Capital One Financial Corporation operates as the financial services holding company for the Capital One, National Association, which engages in the provision of various financial products and services in the United States, Canada, and the United Kingdom. It operates through three segments: Credit Card, Consumer Banking, and Commercial Banking. The company accepts checking accounts, money market deposits, negotiable order of withdrawals, savings deposits, and time deposits. Its loan products include credit card loans; auto and retail banking loans; and commercial and multifamily real estate, and commercial and industrial loans. The company also offers credit and debit card products; online direct banking services; and provides advisory, capital markets, treasury management, and depository services. It serves consumers, small businesses, and commercial clients through digital channels, branches, cafés, and other distribution channels located in New York, Louisiana, Texas, Maryland, Virginia, New Jersey, and California. The company was founded in 1988 and is headquartered in McLean, Virginia.

Capital One Financial Corporation демонстрирует смешанную картину по фундаментальным метрикам. С одной стороны, компания имеет высокий уровень P/E (97.47), значительно превышающий медиану отрасли, что может указывать на переоцененность. Однако, такие показатели, как выручка и чистая прибыль, значительно выше медианных значений, что говорит о сильных финансовых результатах. Показатели ROE, ROA и ROI находятся значительно ниже среднеотраслевых, что вызывает опасения относительно эффективности использования капитала. Тем не менее, компания демонстрирует устойчивый рост выручки и чистой прибыли по годам. Долговая нагрузка находится в пределах нормы, но не вызывает особого оптимизма. Дивидендная доходность также имеет положительную динамику, что может привлечь внимание инвесторов. В целом, несмотря на сильные финансовые результаты, высокая оценка по мультипликаторам и низкие показатели рентабельности остаются основными факторами риска, что должно учитываться при оценке акций компании.

Capital One Financial Corporation

Enova International, Inc. ENVA enters 2026 with credit performance in focus after a clear deterioration in 2025. For a lender serving non-prime consumers and small and medium businesses, small shifts in credit metrics can have outsized effects on earnings power and capital flexibility.
Early 2026 data points suggest the direction is improving. Still, investors should separate ratio trends from the income-statement dollars, and keep portfolio mix and pricing discipline front and center.
ENVA’s 2025 Credit Deterioration Sets the Backdrop
In 2025, net charge-offs rose 14.6% year over year and delinquencies increased 11.5%. Those are the two credit signals investors typically watch first because they capture both realized losses (charge-offs) and emerging stress (delinquencies).
That linkage matters even more for ENVA’s customer base. Non-prime and small business borrowers can be more sensitive to economic friction, so a rising delinquency pipeline can quickly translate into higher charge-offs if repayment conditions do not stabilize.
Enova’s Q1 Ratios Show Early Improvement
The first-quarter 2026 snapshot showed better year-over-year ratios. The consolidated net charge-off ratio was 7.6% versus 8.6% a year ago. The delinquency ratio was 7.4% versus 7.7%.
In practice, “improving” means ENVA is losing a smaller share of its average earning assets to charge-offs, while a slightly smaller portion of the book is moving into later-stage delinquency. That combination tends to reduce the forward drag from credit costs if it persists through the year.
The ratio improvement did not prevent net charge-off dollars from rising. Net charge-offs were $390.6 million in the first quarter of 2026 versus $350.3 million in the year-ago quarter.
That is not contradictory. Ratios measure losses relative to average combined loan and finance receivables. If ENVA’s average receivables base expands, total charge-offs can rise while the charge-off rate declines. The key takeaway is to track both lenses together, because dollars determine the direct hit to earnings while ratios signal underlying credit momentum.
Enova’s Portfolio Mix Raises the Stakes on Underwriting
Portfolio composition shapes how credit outcomes emerge and how quickly they can change. As of March 31, 2026, small business loans represented 70% of ENVA’s portfolio, while consumer loans were 30%.
A small business-heavy mix raises the importance of underwriting consistency, servicing, and monitoring, because small business cash flows can be uneven and more exposed to demand swings. It also means that even modest changes in small business performance can move consolidated credit metrics, simply because that segment dominates the portfolio.
ENVA’s Management View on Near-Term Credit Pressure
Even with better first-quarter ratios, ENVA is not positioned as “out of the woods” on credit. Credit quality is expected to remain under pressure in the near term, with geopolitical tensions and persistent inflation cited as key forces.
That framing matters for investors evaluating quarter-to-quarter volatility. It suggests the path of improvement may not be linear, and that the monitoring focus should stay on whether key portfolios continue to show better performance over time rather than expecting a quick normalization in any single quarter.
Enova’s Margin and Pricing Can Buffer Credit Volatility
Profitability provides another layer of protection when credit is choppy. ENVA’s net revenue margin was 60.1% in the first quarter of 2026, up from 56.8% a year ago. Management also noted net revenue margin was stable at around 60% by the end of the first quarter of 2026.
Pricing discipline helps in two ways. First, it can preserve revenue yield as the portfolio grows. Second, a stable margin gives ENVA more room to absorb higher charge-offs without fully compressing profitability. In a lender where credit costs can move quickly, that buffer can be the difference between a manageable swing and a meaningful earnings disruption.
ENVA’s Investor Checklist for the Next Few Quarters
The near-term checklist is straightforward. Track whether the net charge-off ratio stays closer to 7.6% than the prior-year 8.6%, and whether the delinquency ratio continues to trend below the 7.7% level from a year ago. Watch the income-statement charge-off dollars alongside those ratios, since growth in receivables can keep dollar losses elevated even as rates improve.
Keep portfolio mix in view as the small business book remains 70% of the portfolio, which makes small business performance the swing factor for consolidated credit. Finally, monitor whether net revenue margin holds near 60% as credit costs fluctuate, because stable pricing and margin are the most visible offsets when credit pressure persists.
ENVA carries a Zacks Rank of 2 (Buy) at present. You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.
Enova shares gained 74.4% in the past year compared with the industry’s rise of 34.7%.
Price Performance
Image Source: Zacks Investment Research
ENVA’s Peer Context
Enova peers, Capital One COF and Ally Financial ALLY are also facing asset quality pressure.
Capital One’s provision for credit losses and net charge-offs has been increasing over the past several years. Though the company recorded a provision benefit in 2021, provision for credit losses witnessed a CAGR of 22.1% over the last six years (2019-2025). NCOs recorded a CAGR of 55.6% over the last four years (2021-2025). In the first quarter of 2026, both provision for credit losses and NCO rose year over year. Looking ahead, the company’s asset quality is likely to be under pressure given a tough macroeconomic backdrop.
Ally Financial’s provision for loan losses declined in 2021 and 2025, yet the metric witnessed a six-year (2019-2025) CAGR of 6.8%. Likewise, while net charge-offs declined in 2021 and 2025, the metric increased in the years between. In the first quarter of 2026, provision for credit losses rose while NCO declined. Looking ahead, volatility and cumulative inflationary pressure will lead to the deterioration of credit profile of the company’s borrowers. Hence, NCOs and provisions are expected to remain elevated.
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Enova Credit Quality in 2026: Charge-Offs, Delinquencies Trends

Key Points
One of Berkshire's top investment managers, Todd Combs, recently left the company for JPMorgan Chase.
New CEO Greg Abel now controls of most of Berkshire's portfolio.
If Abel sold all of Combs' positions, that could amount to roughly $15 billion of the portfolio, or more.
If Warren Buffett's departure as chief executive officer of Berkshire Hathaway (NYSE: BRKA)(NYSE: BRKB) and the large conglomerate's first new CEO in six decades wasn't enough, there could be more change coming to the company, particularly surrounding its closely watched stock portfolio worth roughly $322 billion.
A report from The Wall Street Journal, citing anonymous sources, said that new CEO Greg Abel has dumped all the stocks managed by one of Buffett's investing lieutenants, Todd Combs, who recently left Berkshire for a role at JPMorgan Chase.
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If true, the sold stocks could amount to a position of around $15 billion or more.
Combs likely managed about 5% of the portfolio
While Buffett managed the bulk of the equities portfolio until he stepped down as CEO, reports over the years indicated that Combs and Ted Weschler, who is still at Berkshire, oversaw about 10% of it at their own discretion.
Assuming they split it evenly means Combs had control of more than 5% of the portfolio, which today would amount to at least $16 billion. However, Berkshire's portfolio has hovered around $300 billion in recent years, so $15 billion is a fair assumption.
Although Abel has said he plans to leave many things at the company unchanged, the Berkshire veteran has also begun to make his mark. In his first annual letter to shareholders, he listed nine holdings in Berkshire's portfolio that he implied were "core holdings" and would see "limited activity" unless there are "fundamental changes in its long-term economic prospects."
Comments like these have led some to wonder whether Berkshire will be as active an investor. Abel does not have a background in portfolio management.
Abel also said in the letter that the responsibility of the equities portfolio ultimately resides with him, although Weschler would continue to manage 6% of it, including some of it previously managed by Combs.
While it's hard to know exactly which stocks Combs purchased and managed, many market watchers and analysts viewed him as the tech guru at the company and believe he was responsible for buying Amazon, Visa, Mastercard, Verisign, and Snowflake, which Berkshire sold in 2024.
It's also possible that Combs was responsible for some of Berkshire's smaller, more tech-focused financials companies, like Capital One and Ally Financial.
In the fourth quarter of 2025, Berkshire lowered its stake in nine of its holdings, including Atlanta Braves Holdings, Aon, Pool Corp., Liberty Latin America, Constellation Brands, and DaVita, although there's been speculation that DaVita is a Weschler position.
The market will get clues soon
The good news is that investors will only have to guess for a few more weeks. Berkshire must file its first-quarter 10-Q with the Securities and Exchange Commission (SEC) by May 2, which would reveal how much in stocks it bought and sold in the first quarter, and provide insight into which sectors. The actual positions that Berkshire changed in the first quarter will be made public in an SEC 13F filing, which must be released by May 15.
Even if Abel intends to sell all of the roughly $15 billion in equities that Combs managed, it may not all happen at once. Berkshire's size and equity positions have grown so large that it's not always easy to unload all at once. It may take several quarters.
Investors should not only look for potential changes to the portfolio, but also consider what it says about Abel's plans for the company and its portfolio. Based on his comments in the shareholder letter, he seems to be moving toward a more passive portfolio that would see fewer quarterly changes. But it's still early on in his tenure, so only time will tell.
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Ally is an advertising partner of Motley Fool Money. JPMorgan Chase is an advertising partner of Motley Fool Money. Bram Berkowitz has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends Amazon, Atlanta Braves Holdings, Berkshire Hathaway, JPMorgan Chase, Mastercard, Snowflake, VeriSign, and Visa. The Motley Fool recommends Capital One Financial, Constellation Brands, and Pool. The Motley Fool has a disclosure policy.
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Did Warren Buffett's Successor Just Dump $15 Billion of Berkshire's Portfolio? Here's 1 Big Reason to Explain Such a Huge Move.

Key Points
Visa has the largest credit and payments network in the world.
There are only four major credit and payment providers in the U.S.
Visa's business has long been protected by a wide competitive moat.
As an investor, one of the most important things to look for in a company is its competitive advantage in its industry. Famed investor Warren Buffett popularized the term "moat" to describe how well that advantage was protected from competition.
Companies with a moat around their business are protected from competitors in some way shape or form, like an actual moat protects a castle. The wider the moat, the more protected the business is.
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Stocks with moats, the wider the better, are usually pretty good performers, no matter the market or economic environment, because that business is well insulated from outside threats. It takes a bit of research to find stocks with moats, but usually they are the stocks with the most consistent long-term returns. You can even find exchange-traded funds (ETFs) that focus on stocks with competitive moats.
In the financial industry, there are several companies with wide moats, but one of the absolute best moats belongs to credit and payment giant Visa (NYSE: V).
Visa's wide moat
Visa is one of just four major credit card companies, along with Mastercard (NYSE: MA), American Express (NYSE: AXP), and Discover, which is now owned by Capital One (NYSE: COF). That right there is somewhat of a moat, because it is very difficult, expensive, and complex to establish a new payment network, let alone build the trust of merchants and consumers.
But Visa's moat is even wider because it basically has a duopoly with Mastercard, controlling about 77% of the market. And of that 77%, Visa's market share is about 52%, far and away the leader.
The other key differentiator for Visa, as well as Mastercard, is that they are simply providers of the payment networks. They do not issue credit cards, like Capital One, Discover, or American Express, nor do they loan the money for the purchases made on their networks. They simply generate fees every time their network is used. And with some $17 trillion moving across Visa's network in 2025, that's a lot of fees.
Visa's model makes it free of credit risk -- and credit risk tends to negatively impact lenders, particularly during tough times. In fact, Visa tends to do relatively well in challenging markets, because, while purchase volume may go down in tough markets, consumers still use their credit and debit cards for purchases.
Visa at a discount
In addition, Visa has a relatively asset-light model, other than the need for updated technology systems. But as a long-established company, its technology systems are in place and only need updates. And because Visa generates such massive margins, due to its asset-light business, it has plenty of cash to invest in its systems and technology.
Visa stock is pretty much always a buy, as it is one of the steadiest, most consistent performers in the sector, thanks largely to its wide moat. Over the past 10 years, its has an average annualized return of about 14% per year.
Visa stock is down about 11% year to date, which makes it a particularly good buy right now as it relatively cheap with a forward P/E ratio of 24.
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American Express is an advertising partner of Motley Fool Money. Dave Kovaleski has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends Mastercard and Visa. The Motley Fool recommends Capital One Financial. The Motley Fool has a disclosure policy.
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

The Financial Stock With the Widest Competitive Moat in Its Industry

Investors in Capital One Financial Corp (Symbol: COF) saw new options begin trading today, for the June 5th expiration. At Stock Options Channel, our YieldBoost formula has looked up and down the COF options chain for the new June 5th contracts and identified one put and one call contract of particular interest.
The put contract at the $195.00 strike price has a current bid of $5.60. If an investor was to sell-to-open that put contract, they are committing to purchase the stock at $195.00, but will also collect the premium, putting the cost basis of the shares at $189.40 (before broker commissions). To an investor already interested in purchasing shares of COF, that could represent an attractive alternative to paying $198.74/share today.
Because the $195.00 strike represents an approximate 2% discount to the current trading price of the stock (in other words it is out-of-the-money by that percentage), there is also the possibility that the put contract would expire worthless. The current analytical data (including greeks and implied greeks) suggest the current odds of that happening are 59%. Stock Options Channel will track those odds over time to see how they change, publishing a chart of those numbers on our website under the contract detail page for this contract. Should the contract expire worthless, the premium would represent a 2.87% return on the cash commitment, or 24.38% annualized — at Stock Options Channel we call this the YieldBoost.
Below is a chart showing the trailing twelve month trading history for Capital One Financial Corp, and highlighting in green where the $195.00 strike is located relative to that history:
Turning to the calls side of the option chain, the call contract at the $200.00 strike price has a current bid of $6.40. If an investor was to purchase shares of COF stock at the current price level of $198.74/share, and then sell-to-open that call contract as a "covered call," they are committing to sell the stock at $200.00. Considering the call seller will also collect the premium, that would drive a total return (excluding dividends, if any) of 3.85% if the stock gets called away at the June 5th expiration (before broker commissions). Of course, a lot of upside could potentially be left on the table if COF shares really soar, which is why looking at the trailing twelve month trading history for Capital One Financial Corp, as well as studying the business fundamentals becomes important. Below is a chart showing COF's trailing twelve month trading history, with the $200.00 strike highlighted in red:
Considering the fact that the $200.00 strike represents an approximate 1% premium to the current trading price of the stock (in other words it is out-of-the-money by that percentage), there is also the possibility that the covered call contract would expire worthless, in which case the investor would keep both their shares of stock and the premium collected. The current analytical data (including greeks and implied greeks) suggest the current odds of that happening are 50%. On our website under the contract detail page for this contract, Stock Options Channel will track those odds over time to see how they change and publish a chart of those numbers (the trading history of the option contract will also be charted). Should the covered call contract expire worthless, the premium would represent a 3.22% boost of extra return to the investor, or 27.34% annualized, which we refer to as the YieldBoost.
The implied volatility in the put contract example is 35%, while the implied volatility in the call contract example is 33%.
Meanwhile, we calculate the actual trailing twelve month volatility (considering the last 251 trading day closing values as well as today's price of $198.74) to be 32%. For more put and call options contract ideas worth looking at, visit StockOptionsChannel.com.
Also see:
Computer Peripherals Dividend Stocks
ALMU Options Chain
Safe Dividend Stocks
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

June 5th Options Now Available For Capital One Financial (COF)

Key Points
Not only did Capital One miss earnings and revenue estimates, but its credit provision came in higher than expected.
While investors may see this as a sign of a weakening consumer, management says it sees 'resilience.'
Capital One also saw credit metrics improve from the previous quarter.
The credit card company Capital One (NYSE: COF) delivered disappointing earnings results that fell short of Wall Street consensus estimates in multiple ways. The stock fell 1.5% today.
The company reported adjusted earnings per share of $4.42, missing estimates by $0.08. Revenue of 15.23 billion also came up short of estimates of $15.36 billion.
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Capital One also set aside a $4.07 billion provision for credit losses, higher than analysts expected and up 72% year over year.
Whether you own the stock or not, Capital One, like several of the other major Wall Street banks, is a good company to watch because it can provide insights into the economy, particularly how the consumer is holding up.
Capital One is also important because it tends to serve more near-prime and subprime borrowers than some of its main competitors. Are the three earnings misses evidence that the consumer is finally showing fatigue?
The consumer remains resilient
Despite the credit miss, Capital One's management team says they continue to view the consumer as resilient. Investors should also keep in mind that credit is often one of the more difficult line items for analysts to model.
Of the nearly $4.1 billion provision, $3.8 billion covered net charge-offs, which are loan losses the company doesn't expect to recover, and about $230 million went to further build the total allowance for future credit losses.
While the provision is up 72% year over year, it actually fell from the previous quarter. Meanwhile, 30-day delinquencies, a good indicator of new, emerging credit concerns, also fell from the prior quarter and year over year.
"We continue to really feel very good about not only our portfolio performance, but good for the credit outlook of consumers and good for the opportunity to continue to lean in to origination and credit line growth in our business," Capital One's CEO Richard Fairbank, said on the company's earnings conference call. "Once again, it seems like every quarter we're having a conversation just like this. There's a lot of noise in the external environment, but the consumer is showing quite a bit of resilience."
Fairbank did say that if energy prices stay high for a longer period of time, "that would be a real headwind for consumers and probably a drag on the overall macro economy."
Capital One's business is inherently cyclical, given that the company lends to consumers and businesses, which have their ups and downs through the economic cycle. But despite the earnings and credit provision misses, Capital One's customer base still seems to be holding up well.
While I can understand investor concerns about owning a credit card lender if they are also concerned about a potential recession, I do think Capital One is a stock that can be held long-term and generate solid returns.
Fairbank and his C-suite are an incredibly strong management team with decades of experience and who know how to navigate the economic cycle.
Furthermore, I see strong promise once Capital One can fully integrate its $35 billion acquisition of Discover, which brings a payments network that will add a solid stream of annual recurring revenue.
Should you buy stock in Capital One Financial right now?
Before you buy stock in Capital One Financial, consider this:
The Motley Fool Stock Advisor analyst team just identified what they believe are the 10 best stocks for investors to buy now… and Capital One Financial wasn’t one of them. The 10 stocks that made the cut could produce monster returns in the coming years.
Consider when Netflix made this list on December 17, 2004... if you invested $1,000 at the time of our recommendation, you’d have $499,277!* Or when Nvidia made this list on April 15, 2005... if you invested $1,000 at the time of our recommendation, you’d have $1,225,371!*
Now, it’s worth noting Stock Advisor’s total average return is 972% — a market-crushing outperformance compared to 198% for the S&P 500. Don't miss the latest top 10 list, available with Stock Advisor, and join an investing community built by individual investors for individual investors.
Bram Berkowitz has no position in any of the stocks mentioned. The Motley Fool recommends Capital One Financial and Fair Isaac. The Motley Fool has a disclosure policy.
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Capital One's 2026 First-Quarter Earnings Results Fell Short of Wall Street Estimates in 3 Different Ways. Is the Consumer Finally Showing Signs of Fatigue?

Among the underlying components of the S&P 500 index, we saw noteworthy options trading volume today in United Rentals Inc (Symbol: URI), where a total of 2,325 contracts have traded so far, representing approximately 232,500 underlying shares. That amounts to about 47.5% of URI's average daily trading volume over the past month of 489,170 shares. Especially high volume was seen for the $860 strike call option expiring April 24, 2026, with 287 contracts trading so far today, representing approximately 28,700 underlying shares of URI. Below is a chart showing URI's trailing twelve month trading history, with the $860 strike highlighted in orange:
Synchrony Financial (Symbol: SYF) saw options trading volume of 15,027 contracts, representing approximately 1.5 million underlying shares or approximately 44.2% of SYF's average daily trading volume over the past month, of 3.4 million shares. Especially high volume was seen for the $72.50 strike put option expiring May 15, 2026, with 7,682 contracts trading so far today, representing approximately 768,200 underlying shares of SYF. Below is a chart showing SYF's trailing twelve month trading history, with the $72.50 strike highlighted in orange:
And Capital One Financial Corp (Symbol: COF) options are showing a volume of 17,331 contracts thus far today. That number of contracts represents approximately 1.7 million underlying shares, working out to a sizeable 41.3% of COF's average daily trading volume over the past month, of 4.2 million shares. Especially high volume was seen for the $212.50 strike call option expiring April 24, 2026, with 2,686 contracts trading so far today, representing approximately 268,600 underlying shares of COF. Below is a chart showing COF's trailing twelve month trading history, with the $212.50 strike highlighted in orange:
For the various different available expirations for URI options, SYF options, or COF options, visit StockOptionsChannel.com.
Also see:
Benfords Law Stocks
Funds Holding TROV
Analyst Rated Dividend Stocks
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Noteworthy Wednesday Option Activity: URI, SYF, COF

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Capital One (COF) Q1 2026 Earnings Transcript

For the quarter ended March 2026, Capital One (COF) 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

Capital One (COF) came out with quarterly earnings of $4.42 per share, missing the Zacks Consensus Estimate of $4.61 per share. This compares to earnings of $4.06 per share a year ago. These figures are adjusted for non-recurring items.
This quarterly report represents an earnings surprise of -4.20%. A quarter ago, it was expected that this credit card issuer and bank would post earnings of $4.12 per share when it actually produced earnings of $3.86, delivering a surprise of -6.31%.
Over the last four quarters, the company has surpassed consensus EPS estimates two times.
Capital One, which belongs to the Zacks Financial - Consumer Loans industry, posted revenues of $15.23 billion for the quarter ended March 2026, missing the Zacks Consensus Estimate by 0.91%. This compares to year-ago revenues of $10 billion. The company has topped consensus revenue estimates three times over the last four quarters.
The sustainability of the stock's immediate price movement based on the recently-released numbers and future earnings expectations will mostly depend on management's commentary on the earnings call.
Capital One shares have lost about 15.1% since the beginning of the year versus the S&P 500's gain of 3.9%.
What's Next for Capital One?
While Capital One has underperformed the market so far this year, the question that comes to investors' minds is: what's next for the stock?
There are no easy answers to this key question, but one reliable measure that can help investors address this is the company's earnings outlook. Not only does this include current consensus earnings expectations for the coming quarter(s), but also how these expectations have changed lately.
Empirical research shows a strong correlation between near-term stock movements and trends in earnings estimate revisions. Investors can track such revisions by themselves or rely on a tried-and-tested rating tool like the Zacks Rank, which has an impressive track record of harnessing the power of earnings estimate revisions.
Ahead of this earnings release, the estimate revisions trend for Capital One was mixed. While the magnitude and direction of estimate revisions could change following the company's just-released earnings report, the current status translates into a Zacks Rank #3 (Hold) for the stock. So, the shares are expected to perform in line with the market in the near future. You can see the complete list of today's Zacks #1 Rank (Strong Buy) stocks here.
It will be interesting to see how estimates for the coming quarters and the current fiscal year change in the days ahead. The current consensus EPS estimate is $5.04 on $15.67 billion in revenues for the coming quarter and $19.48 on $63.57 billion in revenues for the current fiscal year.
Investors should be mindful of the fact that the outlook for the industry can have a material impact on the performance of the stock as well. In terms of the Zacks Industry Rank, Financial - Consumer Loans is currently in the top 11% of the 250 plus Zacks industries. Our research shows that the top 50% of the Zacks-ranked industries outperform the bottom 50% by a factor of more than 2 to 1.
One other stock from the same industry, Enova International (ENVA), is yet to report results for the quarter ended March 2026. The results are expected to be released on April 23.
This online financial services company is expected to post quarterly earnings of $3.66 per share in its upcoming report, which represents a year-over-year change of +22.8%. The consensus EPS estimate for the quarter has been revised 3.5% lower over the last 30 days to the current level.
Enova International's revenues are expected to be $851.22 million, up 14.2% from the year-ago quarter.
Should You Invest in Capital One Financial Corporation (COF)?
Before you invest in Capital One Financial Corporation (COF), want to know the best stocks to buy for the next 30 days? Check out Zacks Investment Research for our free report on the 7 best stocks to buy.
Zacks Investment Research has been committed to providing investors with tools and independent research since 1978. For more than a quarter century, the Zacks Rank stock-rating system has more than doubled the S&P 500 with an average gain of +24.08% per year. (These returns cover a period from January 1, 1988 through May 6, 2024.)
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The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Capital One (COF) Q1 Earnings and Revenues Miss Estimates

(RTTNews) - Capital One Financial Corp. (COF) announced a profit for first quarter of $2.174 billion
The company's earnings came in at $2.174 billion, or $3.34 per share. This compares with $1.404 billion, or $3.45 per share, last year.
Excluding items, Capital One Financial Corp. reported adjusted earnings of $2.752 billion or $4.42 per share for the period.
The company's revenue for the period rose 52.3% to $15.231 billion from $10.000 billion last year.
Capital One Financial Corp. earnings at a glance (GAAP) :
-Earnings: $2.174 Bln. vs. $1.404 Bln. last year. -EPS: $3.34 vs. $3.45 last year. -Revenue: $15.231 Bln vs. $10.000 Bln last year.
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Indicator	TTM Median
P/E	69.50 13.54
Price/Sales	1.59 2.13
P/B	1.15 1.22
P/FCF	5.91 10.71

Indicator	TTM Median
ROE	2.12 10.44
ROA	0.34 1.19
ROI	1.43 6.98
Net Worth	129.93 1.04
Quick Ratio	0.00 1.37
Current Ratio	1.04 0.97

Indicator	TTM Median
Net Profit Margin	3.07 17.29
Operating Margin	3.29 23.38
Gross Margin	77.16 70.06
Return on tangible equity	1.93 12.56

Indicator	TTM Median
EPS	4.42 0.66
EPS Forecast	4.61 0.67
Revenue	19.80B 81.00M
Gross Profit	15.58B —
EBITDA	0.00 —

Capital One Financial Corporation

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