Analyst Consensus ?
ConsensusHold35 ratings
Bullish1542.9%
Neutral1542.8%
Bearish514.3%
Capital One Financial Corporation · COF-PI · FY2025 Q4 · Calendar Q1 2026
Capital One leans on Discover integration and Brex expansion
Capital One's near-term growth case rests on executing the Discover integration, adding Brex's business-payments platform and sustaining credit performance; the evidence is constructive but execution, regulation and expense risks remain material.
Reported Session unavailableNYSEFinancial Services
$121.11B market cap
75quality score
Earnings scorecard
Reported versus consensus
Reported EPS
$3.86
Consensus $4.14
EPS surprise
-6.8%
Reported versus consensus
Reported revenue
$15.58B
Consensus $15.47B
Revenue surprise
+0.7%
Reported versus consensus
Market reaction
unavailable
Stock move
—
Event window
SPY move
—
Same window
Abnormal move
—
Stock minus SPY
Volume
—
Versus trailing sessions
Subsequent drift
—
Up to 20 sessions
Price and volume data were unavailable at publication time.
Ask FN2 about COF-PI FY2025 Q4
Transcript, numbers and history already loaded
How did the market react to COF-PI FY2025 Q4 earnings, and why?What changed in COF-PI's guidance and outlook in FY2025 Q4?Give me the bull and bear case for COF-PI after FY2025 Q4 earnings.
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Transcript intelligence
What changed
The supplied analysis highlights the announced Brex acquisition, completion of the Discover home-loan portfolio sale and increased focus on AI, technology and global network acceptance.
Guidance delta
Maintained; the supplied analysis indicates no change to guidance.
Key takeaways
- Management described Discover integration synergies and the Brex acquisition as key expansion opportunities.
- Credit performance was characterized as stable while investment in AI, technology and network acceptance continues.
- The main watchpoints are integration execution, regulatory risk and pressure from higher expenses.
Management priorities
- Integrate Brex and expand business-payments and small-business capabilities.
- Migrate cards to the Discover network and broaden global acceptance.
- Continue investment in AI, Capital One Shopping, Auto Navigator and travel services.
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Try FN2 freeEarnings History
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Firm-level rating actions
FMP grade actions identify the grading firm, not a named analyst.
| Firm | Rating | Prior rating | Action | Date |
|---|---|---|---|---|
| JP Morgan | Overweight | Overweight | Maintain | Oct 16, 2023 |
| Citigroup | Buy | Buy | Maintain | Oct 5, 2023 |
| Morgan Stanley | Underweight | Underweight | Maintain | Oct 2, 2023 |
| Wells Fargo | Overweight | Overweight | Maintain | Jul 20, 2023 |
| Stephens & Co. | Underweight | Underweight | Maintain | Jul 20, 2023 |
| Piper Sandler | Neutral | Neutral | Maintain | Jul 20, 2023 |
| Jefferies | Hold | Hold | Maintain | Jul 10, 2023 |
| B of A Securities | Neutral | Neutral | Maintain | Jun 5, 2023 |
| Credit Suisse | Outperform | Outperform | Maintain | Apr 27, 2023 |
| BMO Capital | Outperform | Outperform | Maintain | Apr 27, 2023 |
| Barclays | Equal Weight | Equal Weight | Maintain | Apr 11, 2023 |
| Odeon Capital | Sell | Hold | Downgrade | Mar 1, 2023 |
| Deutsche Bank | Buy | Buy | Maintain | Jul 21, 2022 |
| Oppenheimer | Perform | Outperform | Downgrade | Jul 11, 2022 |
| Baird | Outperform | Neutral | Upgrade | Jun 16, 2022 |
| Wolfe Research | Underperform | Peer Perform | Downgrade | May 11, 2022 |
| RBC Capital | Perform | Sector Perform | Maintain | Jul 23, 2021 |
| UBS | Buy | Neutral | Upgrade | Jun 21, 2020 |
| Nomura | Buy | Buy | Maintain | Apr 23, 2020 |
| Nomura Instinet | Neutral | Buy | Downgrade | Feb 20, 2018 |
| Buckingham Research | Buy | Buy | Maintain | Jan 23, 2018 |
| Compass Point | Buy | Neutral | Upgrade | Dec 21, 2017 |
| Wedbush | Neutral | Underperform | Upgrade | Oct 24, 2017 |
| Goldman Sachs | Buy | Neutral | Upgrade | Feb 16, 2017 |
| Stifel | Hold | Buy | Downgrade | Nov 13, 2016 |
| CLSA | Buy | Buy | Maintain | Sep 22, 2016 |
| Rafferty Capital | Hold | Buy | Downgrade | Jul 24, 2016 |
| Sterne Agee | Underperform | Neutral | Downgrade | Jun 7, 2016 |
| Guggenheim | Neutral | Sell | Upgrade | May 8, 2016 |
| Bernstein | Outperform | Outperform | Maintain | May 5, 2015 |
| FBR Capital | Market Perform | Outperform | Downgrade | Apr 23, 2015 |
| Susquehanna | Neutral | Positive | Downgrade | Jan 16, 2014 |
| Janney Montgomery Scott | Neutral | Buy | Downgrade | Jan 17, 2013 |
| Rochdale Securities | Buy | Hold | Upgrade | Oct 21, 2012 |
| Argus Research | Hold | Sell | Upgrade | May 7, 2012 |
Track every rating change on COF-PI the moment it posts. Free to start.
Start freeCompany context
Snapshot as of publicationCapital One Financial Corporation functions as the parent company for Capital One Bank (USA), National Association, and Capital One, National Association, delivering a comprehensive array of financial products and services across the United States, Canada, and the United Kingdom. The company's business activities are structured into three main divisions: Credit Card, Consumer Banking, and Commercial Banking. It provides various deposit accounts, including checking, money market, negotiable order of withdrawal, savings, and time deposits.…
Historical context
All COF-PI earningsFinancial Services peers this season
Latest reports in the same sector| Company | Quarter | EPS surprise | Market move | Headline |
|---|---|---|---|---|
| MSCI MSCI Inc. | FY2026 Q3 · Calendar Q4 2026 | +1.6% | +5.0% | MSCI: Broad Q3 momentum, with Climate pressure still in view |
| COF-PL Capital One Financial Corporation | FY2026 Q3 · Calendar Q4 2026 | +21.6% | — | Capital One Q3: Discover Synergies Lead as Marketing Rises |
| COF-PN Capital One Financial Corporation | FY2026 Q3 · Calendar Q4 2026 | +21.6% | — | Capital One pairs Q3 earnings growth with integration progress |
| EWBC East West Bancorp, Inc. | FY2026 Q3 · Calendar Q4 2026 | +1.5% | +2.2% | EWBC: Record Q3 Results, Higher NII Guidance |
| COF Capital One Financial Corporation | FY2026 Q3 · Calendar Q4 2026 | +21.6% | +0.9% | Capital One posts Q3 beat as synergies and credit trends strengthen |
| KEY-PK KeyCorp | FY2026 Q3 · Calendar Q4 2026 | +10.5% | — | KeyCorp posts strong Q3 as deposits and loan demand support growth |
Latest beats and misses
Who reports nextBeat on EPS
- ISRGFY2026 Q3 · October 20, 2026+13.2% EPS-3.6% move
- SPCXFY2026 Q3 · October 20, 2026+160.0% EPS-0.1% move
- COF-PIFY2026 Q3 · October 20, 2026+21.6% EPS— move
- MSCIFY2026 Q3 · October 20, 2026+1.6% EPS+5.0% move
- COF-PLFY2026 Q3 · October 20, 2026+21.6% EPS— move
- COF-PNFY2026 Q3 · October 20, 2026+21.6% EPS— move
Missed on EPS
- PACFY2026 Q3 · October 20, 2026-2.2% EPS+7.1% move
- AGNCZFY2026 Q3 · October 19, 2026-0.6% EPS+0.3% move
- AGNCLFY2026 Q3 · October 19, 2026-0.6% EPS-0.3% move
- AGNCOFY2026 Q3 · October 19, 2026-0.6% EPS+0.3% move
- AGNCPFY2026 Q3 · October 19, 2026-0.6% EPS0.0% move
- AGNCMFY2026 Q3 · October 19, 2026-0.6% EPS-0.3% move
Get the COF-PI recap when the next report posts
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Sources
- Earnings call transcript and parsed analysis · 2026-05-11T10:29:34.698584+00:00
- FN2 earnings calendar · 2026-07-26T00:37:12.209961+00:00
- Polygon adjusted daily market bars
Methodology
Reported and consensus figures come from FN2's earnings event records. Market reaction and volume are calculated from daily adjusted bars around the event; abnormal move subtracts the SPY move over the same window.
Transcript intelligence is a structured synthesis of the current and prior earnings-call analyses. Missing values stay missing and are never estimated.
By FN2 Research · Updated · As of 2026-10-21. For educational purposes only; not investment advice.