Last updated: July 21, 2026 · ← Back to Stock Fact Sheets
NYSE: COF
Capital One Financial Corporation
Consumer banking, credit cards & payments · McLean, VAQ1 2026 revenue
$15.2BQ1 adjusted EPS
$4.42 (missed)Q1 net interest margin
7.87%Q1 credit loss provision
$4.07BQ2 2026 EPS estimate
~$4.72–$5.08Q2 2026 revenue estimate
~$15.7B–$15.8BImplied post-earnings move
~5%Next earnings
Jul 21, 2026 (after close)Company snapshot
| Market cap | ~$127.6B |
| Total assets (Q1’26) | $682.9B |
| Total deposits (Q1’26) | $489.1B |
| Discover Financial acquisition | Closed May 2025 |
| Stock close (Jul 20, 2026) | $206.77 |
| 2026 YTD performance | -15% |
| Avg. post-earnings move (past 4Q) | 2.8% |
| Earnings beat rate (past 4Q) | 2 of 4 |
Business & segments
| Segments | Credit Card, Consumer Banking, Commercial Banking |
| Discover network | Global payments network, integration ongoing |
| Geography | US, Canada, UK |
| Q2’26 non-interest income est. | $3.21B (+28.4% YoY) |
| Key watch item | Credit provisions / expenses |
| Related article | Q2 earnings preview → |
Analyst price targets (pre-Q2 earnings)
JPMorgan
$245
Overweight, from $215
TD Cowen
$253
Buy, cut from $260
BofA Securities
$231
Buy, cut from $234
HSBC
$229
Upgraded to Buy from Hold
↗ Bull case
- First full year-over-year quarter with Discover fully consolidated, driving ~26% revenue growth
- JPMorgan raised its target to $245 from $215; HSBC upgraded to Buy from Hold
- Non-interest income expected up 28.4% YoY, showing fee/network diversification benefits from Discover
- One of the largest consumer banks in the country by assets ($682.9B) and deposits ($489.1B)
- Trades well off its highs after a 15% YTD decline, potentially pricing in most near-term credit worries
↘ Bear case
- Q1 2026 missed on EPS, revenue, NII, and pre-tax pre-provision earnings, with NIM slipping to 7.87%
- Provision for credit losses rose to $4.07B in Q1, above consensus, flagging credit-quality concerns
- Mixed earnings-surprise history — beat only 2 of the last 4 quarters
- Two analysts (BofA, TD Cowen) trimmed targets in early July even while keeping Buy ratings
- Options market pricing in a 5% move, well above the stock’s own 2.8% average — a sign of elevated uncertainty
- Rising operating expenses over several consecutive quarters
For informational purposes only. Not investment advice. Financials from Q1 2026 earnings (April 21, 2026); Q2 2026 results due after market close July 21, 2026. Price data not shown — check live quote for current price.
Capital One Financial (COF) — Company Overview
Capital One Financial Corporation (NYSE: COF) is a technology-driven financial services company headquartered in McLean, Virginia, operating across credit cards, consumer banking, and commercial banking in the U.S., Canada, and the U.K. In May 2025, Capital One completed its acquisition of Discover Financial Services, adding Discover’s global payments network to its business and making Capital One one of the largest card issuers and payments companies in the country. As of Q1 2026, the combined company held $682.9 billion in total assets and $489.1 billion in deposits.
Q2 2026 Earnings: What to Watch
Capital One reports Q2 2026 results after market close on July 21, 2026. For a full breakdown of analyst expectations, the Q1 miss that preceded it, and the key metrics to watch, see our Capital One Q2 2026 earnings preview.
Related Coverage on FactSheets.com
- Capital One (COF) Earnings Preview: What to Watch When It Reports Q2 2026 Tonight
- Bank Earnings Blowout: JPMorgan, Wells Fargo, Goldman Sachs and Bank of America All Crush Q2 Estimates
- JPM — JPMorgan Chase Stock Fact Sheet
- GS — Goldman Sachs Stock Fact Sheet
- ← Back to the Stock Fact Sheets hub
Sources: Q1 2026 results, analyst estimates, and price targets via GuruFocus, Zacks/TradingView, Benzinga, TipRanks, and Barchart. Capital One’s earnings release and webcast are available on its investor relations site.
This fact sheet is for informational purposes only and does not constitute investment advice. Data as of July 21, 2026.
