COF Earnings Date: Jan 28, 2027 (Estimated) — Capital One Financial Corporation
NYSE · Financials · Credit Services
Updated
When is COF's next earnings date?
Capital One Financial Corporation (COF) is expected to report Q4 2026 earnings on Thursday, January 28, 2027 at 4:00 PM ET (after market close); the date is an estimate and has not been confirmed by the company. The consensus estimate is EPS of $4.81 on revenue of $16.58B.
How did COF do in its last earnings report?
In its most recent report on Oct 20, 2026 (Q3 2026), Capital One Financial Corporation posted EPS of $6.69 versus the $5.49 estimate, a beat of 21.9%. Revenue was $16.30B against a $16.26B estimate. The stock's 1-day post-earnings move was +2.5%.
How much does COF stock move after earnings?
COF beat EPS estimates in 6 of its last 8 reported quarters. Over the last 8 reports the stock moved an average of 3.0% (up or down) in the day after earnings.
About Capital One Financial Corporation
Capital One Financial Corporation, identified by its ticker COF, operates as a prominent financial services holding company. It oversees essential subsidiaries such as Capital One Bank (USA), National Association, and Capital One, National Association, which collectively offer a broad spectrum of financial products and services throughout the United States, Canada, and the United Kingdom. The company structures its extensive operations into three core divisions: Credit Card, Consumer Banking, and Commercial Banking. Clients can utilize various deposit instruments, including checking accounts, money market accounts, negotiable order of withdrawal (NOW) accounts, savings accounts, and time deposits. Capital One's lending solutions are equally comprehensive, encompassing credit card financing, personal auto and retail banking loans, as well as significant commercial and multifamily real estate loans, and broader commercial and industrial credit facilities. Furthermore, the corporation provides credit and debit card issuance, robust online direct banking capabilities, and specialized treasury management and custodial services. Capital One serves a diverse clientele that includes individual consumers, small enterprises, and large commercial entities. It reaches these customers through a multi-channel approach, leveraging digital platforms, traditional physical branches, innovative café locations, and other distribution points, particularly within key states like New York, Louisiana, Texas, Maryland, Virginia, New Jersey, and California. Established in 1988, Capital One Financial Corporation maintains its primary executive offices in McLean, Virginia.
🤖 AI Earnings Analysis
Capital One delivered a strong $6.69 EPS beat, up 12% year over year, on revenue growth of 6% to $16.3B. The headline is positive, though reported operating losses make earnings quality difficult to assess.
AI-generated summary — powered by BigEarnings.
Earnings History
| Date | Period | EPS Est. | EPS Act. | Surprise | Revenue | Result | 1D Δ | 1W Δ | 1M Δ |
|---|---|---|---|---|---|---|---|---|---|
| 2026-10-20 | Q3 2026 | 5.49 | 6.69 | +21.86% | $16.30B | ✅ Beat | +2.53% | +0.93% | — |
| 2026-07-21 | Q2 2026 | 4.80 | 5.81 | +21.04% | $15.85B | ✅ Beat | -2.36% | +3.00% | +7.42% |
| 2026-04-21 | Q1 2026 | 4.59 | 4.42 | -3.70% | $15.23B | ❌ Miss | -1.51% | -5.13% | -7.14% |
| 2026-01-22 | Q4 2025 | 4.11 | 3.86 | -6.08% | $15.58B | ❌ Miss | -7.56% | -6.71% | -18.86% |
| 2025-10-21 | Q3 2025 | 4.31 | 5.95 | +38.05% | $15.36B | ✅ Beat | +1.53% | +1.82% | -6.40% |
| 2025-07-22 | Q2 2025 | 3.67 | 5.48 | +53.93% | $12.49B | ✅ Beat | +0.94% | -1.65% | -0.98% |
| 2025-04-22 | Q1 2025 | 3.69 | 4.06 | +10.03% | $10.00B | ✅ Beat | +3.68% | +7.57% | +9.83% |
| 2025-01-21 | Q4 2024 | 2.80 | 3.09 | +10.36% | $10.19B | ✅ Beat | +4.00% | +5.13% | +6.61% |
Showing last 8 quarters.
Revenue by segment & region
By segment
Q2 FY26 · $15.85B total
| Segment | Share | Revenue | YoY | Q2 FY24 | Q3 FY24 | Q4 FY24 | Q2 FY25 |
|---|---|---|---|---|---|---|---|
| Credit Card | 74.2% | $11.77B | — | — | — | — | — |
| Consumer Banking | 20.2% | $3.21B | — | — | — | — | — |
| Commercial Banking | 5.4% | $850.0M | — | — | — | — | — |
| Other | 0.2% | $26.0M | — | — | — | — | — |
By region
FY2023 · $36.79B total · annual
| Segment | Share | Revenue | YoY | FY2017 | FY2018 | FY2019 | FY2020 |
|---|---|---|---|---|---|---|---|
| United States | 96.2% | $35.40B | +7.7% | $25.84B | $26.55B | $27.19B | $16.18B |
| International | 3.8% | $1.39B | +0.8% | $1.40B | $1.52B | $1.40B | $12.34B |
Source: company filings via FMP. YoY compares the same fiscal period a year earlier.