describes the company’s outlook and is equally emotional. Then the president explains what he means
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This trio includes three waves of innovation that occurred in relatively close succession in the late 2000s: the advent of the smartphone with its always-on features; Cloud computing with its almost unlimited computing and very low storage costs; This later fueled the explosion in computing power that enabled machine learning and artificial intelligence. This article shows how machine learning is changing the world at “the speed of today,” enabling mass customization in real time. The segment ends with the president describing the event as a “real-time intellectual revolution.”
It explains how the real-time intelligence revolution will be a disruptive force in many industries, and the role of COF in the middle of this disaster. For context, COF is regularly referred to in the industry as “The Original Fintech,” and the president’s letter describes the technological transformations the bank has initiated since 2005. Most importantly, in 2005, they realized that the banking infrastructure industry could not meet the legacy. Future needs and the pace of change required the coming real-time intellectual revolution they expected, so they revolutionized their operations and overhauled their banking infrastructure with a technology focus to ensure future growth. Chances are, their competitors can’t by turning into waves of change.
Some of these “real-time and intelligent” capabilities include COF’s real-time monitoring of customer credit trends, better extrapolation of credit trends with accurate advance information, and risk mitigation measures to reduce future credit losses. COF is known for having slightly better credit performance among its banking peers (in part due to its focus on payments) – and this excellent data analysis may explain why COF’s management style shows contrasting streaks. For example, sales reports note how COF has reduced auto loan payments compared to its peers in the past year, helping to reduce current levels of NCOs and delinquencies. This may be due to the fact that COF, due to its technologically equipped banking infrastructure, has more real-time credit data than its competitors to make credit decisions.
Addressing this sentimental style, the president’s letter describes how banking was once based on “physical buildings, long lines, and endless paperwork,” but how that has changed. For example, COF’s Capital One Cafe line combines the concept of bank branches with cafes, adding rounded edges to the traditional banking experience. At first glance, this may seem like a typical corporate exhibition, but when combined with the President’s speech, it looks like a real effort to make the banking experience more about people, not machines.
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The above philosophy describes how the president KOF’s strategic direction is based on one main principle:
META 0.00%↑ Just like Metaverse’s claim to be at the forefront of the future economy, COF 0.00%↑ is trying to predict what will happen in the future.
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