Capital One Financial Corporation · COF-PI · Next earnings

Capital One Financial Corporation reports Tuesday, Jan 26, 2027

COF-PI reports after market close with consensus EPS at $4.78 and revenue at $16.58B. Last quarter: Capital One posts strong Q3 as Discover synergies build

Reports After market close97 days awayDate estimated Financial Services

What the street expects

Consensus for the coming report
Consensus EPS $4.78 Calendar consensus
Consensus revenue $16.58B Calendar consensus
Report date Jan 26, 2027 Tuesday, date estimated
Session After market close 97 days away

Where COF-PI left off: FY2026 Q3

Full report

Capital One posts strong Q3 as Discover synergies build

EPS surprise — Reported — vs $5.50
Revenue surprise — Reported — vs $16.25B
Stock move — Event window
Subsequent drift — Up to 20 sessions

Management guidance sentiment was maintained; no new quantitative guidance change is supplied.

What to watch on the call

Carried forward from the last transcript

Risks management flagged

  • The Visa/MasterCard settlement could affect earnings.
  • Higher marketing and technology spending may pressure efficiency ratios.
  • Discover loan balances may continue to contract before growth recovers; credit trends could reverse.

Questions analysts left open

  • Whether elevated marketing and technology spending will pressure the efficiency ratio.
  • The earnings impact and timing of the Visa/MasterCard settlement.
  • Whether credit performance remains strong and Discover loan growth recovers after the brownout.

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Recent COF-PI quarters

All COF-PI earnings
—FY2026 Q3—FY2026 Q2

Sources

  1. FN2 corporate events calendar, resolved from the earnings calendar feed
  2. FN2 earnings calendar analyst consensus
  3. Earnings call transcript analysis, FY2026 Q3

Methodology

The report date comes from FN2's resolved corporate-events calendar and is marked estimated until the company confirms it. Consensus figures are the calendar's latest analyst estimates for the fiscal period and are not an FN2 forecast.

Risks and open questions are carried forward verbatim from FN2's structured analysis of the previous earnings call. Missing values stay missing and are never estimated.

By FN2 Research · Updated . For educational purposes only; not investment advice.