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Evergreen Capital Management LLC reduced its position in Capital One Financial Corporation (NYSE:COF – Free Report) by 3.0% in the 3rd quarter, according to the company in its most recent 13F filing with the Securities and Exchange Commission (SEC). The firm owned 509,452 shares of the financial services provider’s stock after selling 15,877 shares during the period. Capital One Financial comprises about 1.7% of Evergreen Capital Management LLC’s portfolio, making the stock its 9th biggest holding. Evergreen Capital Management LLC owned about 0.08% of Capital One Financial worth $98,360,000 at the end of the most recent reporting period.

Other hedge funds have also recently added to or reduced their stakes in the company. Gibbs Wealth Management increased its holdings in Capital One Financial by 41.5% in the third quarter. Gibbs Wealth Management now owns 8,826 shares of the financial services provider’s stock valued at $1,704,000 after buying an additional 2,589 shares in the last quarter. Farmers & Merchants Investments Inc. raised its position in shares of Capital One Financial by 0.7% in the third quarter. Farmers & Merchants Investments Inc. now owns 89,026 shares of the financial services provider’s stock worth $17,188,000 after acquiring an additional 636 shares during the period. Capital Investment Advisors LLC boosted its stake in shares of Capital One Financial by 10.4% during the 3rd quarter. Capital Investment Advisors LLC now owns 7,399 shares of the financial services provider’s stock worth $1,429,000 after acquiring an additional 694 shares in the last quarter. Atala Financial Inc purchased a new stake in shares of Capital One Financial during the 3rd quarter worth about $515,000. Finally, Fifth Third Wealth Advisors LLC grew its position in shares of Capital One Financial by 5.0% during the 3rd quarter. Fifth Third Wealth Advisors LLC now owns 20,733 shares of the financial services provider’s stock valued at $4,003,000 after acquiring an additional 983 shares during the period. 89.84% of the stock is owned by hedge funds and other institutional investors.

Trending Headlines about Capital One Financial Here are the key news stories impacting Capital One Financial this week:

Positive Sentiment: Q3 results exceeded expectations. Capital One reported adjusted earnings per share of $6.69, up 12% year over year, while revenue increased 6% to $16.3 billion. The double beat initially supported bullish investor sentiment. Capital One Earnings: After a Double Beat the Rally Is On Positive Sentiment: Discover integration is showing early operating benefits. Net interest margin expanded to 8.41%, pre-provision earnings rose 10% sequentially to $7.5 billion, and the efficiency ratio improved. Global Payment Network volume climbed 25% to $190.9 billion, supporting the case for greater long-term earnings power from the acquisition. Capital One Grows Quarterly Profit as Card Lending and Discover Integrate Positive Sentiment: Capital return and analyst support remain favorable. Capital One repurchased $2.6 billion of stock during the quarter and has bought back approximately $7.9 billion in 2026. JPMorgan raised its price target, while BMO’s analysis points to potential appreciation despite retaining a Hold rating. Capital One Stock Gets Price Target Boost from JPMorgan Neutral Sentiment: Credit metrics are mixed but not clearly deteriorating. Domestic card delinquencies increased sequentially to 3.74%, although they remained below the year-ago level. Net charge-offs declined to 3.98%, and the company released $225 million from credit-loss reserves. Investors remain focused on whether the broader consumer credit cycle worsens. Capital One: Discover Makes It Interesting But The Credit Cycle Decides Negative Sentiment: Recent price-target reductions and conflicting ratings are limiting enthusiasm. BMO maintained a Hold rating, analysts remain divided, and separate reports cited roughly 20% reductions in targets for Capital One preferred stock. Those preferred-stock revisions do not directly value COF common shares but may add to cautious sentiment. BMO Capital Sticks to Its Hold Rating Analyst Upgrades and Downgrades Several brokerages recently weighed in on COF. BMO Capital Markets lifted their price target on Capital One Financial from $219.00 to $225.00 and gave the company a “market perform” rating in a research note on Wednesday. Morgan Stanley reduced their price target on Capital One Financial from $273.00 to $267.00 and set an “overweight” rating for the company in a report on Monday, October 12th. HSBC upgraded Capital One Financial from a “hold” rating to a “buy” rating and increased their price target for the stock from $226.00 to $229.00 in a research report on Sunday, July 12th. Citigroup raised their price objective on Capital One Financial from $280.00 to $285.00 and gave the company a “buy” rating in a report on Wednesday. Finally, Barclays boosted their price objective on Capital One Financial from $237.00 to $238.00 and gave the company an “overweight” rating in a research report on Wednesday. Twenty equities research analysts have rated the stock with a Buy rating and four have given a Hold rating to the stock. According to MarketBeat, Capital One Financial currently has a consensus rating of “Moderate Buy” and an average price target of $256.32. Get Our Latest Research Report on Capital One Financial

Capital One Financial Trading Down 1.1% Shares of Capital One Financial stock opened at $201.26 on Friday. The company has a current ratio of 1.02, a quick ratio of 1.02 and a debt-to-equity ratio of 0.45. Capital One Financial Corporation has a twelve month low of $174.24 and a twelve month high of $259.64. The firm has a market capitalization of $123.47 billion, a PE ratio of 11.88, a P/E/G ratio of 0.95 and a beta of 1.04. The firm’s 50-day moving average price is $206.09 and its 200 day moving average price is $200.95.

Capital One Financial (NYSE:COF – Get Free Report) last announced its earnings results on Tuesday, October 20th. The financial services provider reported $6.69 EPS for the quarter, beating analysts’ consensus estimates of $5.53 by $1.16. Capital One Financial had a return on equity of 11.64% and a net margin of 13.70%. The business had revenue of $16.31 billion during the quarter, compared to analysts’ expectations of $16.25 billion. During the same quarter in the prior year, the firm earned $5.95 earnings per share. The business’s revenue was up 6.4% compared to the same quarter last year. On average, sell-side analysts predict that Capital One Financial Corporation will post 21.28 EPS for the current fiscal year.

Capital One Financial Dividend Announcement The company also recently declared a quarterly dividend, which was paid on Tuesday, September 1st. Stockholders of record on Monday, August 17th were paid a $0.80 dividend. The ex-dividend date of this dividend was Monday, August 17th. This represents a $3.20 dividend on an annualized basis and a dividend yield of 1.6%. Capital One Financial’s payout ratio is currently 18.89%.

Insider Activity In other Capital One Financial news, insider Celia Karam sold 1,927 shares of the firm’s stock in a transaction on Thursday, October 15th. The stock was sold at an average price of $195.86, for a total value of $377,422.22. Following the transaction, the insider owned 55,774 shares in the company, valued at approximately $10,923,895.64. This trade represents a 3.34% decrease in their position. The sale was disclosed in a document filed with the SEC, which is accessible through the SEC website. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. Also, insider Lia Dean sold 1,887 shares of the firm’s stock in a transaction on Thursday, October 15th. The shares were sold at an average price of $195.86, for a total value of $369,587.82. Following the completion of the transaction, the insider owned 59,308 shares in the company, valued at $11,616,064.88. The trade was a 3.08% decrease in their position. The disclosure for this sale is available in the SEC filing. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. Insiders sold 37,664 shares of company stock valued at $7,914,162 in the last three months. Company insiders own 0.78% of the company’s stock.

Capital One Financial Company Profile (Free Report)

Capital One Financial Corporation is a diversified financial services company headquartered in McLean, Virginia. Founded in 1994, the company operates as a bank holding company through Capital One, N.A., providing financial products and services to consumers, small businesses and commercial customers.

Capital One is best known for its credit card business, which offers a range of consumer and business cards. Its other activities include consumer banking products such as checking and savings accounts, auto loans and retail banking services, as well as commercial banking services for businesses and institutions.

The company primarily serves customers in the United States through digital channels, branches and other distribution networks.

Featured Articles Five stocks we like better than Capital One Financial Bloom Energy Just Reported—Its Biggest Order Is Still Waiting on a Pipeline Why Western Digital’s AI Storage Boom Defies the Chip Sell-Off Grand Canyon Education Strengthens Its Outlook, But Wall Street Remains Divided Amex Stock Slides on Job Cuts, But the Real Story Is Macro Want to see what other hedge funds are holding COF? Visit HoldingsChannel.com to get the latest 13F filings and insider trades for Capital One Financial Corporation (NYSE:COF – Free Report).

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Capital One Financial is rated Buy at $202, driven by long-term value from the Discover acquisition and synergy potential. COF's Q3 results were strong, but normalized provisions and credit losses remain key risks, especially in a downturn. The Discover network integration offers cost savings and revenue upside, though interchange fee litigation and international acceptance pose headwinds.

Carnegie Investment Counsel decreased its holdings in shares of Capital One Financial Corporation (NYSE:COF – Free Report) by 21.1% in the 3rd quarter, according to its most recent disclosure with the Securities and Exchange Commission. The fund owned 11,721 shares of the financial services provider’s stock after selling 3,138 shares during the quarter. Carnegie Investment Counsel’s holdings in Capital One Financial were worth $2,263,000 as of its most recent SEC filing.

A number of other hedge funds have also added to or reduced their stakes in COF. Solstein Capital LLC bought a new stake in Capital One Financial during the 2nd quarter worth about $26,000. Gilpin Wealth Management LLC acquired a new position in shares of Capital One Financial during the 3rd quarter worth about $27,000. Ballast Advisors LLC acquired a new position in shares of Capital One Financial during the 1st quarter worth about $27,000. Pension & Wealth Management Advisors Inc. bought a new position in shares of Capital One Financial in the 2nd quarter valued at about $31,000. Finally, Frazier Financial Advisors LLC bought a new position in shares of Capital One Financial in the 1st quarter valued at about $29,000. Institutional investors own 89.84% of the company’s stock.

Insider Buying and Selling
In related news, insider Ravi Raghu sold 9,726 shares of the firm’s stock in a transaction dated Friday, July 31st. The shares were sold at an average price of $209.78, for a total value of $2,040,320.28. Following the completion of the sale, the insider directly owned 26,328 shares in the company, valued at approximately $5,523,087.84. This trade represents a 26.98% decrease in their position. The sale was disclosed in a document filed with the SEC, which is accessible through the SEC website. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. Also, insider Lia Dean sold 1,887 shares of Capital One Financial stock in a transaction dated Thursday, October 15th. The stock was sold at an average price of $195.86, for a total value of $369,587.82. Following the transaction, the insider owned 59,308 shares of the company’s stock, valued at $11,616,064.88. The trade was a 3.08% decrease in their position. The disclosure for this sale is available in the SEC filing. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. Insiders sold 37,664 shares of company stock worth $7,914,162 in the last 90 days. 0.78% of the stock is owned by corporate insiders.

Analyst Upgrades and Downgrades
COF has been the topic of a number of recent research reports. TD Cowen lifted their target price on Capital One Financial from $242.00 to $250.00 and gave the company a “buy” rating in a research report on Wednesday. Wall Street Zen lowered Capital One Financial from a “buy” rating to a “hold” rating in a report on Sunday, August 2nd. BTIG Research increased their price target on Capital One Financial from $224.00 to $259.00 and gave the company a “buy” rating in a research report on Tuesday, June 30th. Barclays raised their price target on Capital One Financial from $237.00 to $238.00 and gave the company an “overweight” rating in a research note on Wednesday. Finally, HSBC upgraded Capital One Financial from a “hold” rating to a “buy” rating and raised their price target for the company from $226.00 to $229.00 in a research note on Sunday, July 12th. Nineteen research analysts have rated the stock with a Buy rating and five have given a Hold rating to the company’s stock. According to data from MarketBeat.com, the stock currently has an average rating of “Moderate Buy” and a consensus price target of $256.32.
Read Our Latest Report on Capital One Financial

Key Headlines Impacting Capital One Financial
Here are the key news stories impacting Capital One Financial this week:

Positive Sentiment: Capital One reported adjusted earnings of $6.69 per share, above the roughly $5.45–$5.50 analyst consensus, while revenue reached approximately $16.3 billion, up about 6% year over year. Net income rose to $3.54 billion, helping drive the favorable market reaction. Capital One Beats Q3 Earnings and Revenue Estimates
Positive Sentiment: Profitability trends improved: net interest margin expanded to 8.41%, pre-provision earnings increased, and the provision for credit losses declined from the prior quarter. Domestic credit-card net charge-offs also improved to 3.98%. Capital One Reports $3.5 Billion Q3 Profit
Positive Sentiment: Management said the Discover acquisition is progressing ahead of schedule, with annualized synergies reported at approximately $1.8 billion. Investors also noted share repurchases and continued growth in Global Payment Network transaction volume. Capital One Q3 Earnings Call Transcript
Positive Sentiment: JPMorgan raised its COF price target from $227 to $241 and assigned an overweight rating. BMO also lifted its target from $219 to $225, though it retained a market perform rating, signaling upside potential but some analyst caution.
Neutral Sentiment: Capital One plans to increase marketing and network investment to compete more aggressively, which could support long-term growth but may pressure near-term expenses. Capital One Will Step Up Marketing
Negative Sentiment: Credit metrics were mixed: credit-card delinquencies of 30 days or more increased to 3.74%. In addition, several insiders have sold shares recently, although at least one transaction was conducted under a pre-arranged trading plan.

Capital One Financial Stock Performance
NYSE COF opened at $205.98 on Thursday. The company has a current ratio of 1.02, a quick ratio of 1.02 and a debt-to-equity ratio of 0.39. The firm’s fifty day moving average price is $207.03 and its two-hundred day moving average price is $200.80. Capital One Financial Corporation has a 1 year low of $174.24 and a 1 year high of $259.64. The firm has a market capitalization of $126.37 billion, a P/E ratio of 9.70, a price-to-earnings-growth ratio of 0.97 and a beta of 1.04.

Capital One Financial (NYSE:COF – Get Free Report) last announced its quarterly earnings results on Tuesday, October 20th. The financial services provider reported $6.69 EPS for the quarter, beating analysts’ consensus estimates of $5.53 by $1.16. Capital One Financial had a net margin of 13.70% and a return on equity of 11.54%. The firm had revenue of $16.31 billion during the quarter, compared to analysts’ expectations of $16.25 billion. During the same quarter last year, the company posted $5.95 earnings per share. The company’s revenue for the quarter was up 6.4% compared to the same quarter last year. As a group, research analysts anticipate that Capital One Financial Corporation will post 20.36 EPS for the current year.

Capital One Financial Dividend Announcement
The company also recently announced a quarterly dividend, which was paid on Tuesday, September 1st. Stockholders of record on Monday, August 17th were issued a $0.80 dividend. This represents a $3.20 dividend on an annualized basis and a dividend yield of 1.6%. The ex-dividend date of this dividend was Monday, August 17th. Capital One Financial’s dividend payout ratio is presently 19.80%.

Capital One Financial Company Profile
(Free Report)

Capital One Financial Corporation is a diversified financial services company headquartered in McLean, Virginia. Founded in 1994, the company operates as a bank holding company through Capital One, N.A., providing financial products and services to consumers, small businesses and commercial customers.

Capital One is best known for its credit card business, which offers a range of consumer and business cards. Its other activities include consumer banking products such as checking and savings accounts, auto loans and retail banking services, as well as commercial banking services for businesses and institutions.

The company primarily serves customers in the United States through digital channels, branches and other distribution networks.

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Want to see what other hedge funds are holding COF? Visit HoldingsChannel.com to get the latest 13F filings and insider trades for Capital One Financial Corporation (NYSE:COF – Free Report).

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Eligible new Capital One Venture X Business cardholders can earn up to $4,300 in travel value across bonus miles and credits through Capital One Business Travel

MCLEAN, Va.--(BUSINESS WIRE)--Yesterday, Capital One announced a limited time offer for eligible new Capital One Venture X Business cardholders as part of its ongoing celebration of the card's third anniversary.

For a limited time starting on October 20, 2026, eligible new Venture X Business cardholders can earn up to $4,300 in travel value across bonus miles and credits through Capital One Business Travel. New cardholders can earn 150,000 miles ($1,500 value) after spending $40,000 within the first four months of account opening and an additional 150,000 ($1,500 value) miles and a $1,000 Capital One Business Travel credit after spending $120,000 within the first four months of account opening. This is in addition to the $300 annual Capital One Business Travel credit cardholders receive regardless of their spend.

Additionally, cardholders can receive their fourth night free at select Premier and Lifestyle Collection hotels when they book a stay of at least four nights through Capital One Business Travel, a complimentary travel booking platform designed specifically for business owners.

This offer gives customers the flexibility and opportunity to unlock more value, in addition to the 10X elevated earn, when booking travel through Capital One Business Travel through the end of 2026 and into 2027. As business owners prepare to close out the year and plan for future growth, these rewards help turn everyday business spending into future travel opportunities.

“Travel plays an important role in how many businesses build relationships, pursue opportunities and drive growth,” said Ami Vedak, Managing Vice President, Capital One Business. “By turning business spending into meaningful travel rewards, cardholders can reinvest value back into their businesses, pursue new opportunities and enjoy the premium benefits and flexibility that Venture X Business delivers.”

This offer is in addition to the recent limited time offer launched Sept. 30 for eligible existing cardholders.

A Premium Business Travel Card Built for Growing Businesses

Venture X Business is designed for business owners who want premium travel benefits paired with straightforward rewards.

In addition to the limited time offer, primary cardholders earn:

Unlimited 2X miles on every purchase, everywhere 10X miles on hotels and rental cars booked through Capital One Business Travel 5X miles on flights and vacation rentals booked through Capital One Business Travel A fourth night free at select Premier and Lifestyle Collection hotels when booking an eligible stay of four nights or more through Capital One Business Travel A $300 annual travel credit A 10,000-mile anniversary bonus Complimentary access to Capital One Lounges and Capital One Landings No preset spending limit, providing purchasing power that adapts to business needs $395 annual fee Cardholders also have complimentary access to Capital One Business Travel, an all-in-one travel management platform which enables businesses to save time and money, make booking easy for employees, and earn rewards at no additional cost.

Key Details About the Venture X Business Limited Time Offers

Applicants approved during the promotional period are eligible to earn the bonus rewards upon meeting the applicable spending requirements within the first four months of account opening. Other Capital One Business cardholders may apply for Venture X Business and receive the welcome offer if approved.

For more information, please visit www.capitalone.com/small-business/credit-cards/venture-x-business/

For additional business card options, please visit www.capitalone.com/small-business/credit-cards/

About Capital One Business

Capital One offers a broad spectrum of financial products and services to consumers, small businesses, and commercial clients. Capital One Business offers a diverse suite of financial products, tools and services designed specifically for small businesses, including credit cards with unlimited rewards and banking products and services. Capital One Business is committed to fueling the courageous entrepreneurial spirit that's at the heart of American small businesses. We are focused on listening to and learning from the millions of businesses we serve every day to make sure our products, services and experiences work as hard as they do.

For more information, visit www.capitalone.com, https://www.capitalone.com/small-business/homepage/ and www.capitalone.com/about/newsroom/.

More News From Capital One

Back to Newsroom

Higher profit and revenue supported the rally, while charge-offs and integration spending remain material. Summary

Earnings improved, but credit costs and acquisition adjustments still separate reported profit from underlying performance.

Consumer lender Capital One COF advanced to $210.04, up approximately 4.21% Wednesday morning, compared with $210.26 at 11.20 a.m. ET, after reporting higher third-quarter profit as its Discover integration continued. According to The Wall Street Journal, quarterly net income reached $3.54 billion, versus $3.19 billion a year earlier. Earnings per share climbed to $5.61 from $4.83. The profit engine is growing. Integration costs remain part of the equation.

Capital One reported adjusted earnings of $6.69 per share and revenue of $16.3 billion, up 3% from the previous quarter. Credit costs deserve attention, too. Its $2.9 billion provision reflected $3.1 billion in net charge-offs, partly offset by a $225 million reserve release. That release cushioned the provision; it did not erase the underlying loan losses.

The valuation graphic puts the shares 13.11% above the $185.69 GF Value estimate, suggesting investors are already paying a premium for the earnings outlook. Meanwhile, the $1.08 gap between adjusted and reported earnings keeps integration expenses and acquisition accounting in focus. The next test is straightforward: turn the Discover combination into lasting earnings gains while keeping credit losses under control. A rising share price makes execution more important.

Disclosures I/we have no positions in any stocks mentioned, and have no plans to buy any new positions in the stocks mentioned within the next 72 hours.

Click for the complete disclosure

Capital One Financial Corp. (NYSE:COF) on Tuesday posted upbeat third-quarter fiscal 2026 results.

Capital One Financial outperformed Q3 expectations, with shares rising over 4% post-earnings amid sector weakness. COF's net interest margin hit a seven-year high at 8.41%, driven by asset yields rising faster than borrowing costs. Loan growth remains robust post-Discover acquisition, but deposit declines have pushed the loan-to-deposit ratio to a four-year high of 91%.

21.10.2026 13:43, COF

Americká finanční společnost Capital One, která se po loňské akvizici společnosti Discover Financial Services stala jedním z největších vydavatelů kreditních karet v USA, včera po uzavření trhu oznámila své výsledky za třetí kvartál roku 2026. Očištěný zisk na akcii překonal očekávání analytiků, a to zejména díky výrazně nižší tvorbě opravných položek, než trh čekal, vyšší čisté úrokové marži a nižším než očekávaným nákladům na marketing.

Výsledky společnosti Capital One Financial (COF) za 3Q 2026   3Q 2026 Konsensus 3Q 2026 3Q 2025 Čisté výnosy (mld. USD) 16,34 16,25 15,36 Čistý zisk (mld. USD) 3,42 -- 3,09 Očištěný zisk na akcii (EPS, USD/akcie) 6,69 5,43 5,95 Výsledky za 3Q Čisté výnosy vzrostly mezikvartálně o 3 % na 16,34 mld. USD. V meziročním srovnání zaznamenaly růst o 6 %.

Čisté úrokové výnosy vzrostly meziročně i mezikvartálně o 4 % na 12,89 mld. USD. Konsensus činil 12,75 mld. USD. Neúrokové výnosy zaznamenaly meziroční růst o 17 % na 3,46 mld. USD. Očekávalo se 3,5 mld. USD. Mezikvartálně poklesly o 1 %.

Čistá úroková marže mezikvartálně vzrostla o 40 bazických bodů na 8,41 %, meziročně pak o 5 bazických bodů. Mezikvartální růst byl tažen vyšším výnosem z kartových úvěrů, nižšími průměrnými hotovostními zůstatky a vyšším počtem dní v kvartálu. Tržní konsensus přitom činil 8,24 %.

Náklady na riziko meziročně vzrostly o 7,4 % na 2,92 mld. USD. Trh odhadoval 3,64 mld. USD. Čisté odpisy úvěrů dosáhly 3,12 mld. USD při očekávání 3,41 mld. USD. Míra odpisů u kreditních karet klesla na 4,01 % z 4,71 % ve 2Q a 4,61 % ve 3Q 2025. Odhad trhu činil 4,27 %.

Neúrokové náklady zaznamenaly mezikvartální pokles o 2 % na 8,86 mld. USD (meziročně vzrostly o 7,2 %). Očekávalo se 9,0 mld. USD. Náklady na marketing vzrostly meziročně o 14 % na 1,59 mld. USD. Trh očekával 1,73 mld. USD.

Celkové vklady ke konci kvartálu mezikvartálně poklesly o 1 % na 480,7 mld. USD. Trh očekával 490,3 mld. USD.

Delikvence kreditních karet (30+ dní) dosáhla 3,74 %, tedy mezikvartálně o 35 bazických bodů více a meziročně o 15 bazických bodů méně. Očekávalo se 3,76 %.

Výsledky zatížily náklady na integraci společnosti Discover ve výši 338 mil. USD před zdaněním (dopad 0,42 USD na akcii) a náklady na integraci fintechu Brex ve výši 47 mil. USD (0,06 USD na akcii).

Komentář CEO „Integrace společnosti Discover nadále probíhá dobře a dosahujeme dobrého pokroku v naplňování očekávaných synergií,“ uvedl zakladatel, předseda představenstva a generální ředitel Richard D. Fairbank. „Nadále investujeme, abychom zajistili udržitelný růst a tvorbu hodnoty v dlouhodobém horizontu.“

Pohled analytiků Analytik David George z Baird uvedl, že lepší zisk před tvorbou opravných položek a daněmi byl tažen disciplinovanými výdaji na marketing a k překonání odhadů zisku na akcii přispěla úvěrová kvalita. Analytik oceňuje solidní výsledky, ale sezónně příznivý kvartál by nepřepočítával na celý rok, zvlášť když čekají vyšší výdaje na marketing a tlak na mezibankovní poplatky. Dodává, že dlouhodobá výdělková síla zůstává podle něj silná.

Analytik Richard Shane z JPMorgan uvedl, že společnost překonala odhady u tvorby opravných položek i čisté úrokové marže a synergie z akvizice se daří naplňovat rychleji, než se plánovalo.

Analytik Brian Foran z Truist uvedl, že ohledně výdělkové síly, kterou přinese dokončovaná integrace Discoveru, panuje velký optimismus. Poznamenal, že společnost rozpustila část rezerv, odpisy úvěrů byly pod běžnou úrovní a třetí kvartál bývá pro Capital One sezónně nejsilnější. Zisk na akcii podle něj solidně překonal odhady, a to i díky lepším nákladům a čisté úrokové marži.

Vývoj akcie Akcie společnosti Capital One Financial (COF) v předburzovní fázi obchodování posilují o 2,2 % na 206 USD.

Akcie Capital One Financial (COF) před výsledky na 201,56 USD Ukazatel   Ukazatel   Kapitalizace (mld. USD) 123,7 P/E 9,9 Vývoj za letošní rok (%) -16,8 Očekávané P/E 9,6 52týdenní minimum (USD) 174,2 Prům. cílová cena (USD) 253,6 52týdenní maximum (USD) 259,6 Dividendový výnos (%) 1,6 Zdroj: Capital One Financial, Bloomberg

Michal Bárta, Fio banka, a.s.

Capital One Financial Corporation (COF) Q3 2026 Earnings Call October 20, 2026 5:00 PM EDT

Company Participants

Jeff Norris - Senior Vice President of Finance
Andrew Young - Chief Financial Officer
Richard Fairbank - Founder, Chairman, CEO & President

Conference Call Participants

Terry Ma - Barclays Bank PLC, Research Division
Ryan Nash - Goldman Sachs Group, Inc., Research Division
Sanjay Sakhrani - Keefe, Bruyette, & Woods, Inc., Research Division
Richard Shane - JPMorgan Chase & Co, Research Division
John Pancari - Evercore ISI Institutional Equities, Research Division
L. Erika Penala - UBS Investment Bank, Research Division
Donald Fandetti - Wells Fargo Securities, LLC, Research Division
Bill Carcache - Piper Sandler & Co., Research Division
Darrin Peller - Wolfe Research, LLC
Robert Wildhack - Autonomous Research US LP
Mihir Bhatia - BofA Securities, Research Division

Presentation

Operator

Good day, and thank you for standing by. Welcome to the Capital One Q3 2026 Earnings Call. Please be advised that today's conference is being recorded. [Operator Instructions]

I would now like to hand the conference over to your speaker today, Jeff Norris, Senior Vice President of Finance. Please go ahead.

Jeff Norris
Senior Vice President of Finance

Thanks very much, Josh, and welcome, everybody. To access the live webcast of this call, please go to the Investors section of Capital One's website, capitalone.com. A copy of the earnings presentation, press release and financial supplement can also be found in the Investors section of Capital One's website, capitalone.com, by selecting financials and then quarterly earnings releases.

With me tonight are Mr. Richard Fairbank, Capital One's Chairman and Chief Executive Officer; and Mr. Andrew Young, Capital One's Chief Financial Officer. Rich and Andrew are going to walk you through the presentation summarizing our third quarter results for 2026.

Please note that this presentation may contain forward-looking statements. Information regarding Capital One's financial performance and any forward-looking

These 4 Earnings Reports Expose the Market’s Growing Economic DivideCapital One Financial NYSE: COF reported third-quarter 2026 net income of $3.5 billion, or $5.61 per diluted common share, as higher revenue and lower expenses lifted pre-provision earnings. Excluding adjustments related to its Discover and Brex acquisitions, earnings per share were $6.69, Chief Financial Officer Andrew Young said during the company’s earnings call.

Revenue increased 3% from the prior quarter while non-interest expense declined 2%, resulting in 10% growth in pre-provision earnings, or 9% on an adjusted basis. Period-end and average loans held for investment each rose 1% sequentially, while period-end and average deposits each fell 1%.

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Fiserv’s Debit Network Talks Raise a Bigger Question for Visa and MastercardCapital One’s provision for credit losses declined 2%, or $73 million, from the prior quarter to $2.9 billion. The provision included $3.1 billion of net charge-offs and a $225 million allowance release. The company’s allowance for credit losses ended the quarter at $22.7 billion, with its total portfolio coverage ratio declining 10 basis points to 4.92%.

Card business posts volume growth and improving charge-offs
Chairman and Chief Executive Officer Richard Fairbank said the domestic card business delivered another quarter of top-line growth and strong credit performance. Purchase volume grew 11% from a year earlier, led primarily by legacy Capital One volume. Brex and the transfer of a legacy corporate card portfolio provided a modest benefit to volume growth, while legacy Discover purchase volume was a modest drag.

Synchrony’s Comeback Is Hiding in Plain SightDiscover’s card loan-growth “brownout” continued during the quarter, with legacy Discover purchase volume essentially flat from a year earlier and legacy Discover card loans down about 3%. Excluding Discover, Capital One’s ending domestic card loans grew about 6%, while total ending balances increased approximately 2% year over year.

Domestic card revenue increased 5% from the third quarter of 2025, supported by higher legacy Capital One purchase volume and loan balances. The segment’s revenue margin was 17.8%.

The domestic card charge-off rate was 3.98%, down 73 basis points from the prior quarter and 65 basis points from a year earlier. Fairbank attributed the improvement to better delinquency trends during the first half of the year and strong recoveries performance. The quarter-end delinquency rate was 3.74%, up 35 basis points sequentially in line with normal seasonality but down 15 basis points year over year.

Domestic card non-interest expense increased 9% from a year earlier, reflecting technology investments, higher marketing spending and the Brex acquisition. Total company marketing expense reached about $1.6 billion, up 14% year over year, driven by direct marketing, media spending and investments in premium customer benefits.

Fairbank said Capital One expects the percentage growth in marketing from the third to fourth quarter to resemble the seasonal increase seen in the same period of 2025. He also said the company expects to “lean harder” into marketing in 2027 as it pursues growth opportunities, restarts Discover marketing and supports businesses including premium cards, Capital One Shopping and national banking.

Discover integration and network strategy
Capital One said it had achieved approximately $1.8 billion of annualized combined Discover synergies year to date, primarily from the debit-card conversion completed early in 2026 and expense savings. Fairbank said the company is achieving expected synergies ahead of schedule.

He said management views the remaining Discover synergies as roughly offsetting the anticipated impact of a proposed Visa and Mastercard merchant settlement, which Capital One is incorporating into its planning despite uncertainty around final court approval. The company expects the settlement’s potential reduction in interchange revenue to be broadly comparable to the remaining synergies yet to be realized.

Global Payment Network transaction volume was approximately $191 billion, up 25% from a year earlier, largely because Capital One converted its debit customers to the Discover Network. Fairbank said the company intends to grow Discover Network credit volume through Discover-branded cards, new Capital One cards issued on the network, and conversions of existing Capital One customers from other networks.

Unlike the debit conversion, the credit migration will not be a single large conversion, he said. Capital One is testing which customers and products to move and is working to expand acceptance and build the Discover brand.

On Discover’s loan-growth brownout, Fairbank said 100% of Discover card originations were on Capital One’s technology stack as of the end of September. The company expects to complete conversion of the existing Discover card portfolio in the first quarter. Discover card originations rose year over year during the quarter for the first time since the acquisition closed, although management expects loan balances to continue contracting for the next several quarters before returning to growth.

Consumer banking and commercial banking trends
Consumer banking ending loan balances rose about $11 billion, or 13%, from a year earlier, while average loans increased 12%. Auto originations climbed 22% year over year. Consumer banking revenue increased about 17%, primarily due to Discover revenue synergies and auto loan growth.

The auto charge-off rate was 1.59%, up 5 basis points from a year earlier and 16 basis points sequentially. Fairbank said the year-over-year increase largely reflected a gradual return of the company’s subprime origination mix to pre-pandemic levels. Auto delinquencies were 4.64%, up 32 basis points from the prior quarter but down 35 basis points year over year.

Consumer banking deposits declined about 1% from the prior quarter, in part due to Discover integration choices, including the sale of a small acquired IRA portfolio. Young said legacy Capital One retail deposits continued to grow.

In commercial banking, ending and average loans both increased about 1% sequentially, as did ending and average deposits. Revenue rose 6% from the prior quarter, supported by non-interest income growth. The commercial banking net charge-off rate was 0%, while criticized performing loans declined 4 basis points to 4.4% and criticized non-performing loans declined 10 basis points to 1.22%.

Margins, liquidity and capital
Capital One’s net interest margin expanded 40 basis points sequentially to 8.41%, driven by higher domestic card yield, a $13 billion reduction in average cash balances and an additional day in the quarter. Young said the structural effects of the Discover acquisition on margin have largely run their course, and future movements are expected to be influenced primarily by seasonality and changes in the relative growth of assets and liabilities.

Total liquidity reserves were about $134 billion at quarter-end, down $10 billion from the prior quarter. Cash declined by about $6 billion to approximately $49 billion, while the market value of investment securities fell by roughly $3 billion. Capital One’s preliminary average liquidity coverage ratio was 163%.

The company’s common equity Tier 1 capital ratio was 13.8%, roughly unchanged from the second quarter. Net income was largely offset by $2.6 billion in share repurchases, dividends and business growth.

About Capital One Financial (NYSE:COF)Capital One Financial Corporation is a diversified financial services company headquartered in McLean, Virginia. Founded in 1994, the company operates as a bank holding company through Capital One, N.A., providing financial products and services to consumers, small businesses and commercial customers.

Capital One is best known for its credit card business, which offers a range of consumer and business cards. Its other activities include consumer banking products such as checking and savings accounts, auto loans and retail banking services, as well as commercial banking services for businesses and institutions.

The company primarily serves customers in the United States through digital channels, branches and other distribution networks.

This instant news alert was generated by narrative science technology and financial data from MarketBeat in order to provide readers with the fastest reporting and unbiased coverage. Please send any questions or comments about this story to [email protected].

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Capital One Financial Corp. (NYSE:COF) posted its third-quarter fiscal 2026 results after Tuesday's closing bell, easily beating consensus estimates.  Here's a look at the details inside the report.

Capital One (COF - Free Report) came out with quarterly earnings of $6.69 per share, beating the Zacks Consensus Estimate of $5.45 per share. This compares to earnings of $5.95 per share a year ago. These figures are adjusted for non-recurring items.

This quarterly report represents an earnings surprise of +22.75%. A quarter ago, it was expected that this credit card issuer and bank would post earnings of $4.85 per share when it actually produced earnings of $5.81, delivering a surprise of +19.79%.

Over the last four quarters, the company has surpassed consensus EPS estimates two times.

Capital One, which belongs to the Zacks Financial - Consumer Loans industry, posted revenues of $16.34 billion for the quarter ended September 2026, surpassing the Zacks Consensus Estimate by 1.47%. This compares to year-ago revenues of $15.36 billion. The company has topped consensus revenue estimates three times over the last four quarters.

The sustainability of the stock's immediate price movement based on the recently-released numbers and future earnings expectations will mostly depend on management's commentary on the earnings call.

Capital One shares have lost about 17.6% since the beginning of the year versus the S&P 500's gain of 12.4%.

What's Next for Capital One?While Capital One has underperformed the market so far this year, the question that comes to investors' minds is: what's next for the stock?

There are no easy answers to this key question, but one reliable measure that can help investors address this is the company's earnings outlook. Not only does this include current consensus earnings expectations for the coming quarter(s), but also how these expectations have changed lately.

Empirical research shows a strong correlation between near-term stock movements and trends in earnings estimate revisions. Investors can track such revisions by themselves or rely on a tried-and-tested rating tool like the Zacks Rank, which has an impressive track record of harnessing the power of earnings estimate revisions.

Ahead of this earnings release, the estimate revisions trend for Capital One was mixed. While the magnitude and direction of estimate revisions could change following the company's just-released earnings report, the current status translates into a Zacks Rank #3 (Hold) for the stock. So, the shares are expected to perform in line with the market in the near future. You can see the complete list of today's Zacks #1 Rank (Strong Buy) stocks here.

It will be interesting to see how estimates for the coming quarters and the current fiscal year change in the days ahead. The current consensus EPS estimate is $4.88 on $16.47 billion in revenues for the coming quarter and $20.36 on $63.67 billion in revenues for the current fiscal year.

Investors should be mindful of the fact that the outlook for the industry can have a material impact on the performance of the stock as well. In terms of the Zacks Industry Rank, Financial - Consumer Loans is currently in the bottom 27% of the 250 plus Zacks industries. Our research shows that the top 50% of the Zacks-ranked industries outperform the bottom 50% by a factor of more than 2 to 1.

Enova International (ENVA - Free Report) , another stock in the same industry, has yet to report results for the quarter ended September 2026. The results are expected to be released on October 22.

This online financial services company is expected to post quarterly earnings of $4.46 per share in its upcoming report, which represents a year-over-year change of +32.7%. The consensus EPS estimate for the quarter has remained unchanged over the last 30 days.

Enova International's revenues are expected to be $1 billion, up 24.7% from the year-ago quarter.

Should You Invest in Capital One Financial Corporation (COF)?

Before you invest in Capital One Financial Corporation (COF), want to know the best stocks to buy for the next 30 days? Check out Zacks Investment Research for our free report on the 7 best stocks to buy.

Zacks Investment Research has been committed to providing investors with tools and independent research since 1978. For more than a quarter century, the Zacks Rank stock-rating system has more than doubled the S&P 500 with an average gain of +24.08% per year. (These returns cover a period from January 1, 1988 through May 6, 2024.)

Capital One Financial Corporation (NYSE: COF) insider Lia Dean sold 1,887 shares of the business's stock in a transaction dated Thursday, October 15th. The stock was sold at an average price of $195.86, for a total transaction of $369,587.82. Following the transaction, the insider owned 59,308 shares in the company, valued at approximately $11,616,064.88. This trade

CHICAGO--(BUSINESS WIRE)--Today, Capital One and the Capital One Foundation, in partnership with Lever for Change, announced 10 finalists for Scaling Pathways to Homeownership.

Analysts on Wall Street project that Capital One (COF - Free Report) will announce quarterly earnings of $5.45 per share in its forthcoming report, representing a decline of 8.4% year over year. Revenues are projected to reach $16.11 billion, increasing 4.9% from the same quarter last year.

The current level reflects an upward revision of 0.2% in the consensus EPS estimate for the quarter over the past 30 days. This demonstrates how the analysts covering the stock have collectively reappraised their initial projections over this period.

Before a company reveals its earnings, it is vital to take into account any changes in earnings projections. These revisions play a pivotal role in predicting the possible reactions of investors toward the stock. Multiple empirical studies have consistently shown a strong association between trends in earnings estimates and the short-term price movements of a stock.

While investors typically use consensus earnings and revenue estimates as indicators of quarterly business performance, exploring analysts' projections for specific key metrics can offer valuable insights.

In light of this perspective, let's dive into the average estimates of certain Capital One metrics that are commonly tracked and forecasted by Wall Street analysts.

According to the collective judgment of analysts, 'Total net revenue- Commercial Banking' should come in at $851.02 million. The estimate points to a change of -5.9% from the year-ago quarter.

Analysts forecast 'Total net revenue- Credit Card- Domestic' to reach $11.25 billion. The estimate indicates a year-over-year change of +3%.

The consensus estimate for 'Total net revenue- Credit Card' stands at $11.90 billion. The estimate points to a change of +2.5% from the year-ago quarter.

Based on the collective assessment of analysts, 'Total net revenue- Consumer Banking' should arrive at $3.13 billion. The estimate suggests a change of +10.5% year over year.

It is projected by analysts that the 'Efficiency Ratio' will reach 56.4%. The estimate is in contrast to the year-ago figure of 53.8%.

Analysts predict that the 'Average Balance - Total interest-earning assets' will reach $612.48 billion. Compared to the current estimate, the company reported $593.25 billion in the same quarter of the previous year.

Analysts' assessment points toward 'Net charge-off rate' reaching 2.9%. The estimate compares to the year-ago value of 3.2%.

The consensus among analysts is that 'Net Interest Margin' will reach 8.3%. The estimate compares to the year-ago value of 8.4%.

Analysts expect 'Net charge-off rate - Credit Card - International card businesses' to come in at 5.0%. Compared to the current estimate, the company reported 5.1% in the same quarter of the previous year.

The average prediction of analysts places 'Net charge-off rate - Credit Card' at 4.1%. Compared to the current estimate, the company reported 4.6% in the same quarter of the previous year.

The combined assessment of analysts suggests that 'Net charge-off rate - Credit Card - Domestic credit card' will likely reach 4.1%. The estimate compares to the year-ago value of 4.6%.

The collective assessment of analysts points to an estimated 'Net Interest Income' of $12.71 billion. The estimate is in contrast to the year-ago figure of $12.40 billion.

View all Key Company Metrics for Capital One here>>>

Shares of Capital One have experienced a change of -4.4% in the past month compared to the +1.4% move of the Zacks S&P 500 composite. With a Zacks Rank #3 (Hold), COF is expected to mirror the overall market performance in the near future. You can see the complete list of today's Zacks Rank #1 (Strong Buy) stocks here >>>> .

NorthCrest Asset Manangement LLC grew its holdings in shares of Capital One Financial Corporation (NYSE:COF – Free Report) by 21.4% during the 3rd quarter, according to its most recent filing with the Securities and Exchange Commission. The institutional investor owned 89,494 shares of the financial services provider’s stock after buying an additional 15,757 shares during the quarter. NorthCrest Asset Manangement LLC’s holdings in Capital One Financial were worth $16,229,000 at the end of the most recent reporting period.

Other hedge funds have also recently made changes to their positions in the company. Perpetual Ltd increased its stake in Capital One Financial by 144.1% during the third quarter. Perpetual Ltd now owns 13,670 shares of the financial services provider’s stock worth $2,639,000 after acquiring an additional 8,070 shares during the last quarter. Scott Capital Advisors LLC purchased a new stake in Capital One Financial during the third quarter valued at approximately $226,000. Armstrong Advisory Group Inc. raised its position in Capital One Financial by 235.3% during the third quarter. Armstrong Advisory Group Inc. now owns 11,253 shares of the financial services provider’s stock valued at $2,173,000 after purchasing an additional 7,897 shares during the period. Marquette Asset Management LLC lifted its stake in shares of Capital One Financial by 584.2% in the 3rd quarter. Marquette Asset Management LLC now owns 691 shares of the financial services provider’s stock valued at $133,000 after purchasing an additional 590 shares during the last quarter. Finally, Gilpin Wealth Management LLC bought a new stake in shares of Capital One Financial in the 3rd quarter valued at approximately $27,000. 89.84% of the stock is currently owned by hedge funds and other institutional investors.

Analyst Upgrades and Downgrades COF has been the subject of a number of recent research reports. BTIG Research lifted their target price on Capital One Financial from $224.00 to $259.00 and gave the stock a “buy” rating in a report on Tuesday, June 30th. Deutsche Bank Aktiengesellschaft set a $245.00 price target on Capital One Financial in a report on Thursday, August 20th. BMO Capital Markets started coverage on Capital One Financial in a research report on Friday. They issued a “market perform” rating and a $219.00 price target for the company. Wolfe Research lifted their price objective on shares of Capital One Financial from $255.00 to $275.00 and gave the stock an “outperform” rating in a research note on Tuesday, August 25th. Finally, UBS Group lifted their price objective on shares of Capital One Financial from $275.00 to $280.00 and gave the stock a “buy” rating in a research note on Monday, August 3rd. Twenty investment analysts have rated the stock with a Buy rating and five have assigned a Hold rating to the stock. According to data from MarketBeat.com, the stock presently has an average rating of “Moderate Buy” and an average price target of $255.04.

Check Out Our Latest Stock Report on COF Capital One Financial Stock Performance Shares of NYSE:COF opened at $200.93 on Tuesday. The firm has a market cap of $123.27 billion, a PE ratio of 12.43, a price-to-earnings-growth ratio of 0.73 and a beta of 1.04. The firm’s 50 day simple moving average is $209.83 and its 200-day simple moving average is $199.88. Capital One Financial Corporation has a one year low of $174.24 and a one year high of $259.64. The company has a debt-to-equity ratio of 0.39, a quick ratio of 1.02 and a current ratio of 1.02.

Capital One Financial (NYSE:COF – Get Free Report) last posted its quarterly earnings results on Tuesday, July 21st. The financial services provider reported $5.81 earnings per share (EPS) for the quarter, topping analysts’ consensus estimates of $4.79 by $1.02. The business had revenue of $15.83 billion for the quarter, compared to the consensus estimate of $15.76 billion. Capital One Financial had a return on equity of 11.28% and a net margin of 13.37%. The business’s revenue was up 26.9% compared to the same quarter last year. During the same quarter in the prior year, the company earned $5.48 EPS. As a group, equities analysts predict that Capital One Financial Corporation will post 20.33 EPS for the current year.

Capital One Financial Announces Dividend The firm also recently disclosed a quarterly dividend, which was paid on Tuesday, September 1st. Investors of record on Monday, August 17th were paid a $0.80 dividend. The ex-dividend date of this dividend was Monday, August 17th. This represents a $3.20 dividend on an annualized basis and a yield of 1.6%. Capital One Financial’s dividend payout ratio is 19.80%.

Insider Activity at Capital One Financial In other Capital One Financial news, insider Michael Zamsky sold 5,473 shares of the firm’s stock in a transaction dated Monday, August 10th. The shares were sold at an average price of $218.02, for a total transaction of $1,193,223.46. Following the transaction, the insider owned 27,992 shares of the company’s stock, valued at approximately $6,102,815.84. This trade represents a 16.35% decrease in their position. The transaction was disclosed in a document filed with the SEC, which is available at this hyperlink. Also, CAO Timothy Golden sold 3,487 shares of the business’s stock in a transaction dated Wednesday, July 29th. The shares were sold at an average price of $211.00, for a total transaction of $735,757.00. Following the completion of the sale, the chief accounting officer owned 7,429 shares of the company’s stock, valued at approximately $1,567,519. This represents a 31.94% decrease in their position. Additional details regarding this sale are available in the official SEC disclosure. Insiders sold 33,850 shares of company stock worth $7,167,152 over the last quarter. Corporate insiders own 0.78% of the company’s stock.

Capital One Financial Company Profile (Free Report)

Capital One Financial Corp. is a diversified financial services company headquartered in McLean, Virginia. Founded in 1994, the company provides credit cards, consumer banking products, auto financing and commercial banking services through its Capital One brand.

Capital One offers credit cards for consumers and businesses, checking and savings accounts, certificates of deposit, personal loans and auto loans. Its commercial banking operations serve businesses, institutions and commercial real estate clients with lending, deposit, treasury management and other financial services.

Capital One primarily serves customers in the United States, with additional operations in Canada and the United Kingdom.

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Diversified Management Inc. acquired a new position in shares of Capital One Financial Corporation (NYSE:COF – Free Report) during the third quarter, according to the company in its most recent Form 13F filing with the Securities and Exchange Commission. The institutional investor acquired 14,480 shares of the financial services provider’s stock, valued at approximately $2,796,000.

Several other large investors have also added to or reduced their stakes in COF. Green Ridge Wealth Planning LLC grew its holdings in Capital One Financial by 166.4% during the 3rd quarter. Green Ridge Wealth Planning LLC now owns 4,763 shares of the financial services provider’s stock valued at $920,000 after buying an additional 2,975 shares in the last quarter. Farther Finance Advisors LLC increased its holdings in Capital One Financial by 118.9% during the 3rd quarter. Farther Finance Advisors LLC now owns 43,957 shares of the financial services provider’s stock worth $8,487,000 after acquiring an additional 23,873 shares during the period. CoreCap Advisors LLC increased its holdings in Capital One Financial by 30.7% during the 3rd quarter. CoreCap Advisors LLC now owns 1,670 shares of the financial services provider’s stock worth $322,000 after acquiring an additional 392 shares during the period. Apella Capital LLC lifted its stake in Capital One Financial by 326.8% in the 3rd quarter. Apella Capital LLC now owns 8,434 shares of the financial services provider’s stock worth $1,628,000 after purchasing an additional 6,458 shares in the last quarter. Finally, Everhart Financial Group Inc. lifted its stake in Capital One Financial by 90.0% in the 3rd quarter. Everhart Financial Group Inc. now owns 10,262 shares of the financial services provider’s stock worth $1,981,000 after purchasing an additional 4,860 shares in the last quarter. Institutional investors own 89.84% of the company’s stock.

Analyst Ratings Changes A number of research firms have recently commented on COF. Barclays reduced their price target on shares of Capital One Financial from $240.00 to $237.00 and set an “overweight” rating for the company in a research report on Monday. Wolfe Research increased their price objective on Capital One Financial from $255.00 to $275.00 and gave the stock an “outperform” rating in a research report on Tuesday, August 25th. Bank of America lowered their price target on Capital One Financial from $234.00 to $231.00 and set a “buy” rating on the stock in a report on Thursday, July 9th. Deutsche Bank Aktiengesellschaft set a $245.00 price target on Capital One Financial in a research report on Thursday, August 20th. Finally, Wall Street Zen lowered Capital One Financial from a “buy” rating to a “hold” rating in a report on Sunday, August 2nd. Twenty equities research analysts have rated the stock with a Buy rating and four have issued a Hold rating to the company. According to MarketBeat.com, the stock presently has an average rating of “Moderate Buy” and an average target price of $257.77.

View Our Latest Stock Analysis on COF Insider Activity at Capital One Financial In other Capital One Financial news, insider Michael Zamsky sold 5,473 shares of the stock in a transaction on Monday, August 10th. The shares were sold at an average price of $218.02, for a total transaction of $1,193,223.46. Following the completion of the sale, the insider owned 27,992 shares of the company’s stock, valued at $6,102,815.84. This represents a 16.35% decrease in their position. The sale was disclosed in a filing with the SEC, which is available at the SEC website. Also, General Counsel Matthew W. Cooper sold 3,500 shares of the company’s stock in a transaction dated Tuesday, October 6th. The shares were sold at an average price of $196.22, for a total transaction of $686,770.00. Following the transaction, the general counsel directly owned 79,694 shares of the company’s stock, valued at approximately $15,637,556.68. This trade represents a 4.21% decrease in their ownership of the stock. Additional details regarding this sale are available in the official SEC disclosure. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. Insiders sold a total of 33,850 shares of company stock worth $7,167,152 over the last three months. Corporate insiders own 0.78% of the company’s stock.

Capital One Financial Trading Up 1.7% Shares of COF opened at $199.32 on Friday. The firm has a market cap of $122.28 billion, a price-to-earnings ratio of 12.33, a PEG ratio of 0.72 and a beta of 1.04. The company has a debt-to-equity ratio of 0.39, a quick ratio of 1.02 and a current ratio of 1.02. Capital One Financial Corporation has a fifty-two week low of $174.24 and a fifty-two week high of $259.64. The firm has a 50 day moving average price of $210.37 and a 200-day moving average price of $199.66.

Capital One Financial (NYSE:COF – Get Free Report) last released its earnings results on Tuesday, July 21st. The financial services provider reported $5.81 EPS for the quarter, beating the consensus estimate of $4.79 by $1.02. The company had revenue of $15.83 billion for the quarter, compared to analyst estimates of $15.76 billion. Capital One Financial had a net margin of 13.37% and a return on equity of 11.28%. The firm’s quarterly revenue was up 26.9% compared to the same quarter last year. During the same quarter last year, the firm earned $5.48 EPS. As a group, equities research analysts forecast that Capital One Financial Corporation will post 20.33 earnings per share for the current year.

Capital One Financial Dividend Announcement The business also recently announced a quarterly dividend, which was paid on Tuesday, September 1st. Investors of record on Monday, August 17th were issued a dividend of $0.80 per share. The ex-dividend date was Monday, August 17th. This represents a $3.20 annualized dividend and a yield of 1.6%. Capital One Financial’s dividend payout ratio is currently 19.80%.

(Free Report)

Capital One Financial Corp. is a diversified financial services company headquartered in McLean, Virginia. Founded in 1994, the company provides credit cards, consumer banking products, auto financing and commercial banking services through its Capital One brand.

Capital One offers credit cards for consumers and businesses, checking and savings accounts, certificates of deposit, personal loans and auto loans. Its commercial banking operations serve businesses, institutions and commercial real estate clients with lending, deposit, treasury management and other financial services.

Capital One primarily serves customers in the United States, with additional operations in Canada and the United Kingdom.

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Capital One transforms post-Discover merger, gaining a major card business, deposit base, and ownership of a large international payment network. COF trades at attractive 2026/2027 EPS multiples (9.7x/8.2x), with $1.5B expense and $1.2B network synergy targets supporting a Buy rating. Improving credit quality, robust deposit growth, and a 13.7% CET1 ratio position COF favorably for integration and earnings leverage.

Before artificial intelligence can take Wall Street jobs, it is first creating them.

Posts for AI-related roles at banks including JPMorgan Chase, Citigroup and Capital One surged 49% this year compared with 2025 to 139,819 listings, according to an analysis by enterprise hiring data firm Draup that was provided exclusively to CNBC.

The fastest-growing area is a cluster of skills involving AI agents, according to Draup, which culls data from public job posts and platforms including LinkedIn. For instance, references to agent orchestration, or the ability to design agents that work in concert on a task, jumped 1,721% this year.

"This is arguably the hottest skill on Wall Street," Draup CEO Vijay Swaminathan said in an interview. "It's a massive opportunity; they need people who understand data and people who understand AI and where to put it."

The job listings show that Wall Street banks are moving beyond chatbots to the next phase of their AI strategy, one that has implications for executives, employees and shareholders. To make good on AI's promise to boost productivity and automate repetitive tasks, banks are pressing forward into a future filled with armies of agents handling an increasing share of labor.

While an earlier wave of AI hiring was dominated by engineers and data scientists building models or adapting them to corporate data, the boom has expanded to include people who are responsible for embedding AI directly into business lines.

Deploying AI inside a financial institution often requires stringing together multiple specialized agents: one to inspect raw data, another to analyze a document and a third to check regulatory compliance, for example.

The workers involved in this process, often called forward-deployed engineers, need a combination of technical abilities and domain knowledge of a specific business or function, from trading desks to back-office operations and human resources, according to Swaminathan.

"There is a lot of complexity in an enterprise," Swaminathan said. "Sometimes these complexities are visible, but many times they are hidden. It takes a long time even to automate a simple process."

For instance, creating a team of agents to automate approval of a company's vacation requests creates a web of edge cases and specific exemptions, he said.

The agent orchestration skill is especially relevant to forward-deployed engineers, because their job is to figure out which agents are needed, what each one does and which technology to use, said the Draup CEO. It also involves deciding when human overseers need to be involved, he said.

Agent tech stack Other in-demand skills related to the AI buildout involve understanding tools and techniques that give agents the ability to get things done.

References to LangGraph, a framework for building multi-step workflows, jumped 679%, while LlamaIndex, which helps connect AI applications to data, rose 291%. References to retrieval-augmented generation, or RAG, a technique for feeding AI models information from company databases, climbed 259%.

Beyond technical abilities, though, there is a growing emphasis on so-called soft skills.

"Our analysis shows that there is a renewed focus on soft skills like problem solving, creativity, ability to ask tough questions, being assertive [when it comes to] deeper understanding of the processes," he said.

Other growth areas within AI include those responsible for creating guardrails around the emerging systems.

References in job posts to "responsible AI" surged 657% this year, according to Draup, while those mentioning AI governance and risk management jumped 394% and 359%, respectively. Security teams are also focused on preventing third-party tools or external model connections from creating systemic vulnerabilities.

Governance-related skills now account for more than 16,000 references in the Draup data, nearly twice the roughly 8,400 tied to training, deploying and running models.

"There is a lot of focus on making sure that the third parties that we are using in these products are not going rogue from a cybersecurity standpoint," he said.

Roles tied to generative AI and agents typically pay more than tech roles elsewhere in finance, with generative AI managers paid a median base salary of about $190,000, according to Draup.

Despite the higher pay, filling these specialized roles remains a challenge, said Swaminathan.

To bridge the gap, major banks are leaning heavily into internal reskilling programs to train existing developers and domain experts, he said. The buildout will itself create ripple waves: JPMorgan CEO Jamie Dimon has spoken of "huge redeployment plans" as AI takes over more work.

"I think the more we prioritize those soft skills with the right amount of technical skills, people will adapt and learn," Swaminathan said. "It's a very exciting time for the right talent."

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MCLEAN, Va.--(BUSINESS WIRE)--Physical mobility has long been associated with economic opportunity. New national survey data from Capital One Auto released today offers fresh insights into consumer perceptions of that connection—including a self-reported average of ~$21,000 in additional annual earning potential among adults lacking consistent vehicle access, alongside a 70% consumer demand for more guidance to help navigate today's auto market. Designed to examine how physical mobility directl.

Capital One quietly shifted certain cardholders onto a network that gets declined at hotel desks and taxi stands across Europe and Asia, and the reason comes down to a financial calculation most customers never see coming.

This post may contain links from our sponsors and affiliates, and Flywheel Publishing may receive compensation for actions taken through them.

On his September 23, 2026 podcast, consumer advocate Clark Howard warned that Capital One has migrated price-sensitive customers’ cards to the Discover Network, which means occasionally you won’t be able to use it, especially overseas. He noted Capital One is not doing this for Capital One cards they assume people will take overseas.

The stakes are practical. A Discover-branded card can be declined at a Paris taxi stand or Tokyo hotel while a Visa or Mastercard sails through. The reason is how card issuers sort customers by profit.

Verdict: The Warning Is Real, and the Math Explains Why Howard’s warning holds up against Capital One (NYSE:COF | COF Price Prediction)’s own data. On the July 21, 2026 earnings call, CEO Richard Fairbank said the company was 14 months into our planned 24-month integration of Discover. Global Payment Network volume hit $189.6 billion in the quarter, up 156% year over year. That growth requires shoveling accounts onto Discover rails.

To see why the cheapest customers get shoveled first, you need to understand how card issuers actually make money. There are two customer types:

Transactors pay their balance in full each month. The issuer earns roughly 1.5% to 2.5% in interchange every time they swipe, plus any annual fee. These are the customers airlines, hotels, and lounge-access cards fight for. Revolvers carry a balance and pay interest, often at 22% to 29% APR. The issuer earns interchange plus interest, but also absorbs charge-offs. A price-sensitive customer with a no-fee card who rarely travels is worth far less than a heavy-spending transactor on a premium travel card. Capital One is spending heavily to keep the second group happy. Total marketing expense hit about $1.7 billion, up 23% year over year, aimed at heavy-spender growth and premium benefits.

Every time a customer swipes, the merchant’s bank pays an interchange fee routed through the network. If Capital One issues on Discover, which Capital One now owns along with PULSE Network and Diners Club International, that fee slice stays in-house. Migrate a customer who spends $12,000 a year at roughly 2% interchange, and Capital One captures extra revenue on every transaction. Do that across millions of accounts and you get a 156% jump in network volume.

The cost lands on cardholders abroad. Discover’s international acceptance is thinner than Visa’s or Mastercard’s. Fairbank said on the call that international acceptance is a long quest and Capital One is starting with Mexico, the Caribbean, Canada, and the United Kingdom. Anywhere else, a Discover-branded reissue can fail at the terminal.

One Variable Decides Whether You Care The single factor that determines whether this migration hurts you is how often you travel outside the United States and Canada. Domestically, Discover’s network has really wide acceptance because Capital One now stands behind it.

If you use the card only for groceries, gas, and Amazon, a Discover-branded reissue changes nothing. If you take one international trip a year and rely on that card for hotels and rental cars, a single decline can force you into cash advances at 25%+ APR or leave you stranded until a backup card arrives.

Capital One’s stock reflects investor patience with this trade. Shares are down about 18% year to date and trading near $195, with a market cap around $120 billion. Network volume gains are real, but the market is pricing integration risk.

What to Do Before Your Next Trip Check your Capital One card for the network logo. If it says Discover and you travel internationally, request a Visa or Mastercard product from Capital One or plan around it. Carry a second card from a different issuer on international trips. A Visa or Mastercard from another bank is the cleanest backup. Before a trip, check your card issuer’s foreign transaction fee. Many Capital One products charge 0%; some competitors charge 3%. If a reissued card arrives unexpectedly, check the account terms for changes to APR, credit limit, or rewards. When a card issuer moves you between brands, it is optimizing its own economics, and the friction lands on you at the terminal.

Contact [email protected] for any questions or corrections.

Jason Brown (@brownreport) turns to stocks that are the faces of the restaurant, financial, and consumer staples industries. He expresses concerns in McDonald's (MCD) core fundamentals following the company's investor day and subsequent selloff, expects CapitalOne (COF) to see pressure from consumers pulling back on borrowing, and Procter & Gamble (PG) as an investing fortress amid all the uncertainty.

Two factors often determine stock prices in the long run: earnings and interest rates. Investors can't control the latter, but they can focus on a company's earnings results every quarter.

The earnings figure itself is key, of course, but a beat or miss on the bottom line can sometimes be just as, if not more, important. Therefore, investors should consider paying close attention to these earnings surprises, as a big beat can help a stock climb and vice versa.

Now that we know how important earnings and earnings surprises are, it's time to show investors how to take advantage of these events to boost their returns by utilizing the Zacks Earnings ESP filter.

The Zacks Earnings ESP, ExplainedThe Zacks Expected Surprise Prediction, or ESP, works by locking in on the most up-to-date analyst earnings revisions because they can be more accurate than estimates from weeks or even months before the actual release date. The thinking is pretty straightforward: analysts who provide earnings estimates closer to the report are likely to have more information.

With this in mind, the Expected Surprise Prediction compares the Most Accurate Estimate (being the most recent) against the overall Zacks Consensus Estimate. The percentage difference provides the ESP figure. The system also utilizes our core Zacks Rank to provide a stronger system for identifying stocks that might beat their next quarterly earnings estimate and possibly see the stock price climb.

When we join a positive earnings ESP with a Zacks Rank #3 (Hold) or stronger, stocks posted a positive bottom-line surprise 70% of the time. Plus, this system saw investors produce roughly 28% annual returns on average, according to our 10 year backtest.

Most stocks, about 60%, fall into the #3 (Hold) category, and they are expected to perform in-line with the broader market. Stocks with a #2 (Buy) and #1 (Strong Buy) rating, or the top 15% and top 5% of stocks, respectively, should outperform the market, with Strong Buy stocks outperforming more than any other rank.

Should You Consider Capital One?Now that we understand what the ESP is and how beneficial it can be, let's dive into a stock that currently fits the bill. Capital One (COF - Free Report) earns a #3 (Hold) right now and its Most Accurate Estimate sits at $5.50 a share, just 28 days from its upcoming earnings release on October 20, 2026.

By taking the percentage difference between the $5.50 Most Accurate Estimate and the $5.4 Zacks Consensus Estimate, Capital One has an Earnings ESP of +1.88%. Investors should also know that COF is one of a large group of stocks with positive ESPs. Make sure to utilize our Earnings ESP Filter to uncover the best stocks to buy or sell before they've reported.

COF is just one of a large group of Finance stocks with a positive ESP figure. Toronto-Dominion Bank (TD - Free Report) is another qualifying stock you may want to consider.

Toronto-Dominion Bank is a Zacks Rank #2 (Buy) stock, and is getting ready to report earnings on December 3, 2026. TD's Most Accurate Estimate sits at $1.85 a share 72 days from its next earnings release.

The Zacks Consensus Estimate for Toronto-Dominion Bank is $1.83, and when you take the percentage difference between that number and its Most Accurate Estimate, you get the Earnings ESP figure of +1.28%.

COF and TD's positive ESP metrics may signal that a positive earnings surprise for both stocks is on the horizon.

Find Stocks to Buy or Sell Before They're ReportedUse the Zacks Earnings ESP Filter to turn up stocks with the highest probability of positively, or negatively, surprising to buy or sell before they're reported for profitable earnings season trading. Check it out here >>

Capital One Financial Corporation (COF) Barclays 24th Annual Global Financial Services Conference September 16, 2026 12:00 PM EDT

Company Participants

Richard Fairbank - Founder, Chairman, CEO & President
Jeff Norris - Senior Vice President of Finance

Conference Call Participants

Terry Ma - Barclays Bank PLC, Research Division

Presentation

Terry Ma
Barclays Bank PLC, Research Division

Okay. We're going to get started. Thank you, everyone, for joining. Very pleased to have Capital One here with me again this year. With me on stage, we have Richard Fairbank, CEO; and Jeff Norris, SVP of Finance. So welcome, gentlemen.

Richard Fairbank
Founder, Chairman, CEO & President

Thanks, Terry.

Jeff Norris
Senior Vice President of Finance

Thank you.

Question-and-Answer Session

Terry Ma
Barclays Bank PLC, Research Division

All right. So let's jump right into it. Maybe let's begin with the state of the consumer. There's been lots of headlines this year around inflation, energy prices and the health of lower income households. As you look across your customer base today, how would you characterize consumer health across income cohorts and credit segments?

Richard Fairbank
Founder, Chairman, CEO & President

So if we read the news every day, it's pretty alarming, the things we see out there. And I think it's natural for people to be pretty concerned about where the consumer is. But if we actually look at the numbers, some of the macroeconomic numbers and our own portfolio, we see really quite a striking strength. So let's just talk about the macro numbers for a second. Unemployment is low. The new job creation just rebounded very recently. Consumer spending is pretty strong. Bank balances, when we look at bank balances, they are up a little bit over last year on average per person. So the consumer -- I mean, there's a lot of indications that despite all the noise out there and despite the inflation and tariffs and wars that are going

Bank of America Corp DE purchased a new stake in shares of Capital One Financial Corporation (NYSE:COF – Free Report) during the 2nd quarter, according to its most recent Form 13F filing with the Securities & Exchange Commission. The fund purchased 7,154,376 shares of the financial services provider’s stock, valued at approximately $1,435,311,000. Bank of America Corp DE owned 1.17% of Capital One Financial at the end of the most recent quarter.

Several other hedge funds have also recently bought and sold shares of COF. Norges Bank acquired a new position in Capital One Financial in the 4th quarter valued at approximately $2,089,803,000. Legal & General Group Plc acquired a new stake in shares of Capital One Financial during the 2nd quarter valued at $680,983,000. Berkshire Hathaway Inc acquired a new stake in shares of Capital One Financial during the 2nd quarter valued at $601,860,000. Canada Pension Plan Investment Board purchased a new position in shares of Capital One Financial during the 2nd quarter valued at $482,718,000. Finally, Jupiter Topco LLC purchased a new position in shares of Capital One Financial during the 2nd quarter valued at $464,338,000. 89.84% of the stock is owned by hedge funds and other institutional investors.

Wall Street Analysts Forecast Growth Several analysts recently issued reports on the company. Piper Sandler assumed coverage on Capital One Financial in a report on Monday, June 29th. They set an “overweight” rating and a $254.00 price objective for the company. HSBC upgraded Capital One Financial from a “hold” rating to a “buy” rating and boosted their target price for the company from $226.00 to $229.00 in a research note on Sunday, July 12th. Citigroup dropped their target price on Capital One Financial from $310.00 to $295.00 and set a “buy” rating on the stock in a research report on Tuesday, July 28th. UBS Group lifted their price target on Capital One Financial from $275.00 to $280.00 and gave the company a “buy” rating in a report on Monday, August 3rd. Finally, TD Cowen lowered their price target on Capital One Financial from $260.00 to $253.00 and set a “buy” rating for the company in a research note on Tuesday, July 7th. Twenty-one equities research analysts have rated the stock with a Buy rating and three have assigned a Hold rating to the stock. According to MarketBeat, Capital One Financial presently has a consensus rating of “Moderate Buy” and a consensus target price of $258.91.

Read Our Latest Analysis on COF Capital One Financial Stock Performance COF opened at $206.83 on Tuesday. The company has a market cap of $126.88 billion, a PE ratio of 12.80, a price-to-earnings-growth ratio of 0.77 and a beta of 1.02. The company has a debt-to-equity ratio of 0.39, a quick ratio of 1.02 and a current ratio of 1.02. The stock has a 50-day moving average of $212.67 and a 200-day moving average of $198.35. Capital One Financial Corporation has a 52-week low of $174.24 and a 52-week high of $259.64.

Capital One Financial (NYSE:COF – Get Free Report) last released its quarterly earnings results on Tuesday, July 21st. The financial services provider reported $5.81 EPS for the quarter, beating analysts’ consensus estimates of $4.79 by $1.02. The company had revenue of $15.83 billion for the quarter, compared to analyst estimates of $15.76 billion. Capital One Financial had a net margin of 13.37% and a return on equity of 11.28%. The company’s quarterly revenue was up 26.9% compared to the same quarter last year. During the same quarter last year, the firm posted $5.48 earnings per share. As a group, equities research analysts forecast that Capital One Financial Corporation will post 20.29 earnings per share for the current fiscal year.

Capital One Financial Announces Dividend The business also recently declared a quarterly dividend, which was paid on Tuesday, September 1st. Shareholders of record on Monday, August 17th were given a $0.80 dividend. This represents a $3.20 dividend on an annualized basis and a yield of 1.5%. The ex-dividend date was Monday, August 17th. Capital One Financial’s dividend payout ratio is 19.80%.

Insider Buying and Selling In related news, insider Michael Zamsky sold 5,473 shares of the stock in a transaction that occurred on Monday, August 10th. The stock was sold at an average price of $218.02, for a total transaction of $1,193,223.46. Following the sale, the insider directly owned 27,992 shares in the company, valued at $6,102,815.84. This represents a 16.35% decrease in their position. The transaction was disclosed in a legal filing with the Securities & Exchange Commission, which is available at the SEC website. Also, General Counsel Matthew W. Cooper sold 3,500 shares of Capital One Financial stock in a transaction on Tuesday, September 1st. The shares were sold at an average price of $214.10, for a total value of $749,350.00. Following the completion of the transaction, the general counsel owned 83,194 shares of the company’s stock, valued at approximately $17,811,835.40. The trade was a 4.04% decrease in their position. The SEC filing for this sale provides additional information. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. Insiders have sold 29,767 shares of company stock worth $6,366,998 in the last three months. Company insiders own 0.78% of the company’s stock.

Capital One Financial Company Profile (Free Report)

Capital One Financial Corporation (NYSE: COF) is a diversified financial services company headquartered in McLean, Virginia. Founded in 1994, the company initially built its business as a credit card issuer and has since expanded into consumer banking, commercial banking and payments.

Capital One offers a range of credit card products for consumers and businesses, along with deposit accounts, savings products, auto loans and other consumer lending services. Through its commercial banking operations, the company provides financing, treasury management and related services to commercial real estate clients, middle-market companies and other businesses.

Capital One primarily serves customers in the United States, with additional operations and financial services activities in Canada and the United Kingdom.

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