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COF Earnings

Capital One Financial Corp
$
215.960
-0.77(-0.355%)1D
  • Overview
  • Forecast
  • Valuation
  • Earnings

Earning Analysis

Welcome to our in-depth analysis of Capital One Financial Corp(COF) earnings, offering investors a detailed look into the company’s financial performance, revenue trends, earnings per share (EPS), and market reactions. This page provides a comprehensive overview of Capital One Financial Corp earnings history, forecasts, and key financial metrics, empowering you with the data needed to make informed investment decisions. Whether you're tracking quarterly results, analyzing earnings surprises, or exploring future projections, our detailed breakdown covers it all.

Earnings Forecast

Revenue
EPS
Currency: USD
Actual
Estimate

Surprise Analysis

Name
EPS
Revenue
Price Reaction
Fiscal QuarterEarning DateTimeEstimateActualSurprise%EstimateActualSurprise%1D5D
FY2025Q22025-07-22After Hours3.835.48+43.0812.86B12.49B-2.90+0.94-1.49
FY2025Q12025-04-22After Hours3.664.06+10.9310.05B10.00B-0.49+3.68+7.60
FY2024Q42025-01-21After Hours2.663.09+16.1710.22B10.19B-0.27+4.00+5.13
FY2024Q32024-10-24After Hours3.704.51+21.899.87B10.01B+1.47+5.23+6.22
FY2024Q22024-07-23-3.283.14-4.279.59B9.51B-0.90+0.27+2.72
FY2024Q12024-04-25-3.253.21-1.239.34B9.40B+0.67-1.95-4.86
FY2023Q42024-01-25-2.502.24-10.409.48B9.51B+0.26+1.11+3.23
FY2023Q32023-10-26-3.274.45+36.099.20B9.37B+1.85+0.61+12.70
FY2023Q22023-07-20-3.313.52+6.349.14B9.01B-1.45-2.52-3.32
-2023-04-27-3.802.31-39.21---+1.66-6.77

COF Earnings Analysis

Our earnings analysis provides a granular look at the company’s performance across recent fiscal quarters, highlighting key metrics such as revenue, EPS, and operating margins. By examining actual results against analyst estimates, we uncover trends and surprises that drive stock price movements, offering valuable insights for both short-term traders and long-term investors.
In the most recent quarter, Capital One Financial Corp reported performance for FY2025Q2, announced on 2025-07-22. The company achieved an EPS of 5.48, compared to analyst estimates of 3.83 by 43.08% . Revenue for the quarter reached 12.49B compared to expectations of 12.86B by -2.90% .
The stock price reacted with a 0.94% one-day change and a -1.49% five-day change following the earnings release. These movements reflect market reaction in Capital One Financial Corp growth trajectory and strategic initiatives.

COF Earnings Forecast

Looking ahead, Capital One Financial Corp(COF) remains a focal point for investors seeking growth opportunities. Analyst forecasts for 2025/Q3 project quarter revenue of 15.00B and an EPS of 4.24.
However, recent estimate revisions provide additional context. Over the past three months, revenue estimates for FY2025 have been Revise Upward by 28.1%, while EPS estimates have been No Change by 0%. For the upcoming Q3 2025, revenue estimates have been adjusted Revise Upward by 44.55% . These revisions correlate with a 7.42% change in stock price over the same period, suggesting potential buying opportunities for investors who believe in Capital One Financial Corp long-term fundamentals.
The relationship between earnings forecast revisions and stock price movements is critical for investors. Positive revisions in revenue or EPS often signal strengthening fundamentals, making temporary price dips attractive entry points. Conversely, downward revisions may reflect short-term challenges.

Estimate Revision

The chart shows the correlation between COF's stock price and earnings forecast revisions. Positive revisions in Revenue or EPS often strengthen the stock's fundamentals, making price dips potential buying opportunities.
Revenue Estimates for FY2025
Revise Upward
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+28.1%
In Past 3 Month
EPS Estimates for FY2025
No Change
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0.00%
In Past 3 Month
Revenue Estimates for Q3 2025
Revise Upward
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+44.55%
In Past 3 Month
Stock Price
Go Up
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+7.42%
In Past 3 Month
1Y
3Y
5Y
Annual FY 2025
Currency: USD
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Revenue Estimate-Annual FY 2025:52.70B
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EPS Estimate-Annual FY 2025:15.61
Stock Price215.96

COF Revenue and EPS Performance: A Historical Perspective

Capital One Financial Corp revenue and earnings per share (EPS) performance over recent quarters provides a clear picture of its financial health. Below is a detailed breakdown of the company’s earnings history, showcasing actual results, analyst estimates, and surprise percentages for key fiscal quarters:
FY2025Q2 (2025-07-22,After Hours):
EPS: 5.48 (Actual) vs.3.83 (Estimate) (43.08%)
Revenue: 12.49B (Actual) vs. 12.86B (Estimate) (-2.90%)
Price Reaction: 0.94%(1-Day), -1.49%(5-Day)
FY2025Q1 (2025-04-22,After Hours):
EPS: 4.06 (Actual) vs.3.66 (Estimate) (10.93%)
Revenue: 10.00B (Actual) vs. 10.05B (Estimate) (-0.49%)
Price Reaction: 3.68%(1-Day), 7.60%(5-Day)
FY2024Q4 (2025-01-21,After Hours):
EPS: 3.09 (Actual) vs.2.66 (Estimate) (16.17%)
Revenue: 10.19B (Actual) vs. 10.22B (Estimate) (-0.27%)
Price Reaction: 4.00%(1-Day), 5.13%(5-Day)
Earnings Reaction
The chart below shows how COF performed 10 days before and after its earnings report, based on data from the past quarters. Typically, COF sees a -2.81% change in stock price 10 days leading up to the earnings, and a +2.84% change 10 days following the report. On the earnings day itself, the stock moves by +0.35%. This data can give you a slight idea of what to expect for the next quarter's release.
For example, in JUN/2025, the stock changed 0.94% on the day following the earnings release and then changed by -2.49% over the next 10 days. These patterns provide investors with valuable insights into potential price movements and help inform trading strategies around earnings events.

Transcript Summary

Capital One Financial Corp (COF) Q2 2025 Earnings Call Summary
Neutral
2025-07-22
The earnings call presents mixed signals: strong financial performance with a positive acquisition outlook, but management's lack of specific guidance and higher integration costs create uncertainty. The Q&A shows bullish sentiment but lacks clarity on key financial metrics, leading to a neutral sentiment. Without clear guidance and details, the market may remain cautious, resulting in neutral stock price movement.
Capital One Financial Corp (COF) Q1 2025 Earnings Call Summary
Neutral
2025-04-22
The earnings call presents a mixed picture: strong credit performance and increased loan balances are positives, but revenue declines in consumer and commercial banking, increased expenses, and lack of clear guidance on synergies and capital return are concerns. The Q&A highlights management's caution and lack of direct answers on key financial metrics. While the Discover acquisition and marketing strategies may offer future growth, near-term uncertainties and market reactions to these factors likely result in a neutral stock price movement over the next two weeks.
Earnings call transcript: Capital One Q3 2024 earnings beat expectations
Neutral
2025-01-21
The earnings call presents a mixed outlook. While there are positive elements like increased liquidity reserves, improved NIM, and stable credit performance, there are also concerns about rising charge-off rates and potential revenue impacts from regulatory changes. The Q&A session highlights uncertainties in credit trends and regulatory environments. The lack of clear guidance on the late fee rule and the absence of significant positive catalysts like new partnerships or optimistic guidance lead to a neutral sentiment. Without a market cap, the stock's reaction remains uncertain, but likely within a neutral range.
Capital One Financial Corporation (COF) Q3 2024 Earnings Call Summary
Neutral
2024-10-25
The earnings report shows mixed results: positive revenue growth and improved net interest margin, but increased non-interest expenses and charge-off rates. The Q&A highlighted concerns about inflation, interest rates, and delayed charge-offs, but management's optimism about the consumer market and auto business provides a balance. The lack of clear guidance on credit normalization and the late fee rule adds uncertainty. Overall, these factors suggest a neutral stock price movement over the next two weeks, with no strong catalysts for significant change.
Capital One Financial Corporation (COF) Q2 2024 Earnings Call Summary
Neutral
2024-07-24
The earnings report shows mixed signals: slight growth in loans and deposits, increased pre-provision earnings, and a higher net interest margin are positives. However, increased provisions for credit losses and rising charge-off rates, particularly in consumer banking, are concerning. The Q&A session reveals some uncertainties, especially regarding reserve rates and competitive pressures. The lack of clear guidance on peak charge-offs and reserve impacts adds to the neutral sentiment. Without knowing the market cap, a neutral rating is prudent due to balanced positive and negative factors.

FAQ

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What were the key highlights of COF’s latest earnings report for FY2025Q2?

COF reported its FY2025Q2 earnings on 2025-07-22, showcasing a revenue of 12.49B against an estimate of 12.86B, resulting in a -2.9% surprise. The EPS was 5.48, surpassing the expected 3.83 by 43.08% . The stock experienced a 0.94% price change on the earnings day and a -1.49% change over the next five days, reflecting market reactions to the results.
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How did COF’s stock price react after the FY2025Q2 earnings release?

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What are the revenue and EPS estimates for COF for 2025/Q3?

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How does COF’s stock price correlate with earnings forecast revisions?

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What should investors expect from COF’s next earnings report?

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What is the sentiment in Capital One Financial Corp (COF) Q2 2025 Earnings Call Summary?