A Peek at Capital One Finl's Future Earnings
Capital One Finl (NYSE:COF) is preparing to release its quarterly earnings on Thursday, 2026-01-22. Here's a brief overview of what investors should keep in mind before the announcement.
Analysts expect Capital One Finl to report an earnings per share (EPS) of $4.11.
Anticipation surrounds Capital One Finl's announcement, with investors hoping to hear about both surpassing estimates and receiving positive guidance for the next quarter.
New investors should understand that while earnings performance is important, market reactions are often driven by guidance.
Past Earnings Performance
In the previous earnings release, the company beat EPS by $1.64, leading to a 1.53% increase in the share price the following trading session.
Here's a look at Capital One Finl's past performance and the resulting price change:
| Quarter | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 |
|---|---|---|---|---|
| EPS Estimate | 4.31 | 3.67 | 3.69 | 2.80 |
| EPS Actual | 5.95 | 5.48 | 4.06 | 3.09 |
| Price Change % | 2.00 | 1.00 | 4.00 | 4.00 |
Stock Performance
Shares of Capital One Finl were trading at $228.72 as of January 20. Over the last 52-week period, shares are up 12.1%. Given that these returns are generally positive, long-term shareholders are likely bullish going into this earnings release.
Analysts' Perspectives on Capital One Finl
For investors, grasping market sentiments and expectations in the industry is vital. This analysis explores the latest insights regarding Capital One Finl.
Capital One Finl has received a total of 11 ratings from analysts, with the consensus rating as Buy. With an average one-year price target of $288.91, the consensus suggests a potential 20.81% upside.
Peer Ratings Overview
In this analysis, we delve into the analyst ratings and average 1-year price targets of FirstCash Hldgs, Credit Acceptance and Enova International, three key industry players, offering insights into their relative performance expectations and market positioning.
- Analysts currently favor an Buy trajectory for FirstCash Hldgs, with an average 1-year price target of $199.33, suggesting a potential 16.65% downside.
- Analysts currently favor an Sell trajectory for Credit Acceptance, with an average 1-year price target of $430.0, suggesting a potential 79.81% upside.
- Analysts currently favor an Buy trajectory for Enova International, with an average 1-year price target of $170.4, suggesting a potential 28.74% downside.
Snapshot: Peer Analysis
The peer analysis summary outlines pivotal metrics for FirstCash Hldgs, Credit Acceptance and Enova International, demonstrating their respective standings within the industry and offering valuable insights into their market positions and comparative performance.
| Company | Consensus | Revenue Growth | Gross Profit | Return on Equity |
|---|---|---|---|---|
| Figure Technology | Outperform | 86.84% | $126.18M | 5.60% |
| FirstCash Hldgs | Buy | 11.73% | $473.71M | 3.82% |
| Credit Acceptance | Sell | 6.03% | $356M | 6.91% |
| Enova International | Buy | 16.34% | $373.75M | 6.39% |
Key Takeaway:
Capital One Financial is positioned at the top for Revenue Growth among its peers. It ranks in the middle for Gross Profit. In terms of Return on Equity, Capital One Financial is at the bottom compared to its peers.
About Capital One Finl
Capital One is a diversified financial services holding company headquartered in McLean, Virginia. Originally a spinoff of Signet Financial's credit card division in 1994, the company is now primarily involved in credit card lending, auto loans, and commercial lending. Following the acquisition of Discover in 2025, the firm also has a modest personal loan business, though credit card lending provides the majority of the bank's revenue.
Capital One Finl: Financial Performance Dissected
Market Capitalization Analysis: The company's market capitalization is above the industry average, indicating that it is relatively larger in size compared to peers. This may suggest a higher level of investor confidence and market recognition.
Revenue Growth: Capital One Finl displayed positive results in 3 months. As of 30 September, 2025, the company achieved a solid revenue growth rate of approximately 54.42%. This indicates a notable increase in the company's top-line earnings. As compared to its peers, the company achieved a growth rate higher than the average among peers in Financials sector.
Net Margin: Capital One Finl's net margin surpasses industry standards, highlighting the company's exceptional financial performance. With an impressive 19.96% net margin, the company effectively manages costs and achieves strong profitability.
Return on Equity (ROE): Capital One Finl's ROE lags behind industry averages, suggesting challenges in maximizing returns on equity capital. With an ROE of 2.75%, the company may face hurdles in achieving optimal financial performance.
Return on Assets (ROA): Capital One Finl's ROA lags behind industry averages, suggesting challenges in maximizing returns from its assets. With an ROA of 0.47%, the company may face hurdles in achieving optimal financial performance.
Debt Management: The company maintains a balanced debt approach with a debt-to-equity ratio below industry norms, standing at 0.45.
To track all earnings releases for Capital One Finl visit their earnings calendar on our site.
This article was generated by Benzinga's automated content engine and reviewed by an editor.