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Capital One (COF) Q2 Earnings: How Key Metrics Compare to Wall Street Estimates
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For the quarter ended June 2026, Capital One (COF - Free Report) reported revenue of $15.85 billion, up 26.9% over the same period last year. EPS came in at $5.81, compared to $5.48 in the year-ago quarter.
The reported revenue compares to the Zacks Consensus Estimate of $15.7 billion, representing a surprise of +0.96%. The company delivered an EPS surprise of +19.79%, with the consensus EPS estimate being $4.85.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
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:
Average Balance - Total interest-earning assets: $617.58 billion versus $614.5 billion estimated by four analysts on average.
Net Interest Margin: 8% compared to the 8.1% average estimate based on four analysts.
Efficiency Ratio: 57.1% versus the three-analyst average estimate of 53.4%.
Net charge-off rate: 3.2% compared to the 3.3% average estimate based on three analysts.
Net charge-off rate - Consumer Banking: 1.5% versus 1.6% estimated by two analysts on average.
Net charge-off rate - Commercial Banking: 0.5% versus the two-analyst average estimate of 0.5%.
Net charge-off rate - Credit Card - International card businesses: 5.8% versus the two-analyst average estimate of 5%.
Total net revenue- Commercial Banking: $850 million versus the two-analyst average estimate of $873.05 million. The reported number represents a year-over-year change of -9.3%.
Total net revenue- Consumer Banking: $3.21 billion versus $2.86 billion estimated by two analysts on average. Compared to the year-ago quarter, this number represents a +25.6% change.
Total net revenue- Credit Card- Domestic: $11.1 billion versus $11.1 billion estimated by two analysts on average. Compared to the year-ago quarter, this number represents a +29.5% change.
Total net revenue- Other: $26 million compared to the $127.41 million average estimate based on two analysts. The reported number represents a change of -127.1% year over year.
Total net revenue- Credit Card: $11.77 billion versus $11.78 billion estimated by two analysts on average. Compared to the year-ago quarter, this number represents a +29.4% change.
Shares of Capital One have returned +3% over the past month versus the Zacks S&P 500 composite's -0.6% 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.
View the Zacks #1 Rank List
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Capital One (COF) Q2 Earnings: How Key Metrics Compare to Wall Street Estimates
For the quarter ended June 2026, Capital One (COF - Free Report) reported revenue of $15.85 billion, up 26.9% over the same period last year. EPS came in at $5.81, compared to $5.48 in the year-ago quarter.
The reported revenue compares to the Zacks Consensus Estimate of $15.7 billion, representing a surprise of +0.96%. The company delivered an EPS surprise of +19.79%, with the consensus EPS estimate being $4.85.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
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 +3% over the past month versus the Zacks S&P 500 composite's -0.6% 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.