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Capital One Financial COF Q1 2026 earnings

Reported April 21, 2026 · After market close

Revenue$15.2BMiss by $114.4M
EPS$4.42Miss by $0.08
Revenue estimate$15.3B
EPS estimate$4.50

Next report

Oct 20, 2026 (In 2 weeks)
Revenue estimate$16.3B
EPS estimate$5.49

Financials

Q1 2026

Income statement

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Revenue$15.2B+52.3%
Net income$2.2B+54.8%
EPS (diluted)$3.34-3.2%

Balance sheet

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Cash & equivalents$79.3B+61.9%
Total debt$53.5B+26.4%
Total equity$112.26B+76.7%
Total assets$682.91B+38.4%

Cash flow

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Operating cash flow$6.0B+29.1%
CapEx$553.0M+58.9%
Free cash flow$5.5B+26.6%

Valuation & ratios

Valuation

as of 03/31/26
See full
Market cap$113.46B+65.2%
Enterprise value$87.72B+41.4%
P/E35.2×+21.1×
P/S1.9×+0.2×

Profitability

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Net margin5.5%-6.8pp
FCF margin46.5%-0.1pp

Returns & leverage

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Return on equity3.7%-4.4pp
Debt / equity0.5×-0.2×

Segments

By segment

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Credit Card$11.4B+59.0%
Consumer Banking$2.9B+37.0%
Commercial Banking$909.0M+2.8%

By product

See full
Interchange fees, net$2.0B+60.6%
Service charges and other customer-related fees$249.0M+137%
Other$197.0M+22.4%

FAQ

When did Capital One Financial report Q1 2026 earnings?
Capital One Financial (COF) reported Q1 2026 earnings on April 21, 2026 after market close.
What were Capital One Financial's Q1 2026 revenue and EPS?
Capital One Financial reported revenue of $15.2B and eps of $4.42 for Q1 2026.
Did Capital One Financial beat estimates in Q1 2026?
Revenue missed the consensus estimate of $15.3B by $114.4M. EPS missed the consensus estimate of $4.50 by $0.08.
Where can I find Capital One Financial's Q1 2026 SEC filings?
You can read the 8-K earnings release (0000927628-26-000039) and the 10-Q periodic report (0000927628-26-000048) directly on SEC EDGAR. The filing index links above go to sec.gov.