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Capital One Financial (COF)
NYSE:COF
Earnings Data
Report Date
Apr 23, 2026After Close (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
4.66Last Year’s EPS
4.06Same Quarter Last Year
Strong Buy
Based on 19 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Neutral
The call presents a balanced picture: strong strategic progress (Discover integration, definitive Brex acquisition), substantial YoY top-line growth driven by the Discover transaction, solid liquidity and capital returns (repurchases and higher dividend). Offsetting these positives are notable near-term headwinds — a large Q4 provision for credit losses, higher noninterest expenses and marketing, a QoQ dip in NIM, and near-term EPS dilution and capital impact from the Brex deal. Management emphasizes long-term upside from strategic investments but acknowledges near-term pressure on efficiency and earnings.Company Guidance
Q4 and Full-Year Earnings
Q4 net income $2.1B; EPS $3.26 diluted. Full-year net income $2.5B; EPS $4.30. Adjusted Q4 EPS (net of home loan sale and other items) $3.86; full-year adjusted EPS $19.61.
Strategic Acquisitions — Discover Integration and Brex Deal
Completed Discover-related actions (including $8.8B home loans sale). Announced definitive agreement to acquire Brex for $5.15B (stock + cash), ~3.5% of market cap; management expects no impact to Discover synergies and ability to accelerate growth in business payments and small business banking.
Strong Top-Line Growth Driven by Discover
Domestic card purchase volume +39% YoY (including Discover); excluding Discover +6.2% YoY. Card revenue +58% YoY (including Discover); excluding Discover +6.2% YoY. Consumer banking revenue +36% YoY (full quarter of Discover operations).
Balance Sheet and Liquidity Strength
Total liquidity reserves ~ $144B. Preliminary average Liquidity Coverage Ratio increased to 173%. Common Equity Tier 1 (CET1) capital ratio 14.3% (≈10 bps lower QoQ) with room for shareholder returns.
Capital Return and Dividend
Repurchased $2.5B of stock in the quarter and increased quarterly dividend by 33% to $0.80. Management reiterated flexibility on buybacks and $14B of remaining authorization.
Consumer Loan and Deposit Growth
Consumer banking ending loan balances +9% YoY; average loans +9%. Consumer deposits (ending and average) +33% YoY (largely from Discover). Global payment network transaction volume ~$175B for the quarter.
Credit Metrics Improving YoY
Domestic card charge-off rate down 113 bps YoY; delinquency rate down 54 bps YoY. Auto charge-off rate down 50 bps YoY and auto delinquencies improved 72 bps YoY, with auto losses near pre-pandemic levels.
COF Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
COF Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Jan 22, 2026 | $235.07 | $217.30 | -7.56% |
Oct 21, 2025 | $217.05 | $220.38 | +1.53% |
Jul 22, 2025 | $216.83 | $218.86 | +0.94% |
Apr 22, 2025 | $169.20 | $175.42 | +3.68% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Capital One Financial (COF) report earnings?
Capital One Financial (COF) is schdueled to report earning on Apr 23, 2026, After Close (Confirmed).
What is Capital One Financial (COF) earnings time?
Capital One Financial (COF) earnings time is at Apr 23, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is COF EPS forecast?
COF EPS forecast for the fiscal quarter 2026 (Q1) is 4.66.
