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Here's What Key Metrics Tell Us About Capital One (COF) Q1 Earnings
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For the quarter ended March 2026, Capital One (COF - Free Report) reported revenue of $15.23 billion, up 52.3% over the same period last year. EPS came in at $4.42, compared to $4.06 in the year-ago quarter.
The reported revenue compares to the Zacks Consensus Estimate of $15.37 billion, representing a surprise of -0.91%. The company delivered an EPS surprise of -4.2%, with the consensus EPS estimate being $4.61.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
Here is how Capital One performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
Net Interest Margin: 7.9% versus the three-analyst average estimate of 8.2%.
Efficiency Ratio: 55.6% versus 53.6% estimated by three analysts on average.
Average Balance - Total interest-earning assets: $617.17 billion versus $602.02 billion estimated by three analysts on average.
Net charge-off rate - Commercial Banking: 0.3% versus the two-analyst average estimate of 0.4%.
Net charge-off rate - Consumer Banking: 1.7% versus the two-analyst average estimate of 1.6%.
Net charge-off rate - Credit Card - International card businesses: 4.7% compared to the 5.1% average estimate based on two analysts.
Net charge-off rate - Credit Card: 5.1% compared to the 5.1% average estimate based on two analysts.
Total net revenue- Commercial Banking: $909 million compared to the $841.89 million average estimate based on two analysts. The reported number represents a change of +2.8% year over year.
Total net revenue- Consumer Banking: $2.91 billion versus the two-analyst average estimate of $2.78 billion. The reported number represents a year-over-year change of +37%.
Total net revenue- Credit Card- Domestic: $10.73 billion versus the two-analyst average estimate of $11.05 billion. The reported number represents a year-over-year change of +57.7%.
Total net revenue- Other: $21 million versus $2.8 million estimated by two analysts on average. Compared to the year-ago quarter, this number represents a -112% change.
Total net revenue- Credit Card: $11.39 billion versus $11.73 billion estimated by two analysts on average. Compared to the year-ago quarter, this number represents a +59% change.
Shares of Capital One have returned +11.8% over the past month versus the Zacks S&P 500 composite's +9.3% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
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Here's What Key Metrics Tell Us About Capital One (COF) Q1 Earnings
For the quarter ended March 2026, Capital One (COF - Free Report) reported revenue of $15.23 billion, up 52.3% over the same period last year. EPS came in at $4.42, compared to $4.06 in the year-ago quarter.
The reported revenue compares to the Zacks Consensus Estimate of $15.37 billion, representing a surprise of -0.91%. The company delivered an EPS surprise of -4.2%, with the consensus EPS estimate being $4.61.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
Here is how Capital One performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:View all Key Company Metrics for Capital One here>>>
Shares of Capital One have returned +11.8% over the past month versus the Zacks S&P 500 composite's +9.3% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.