Capital One (COF) 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.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.Radical New Technology Could Hand Investors Huge Gains
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