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Capital One Financial COF Q2 2026 earnings

Reported July 21, 2026 · After market close

Revenue$15.9BBeat by $91.6M
EPS$5.81Beat by $1.02
Revenue estimate$15.8B
EPS estimate$4.79
“We're now 14 months into our integration of Discover, and integration is going well.”
Richard D. Fairbank

Next report

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

Financials

Q2 2026

Income statement

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Revenue$15.9B+26.9%
Net income$3.0B+171%
EPS (diluted)$4.73+155%

Balance sheet

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Cash & equivalents$55.9B-9.3%
Total debt$46.1B-13.7%
Total equity$113.79B+2.6%
Total assets$673.84B+2.3%

Cash flow

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Operating cash flow$8.4B+39.2%
CapEx$367.0M-8.0%
Free cash flow$8.1B+42.5%

Valuation & ratios

Valuation

as of 10/02/26
See full
Market cap$119.31B-12.7%
Enterprise value$109.49B-16.0%
P/E11.3×-85.3×
P/S1.9×-0.9×

Profitability

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Net margin17%—
FCF margin47.9%+5.2pp

Returns & leverage

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Return on equity9.4%—
Debt / equity0.4×-0.1×

Segments

By segment

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Credit Card$11.8B+29.4%
Consumer Banking$3.2B+25.5%
Commercial Banking$850.0M-9.3%

By product

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Interchange fees, net$2.3B+52.6%
Other$255.0M+37.8%
Service charges and other customer-related fees$251.0M+38.7%

FAQ

When did Capital One Financial report Q2 2026 earnings?
Capital One Financial (COF) reported Q2 2026 earnings on July 21, 2026 after market close.
What were Capital One Financial's Q2 2026 revenue and EPS?
Capital One Financial reported revenue of $15.9B and eps of $5.81 for Q2 2026.
Did Capital One Financial beat estimates in Q2 2026?
Revenue beat the consensus estimate of $15.8B by $91.6M. EPS beat the consensus estimate of $4.79 by $1.02.
Where can I find Capital One Financial's Q2 2026 SEC filings?
You can read the 8-K earnings release (0000927628-26-000083) and the 10-Q periodic report (0000927628-26-000089) directly on SEC EDGAR. The filing index links above go to sec.gov.