Analyst Consensus ?
ConsensusHold35 ratings
Bullish1542.9%
Neutral1542.8%
Bearish514.3%
Capital One Financial Corporation · COF-PL · FY2025 Q4 · Calendar Q1 2026
Capital One pairs solid credit trends with Brex and Discover execution
The quarter supports a constructive operating narrative through solid credit trends, network expansion, and new business-payments capabilities, but the investment case depends on disciplined execution of the Brex and Discover integration plans.
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-PL FY2025 Q4
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How did the market react to COF-PL FY2025 Q4 earnings, and why?What changed in COF-PL's guidance and outlook in FY2025 Q4?Give me the bull and bear case for COF-PL after FY2025 Q4 earnings.
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Transcript intelligence
What changed
Capital One announced a stock-and-cash Brex acquisition and highlighted Discover network expansion, AI-enabled products, and continued capital return. The quarter also included a one-time gain from the Discover home-loan portfolio sale, while credit-loss provisions increased year over year.
Guidance delta
Not provided in the supplied analysis.
Key takeaways
- Management described the quarter as supported by solid credit metrics and a one-time gain from the Discover home-loan portfolio sale.
- The announced Brex acquisition adds a business-payments and small-business banking platform, but execution and integration remain important variables.
- Management emphasized Discover network acceptance, AI-enabled products, continued card-franchise growth, and capital return.
Management priorities
- Integrate Brex and Discover while expanding the Discover network’s global acceptance.
- Invest in AI-enabled shopping, auto, and travel products and grow the national retail bank and heavy-spender card franchise.
- Maintain capital generation to support share repurchases and dividend growth.
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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-PL the moment it posts. Free to start.
Start freeCompany context
Snapshot as of publicationCapital One Financial Corporation serves as the parent organization for its banking subsidiaries, Capital One Bank (USA), National Association, and Capital One, National Association. These entities deliver a diverse range of financial products and services to customers across the United States, Canada, and the United Kingdom. The corporation structures its business into three main divisions: Credit Card, Consumer Banking, and Commercial Banking. Its offerings include various deposit accounts like checking, money market, negotiable order of withdrawal (NOW), savings, and time deposits.…
Historical context
All COF-PL earningsFinancial Services peers this season
Latest reports in the same sector| Company | Quarter | EPS surprise | Market move | Headline |
|---|---|---|---|---|
| COF-PI Capital One Financial Corporation | FY2026 Q3 · Calendar Q4 2026 | +21.6% | — | Capital One posts strong Q3 as Discover synergies accelerate |
| MSCI MSCI Inc. | FY2026 Q3 · Calendar Q4 2026 | +1.6% | +5.0% | MSCI: Broad Q3 momentum, with Climate pressure still in view |
| 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
- 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
- EWBCFY2026 Q3 · October 20, 2026+1.5% EPS+2.2% 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-PL recap when the next report posts
One email per quarter with the scorecard, the market reaction and what changed on the call. No account needed.
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.