Capital One Financial Corporation · COF · Next earnings

Capital One Financial Corporation reports Thursday, Jan 28, 2027

COF reports after market close with consensus EPS at $4.86 and revenue at $16.60B. Last quarter: Capital One posts Q3 beat as synergies and credit trends strengthen

Reports After market close84 days awayDate estimated Financial Services

What the street expects

Consensus for the coming report
Consensus EPS $4.86 Calendar consensus
Consensus revenue $16.60B Calendar consensus
Report date Jan 28, 2027 Thursday, date estimated
Session After market close 84 days away

Where COF left off: FY2026 Q3

Full report

Capital One posts Q3 beat as synergies and credit trends strengthen

EPS surprise +21.6% Reported $6.69 vs $5.50
Revenue surprise +0.3% Reported $16.30B vs $16.25B
Stock move +0.9% Event window
Subsequent drift 0.0% Up to 20 sessions

Maintained. Management expects seasonal marketing growth in Q4 and continued elevated marketing investment into 2027; no change in guidance sentiment was identified.

What to watch on the call

Carried forward from the last transcript

Risks management flagged

  • Higher marketing spending could pressure efficiency ratios if revenue growth does not keep pace.
  • Integration and migration delays could reduce the expected Discover and Brex benefits.
  • The Visa/Mastercard settlement could affect interchange revenue.
  • A normalizing economy or macroeconomic deterioration could weaken credit performance.

Questions analysts left open

  • Whether elevated marketing spending generates sufficient organic growth, especially during the Discover loan-growth brownout.
  • The timing and execution of Brex technology integration and Discover network migration.
  • Potential effects of the Visa/Mastercard settlement and future credit normalization on revenue and profitability.

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Recent COF quarters

All COF earnings
+0.9%FY2026 Q3-2.4%FY2026 Q2-1.5%FY2026 Q1+1.5%FY2025 Q3

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.