We use cookies to understand how you use our site and to improve your experience.
This includes personalizing content and advertising.
By pressing "Accept All" or closing out of this banner, you consent to the use of all cookies and similar technologies and the sharing of information they collect with third parties.
You can reject marketing cookies by pressing "Deny Optional," but we still use essential, performance, and functional cookies.
In addition, whether you "Accept All," Deny Optional," click the X or otherwise continue to use the site, you accept our Privacy Policy and Terms of Service, revised from time to time.
You are being directed to ZacksTrade, a division of LBMZ Securities and licensed broker-dealer. ZacksTrade and Zacks.com are separate companies. The web link between the two companies is not a solicitation or offer to invest in a particular security or type of security. ZacksTrade does not endorse or adopt any particular investment strategy, any analyst opinion/rating/report or any approach to evaluating individual securities.
If you wish to go to ZacksTrade, click OK. If you do not, click Cancel.
Capital One (COF) Reports Q3 Earnings: What Key Metrics Have to Say
Read MoreHide Full Article
Capital One (COF - Free Report) reported $16.34 billion in revenue for the quarter ended September 2026, representing a year-over-year increase of 6.4%. EPS of $6.69 for the same period compares to $5.95 a year ago.
The reported revenue compares to the Zacks Consensus Estimate of $16.11 billion, representing a surprise of +1.47%. The company delivered an EPS surprise of +22.75%, with the consensus EPS estimate being $5.45.
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: $612.52 billion versus the three-analyst average estimate of $612.48 billion.
Net Charge-Off (Recovery) Rates - Total: 2.7% versus 2.9% estimated by three analysts on average.
Efficiency Ratio (GAAP): 54.2% versus 56.4% estimated by three analysts on average.
Net Interest Margin: 8.4% versus 8.3% estimated by three analysts on average.
Net Charge-Off (Recovery) Rates - Consumer banking: 1.6% versus 1.6% estimated by two analysts on average.
Net Charge-Off (Recovery) Rates - Credit Card - International card businesses: 5.7% compared to the 5% average estimate based on two analysts.
Net Charge-Off (Recovery) Rates - Credit Card - Domestic credit card: 4% versus the two-analyst average estimate of 4.1%.
Net Charge-Off (Recovery) Rates - Credit Card: 4% versus 4.1% estimated by two analysts on average.
Total net revenue- Commercial Banking: $901 million versus the two-analyst average estimate of $851.02 million. The reported number represents a year-over-year change of -0.3%.
Total net revenue- Domestic Card: $11.48 billion versus the two-analyst average estimate of $11.25 billion. The reported number represents a year-over-year change of +5.1%.
Total net revenue- Credit Card: $12.15 billion versus $11.9 billion estimated by two analysts on average. Compared to the year-ago quarter, this number represents a +4.7% change.
Total net revenue- Consumer Banking: $3.3 billion versus $3.13 billion estimated by two analysts on average. Compared to the year-ago quarter, this number represents a +16.5% change.
Shares of Capital One have returned -2.5% over the past month versus the Zacks S&P 500 composite's +0.7% 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
Image: Bigstock
Capital One (COF) Reports Q3 Earnings: What Key Metrics Have to Say
Capital One (COF - Free Report) reported $16.34 billion in revenue for the quarter ended September 2026, representing a year-over-year increase of 6.4%. EPS of $6.69 for the same period compares to $5.95 a year ago.
The reported revenue compares to the Zacks Consensus Estimate of $16.11 billion, representing a surprise of +1.47%. The company delivered an EPS surprise of +22.75%, with the consensus EPS estimate being $5.45.
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 -2.5% over the past month versus the Zacks S&P 500 composite's +0.7% 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.