Capital One Financial Corporation · COF-PN · Next earnings

Capital One Financial Corporation reports Tuesday, Jan 26, 2027

COF-PN reports after market close with consensus EPS at $4.78 and revenue at $16.58B. Last quarter: Capital One highlights integration synergies and stronger Q3 earnings power

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-PN left off: FY2026 Q3

Full report

Capital One highlights integration synergies and stronger Q3 earnings power

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

Guidance sentiment was maintained. Management plans to keep marketing spend elevated into 2027, complete Discover back-book conversion by Q1 2027, and continue Brex and AI-led technology investments.

What to watch on the call

Carried forward from the last transcript

Risks management flagged

  • A weaker growth response could make elevated marketing spending a profitability pressure.
  • The timing and final impact of the Visa/MasterCard settlement remain uncertain.
  • Brex integration, Discover migration, and a deterioration in credit conditions could weigh on results.

Questions analysts left open

  • Whether higher marketing spend will generate sufficient returns, particularly around Discover integration.
  • The quantitative earnings impact of the Visa/MasterCard settlement and the path of the efficiency ratio.
  • Whether credit-performance improvements remain sustainable and how net interest margin responds to deposit and rate changes.

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Recent COF-PN quarters

All COF-PN 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.