Capital One's balance sheet expanded from $480.0B in 2024Q2 to $672.9B in 2026Q3, with net interest income rebounding to $12.9B in 2026Q3 and EPS of $5.61 beating consensus by roughly 17%, suggesting the Discover consolidation is beginning to contribute earnings.
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Net interest income climbed to $12.9B in 2026Q3 from $12.1B in 2026Q1, a 3.9% sequential rise, though the net interest margin of 1.9% remains roughly flat with 2025 levels, suggesting funding cost pressure may be offsetting asset yield gains.
The acquisition of Discover is expected to unlock $2.7B in synergies through cost efficiencies, network optimization, and revenue growth. Successful integration would enhance earnings power and position Capital One as a payments leader.
By owning both issuer and payment network, Capital One can internalize transaction rails, bypass interchange fees charged by Visa and Mastercard, and build a closed‑loop system that creates network effects and switching costs.
Analysts project revenue of $66.2B and earnings of $16.9B by 2028, reflecting strong growth potential from the expanded card portfolio and payment services.
Trailing total returns as of 11/7/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).
Check whether operating performance supports the current valuation.
Recent results and news deserve attention only when they alter the forward view.
| Quarter | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|
Q4 2026Latest Oct 20, 2026 | $6.69+21.0% vs $5.53 | $16.3B+0.3% vs $16.2B |
Q3 2026 Jul 21, 2026 | $5.81+21.3% vs $4.79 | $15.8B+0.6% vs $15.8B |
Q2 2026 Apr 21, 2026 | $4.42-1.8% vs $4.50 | $15.2B-0.7% vs $15.3B |
Q1 2026 Jan 22, 2026 | $3.86-6.8% vs $4.14 | $15.6B+0.7% vs $15.5B |
The 2026 U.S. midterm elections have reshaped Washington's political landscape, with Democrats securing control of both the House of Representatives and the Senate. The outcome introduces a divided government under President Donald Trump, potentially slowing the administration's financial deregulation agenda and increasing congressional scrutiny of the banking and financial services industry.
MCLEAN, Va.--(BUSINESS WIRE)--Capital One Financial Corporation (NYSE: COF) today announced a quarterly dividend of $0.80 per common share payable December 1, 2026, to stockholders of record at the close of business on November 16, 2026. The company has announced dividends on its common stock every quarter since it became an independent company on February 28, 1995. Dividends declared by the company are eligible for direct reinvestment in the company's common stock under its Dividend Reinvestme.
Each of these businesses gets paid when you pay. Why does the market price some of those fees at around three times the rest?
Capital One (COF) has been upgraded to a Zacks Rank #2 (Buy), reflecting growing optimism about the company's earnings prospects. This might drive the stock higher in the near term.
Benchmark COF against direct peers instead of judging its metrics in isolation.
Key metrics vs top competitors for Capital One Financial Corporation (COF)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $201.87 | $123.84B | 50.09 | 36.62% | 4.59% | 2.81% | 1.39% | |
| $73.74 | $23.99B | 7.94 | -7.09% | 20.88% | 19.99% | 1.62% | |
| $320.99 | $216.77B | 20.87 | 9.52% | 13.68% | 5.71% | 1.02% | |
| $49.42 | $350.71B | 12.94 | 11% | 30.93% | 10.46% | 2.56% | |
| $334.49 | $896.27B | 16.68 | 7.32% | 30.8% | 16.23% | 1.78% | |
| $119.08 | $204.21B | 17.04 | 5.11% | 19.09% | 8.08% | 2.42% |
Capital One Financial Corporation (COF) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Verify the primary filings, follow material updates, and answer the remaining questions.
Capital One Financial Corporation (COF) SEC filings — annual & quarterly reports (10-K, 10-Q)
Oct 20, 2026·SEC
Oct 20, 2026·SEC
Aug 20, 2026·SEC
Feb 19, 2026·SEC
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Capital One Financial Corporation (COF) stock FAQ — growth, dividends, profitability & financials explained
Capital One Financial Corporation (COF) grew revenue by 36.6% in fiscal year 2025, compared with the prior fiscal year.
Yes. Capital One Financial Corporation (COF) earned $10.87B in net income over the trailing twelve months (a 17.3% net margin).
Yes. Capital One Financial Corporation (COF) pays a dividend that yields 1.39% at the current price, a moderate yield.
Capital One Financial Corporation (COF) had a return on equity (ROE) of 2.8% in fiscal year 2025. That is below the market's typical 10-15%.
Capital One Financial Corporation (COF) has a net interest margin (NIM) of 6.4%. This indicates healthy earnings from lending activities.
Capital One Financial Corporation (COF) has an efficiency ratio of 57.1%. This is reasonable for a bank.
