Skip to main content

Capital One (COF) Q3 Earnings Report Preview: What To Look For

COF Cover Image

Financial services company Capital One (NYSE: COF) will be reporting results this Tuesday after market close. Here’s what to look for.

Capital One missed analysts’ revenue expectations by 0.6% last quarter, reporting revenues of $12.58 billion, up 32.3% year on year. It was a very strong quarter for the company, with a beat of analysts’ EPS estimates and .

Is Capital One a buy or sell going into earnings? Read our full analysis here, it’s free for active Edge members.

This quarter, analysts are expecting Capital One’s revenue to grow 50.1% year on year to $15.03 billion, improving from the 6.9% increase it recorded in the same quarter last year. Adjusted earnings are expected to come in at $4.36 per share.

Capital One Total Revenue

Analysts covering the company have generally reconfirmed their estimates over the last 30 days, suggesting they anticipate the business to stay the course heading into earnings. Capital One has missed Wall Street’s revenue estimates three times over the last two years.

Looking at Capital One’s peers in the consumer finance segment, some have already reported their Q3 results, giving us a hint as to what we can expect. Synchrony Financial posted flat year-on-year revenue, beating analysts’ expectations by 0.9%, and American Express reported revenues up 10.8%, topping estimates by 2.8%. Synchrony Financial traded down 3.5% following the results.

Read our full analysis of Synchrony Financial’s results here and American Express’s results here.

Questions about potential tariffs and corporate tax changes have caused much volatility in 2025. While some of the consumer finance stocks have shown solid performance in this choppy environment, the group has generally underperformed, with share prices down 6.3% on average over the last month. Capital One is down 5.3% during the same time and is heading into earnings with an average analyst price target of $254.52 (compared to the current share price of $213.55).

Today’s young investors won’t have read the timeless lessons in Gorilla Game: Picking Winners In High Technology because it was written more than 20 years ago when Microsoft and Apple were first establishing their supremacy. But if we apply the same principles, then enterprise software stocks leveraging their own generative AI capabilities may well be the Gorillas of the future. So, in that spirit, we are excited to present our Special Free Report on a profitable, fast-growing enterprise software stock that is already riding the automation wave and looking to catch the generative AI next.

StockStory is growing and hiring equity analyst and marketing roles. Are you a 0 to 1 builder passionate about the markets and AI? See the open roles here.

Recent Quotes

View More
Symbol Price Change (%)
AMZN  214.76
+1.72 (0.81%)
AAPL  258.82
+6.53 (2.59%)
AMD  239.87
+6.79 (2.92%)
BAC  51.79
+0.51 (0.99%)
GOOG  256.31
+2.52 (0.99%)
META  730.56
+13.65 (1.90%)
MSFT  515.48
+1.90 (0.37%)
NVDA  182.75
-0.47 (-0.26%)
ORCL  282.81
-8.50 (-2.92%)
TSLA  449.08
+9.77 (2.22%)
Stock Quote API & Stock News API supplied by www.cloudquote.io
Quotes delayed at least 20 minutes.
By accessing this page, you agree to the Privacy Policy and Terms Of Service.