COF-PL · Capital One Financial Corp
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Capital One Financial Corporation reported third quarter 2026 net income of $3.5 billion, or $5.61 per diluted common share, compared with $3.0 billion and $4.73 in second quarter 2026. Total net revenue rose 3 percent to $16.3 billion.
Read the 8-KQuarterly results
* Q4 derived as the full year minus Q1 to Q3.
Equibles Research
our published analysis of this company
Guidance & track record
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders illustrative — not investment adviceIllustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Auto loan originations | $12.92B | Three Months Ended June 30, 2026 filing | — |
| Auto net charge-off rate | 1.43% | Three Months Ended June 30, 2026 filing | — |
| Average loans held for investment | $450.7B | second quarter of 2026 filing | — |
| Average loans held for investment - Domestic credit card | $254.63B | Three Months Ended June 30, 2026 filing | — |
| Average loans held for investment - Total credit card | $271.2B | Three Months Ended June 30, 2026 filing | — |
| average NSFR | 136% | second quarter of 2026 filing | — |
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| Average yield on loans - Credit Card | 17.21% | Three Months Ended June 30, 2026 filing | — |
| Average yield on loans - Domestic Card | 17.16% | Three Months Ended June 30, 2026 filing | — |
| Discover integration expenses | $298M | Three Months Ended June 30, 2026 filing | — |
| Domestic credit card net charge-off rate | 4.71% | Three Months Ended June 30, 2026 filing | — |
| Efficiency ratio | 57.05% | Three Months Ended June 30, 2026 filing | — |
| Equity-to-assets ratio | 16.79% | Three Months Ended June 30, 2026 filing | — |
| Global Payment Network volume | $189.61B | Three Months Ended June 30, 2026 filing | — |
| International card businesses net charge-off rate | 5.82% | Three Months Ended June 30, 2026 filing | — |
| Net charge-off rate - Credit Card | 4.71% | Three Months Ended June 30, 2026 filing | — |
| Net charge-off rate - Domestic Card | 4.71% | Three Months Ended June 30, 2026 filing | — |
| Net interest margin | 8.01% | Three Months Ended June 30, 2026 filing | — |
| Operating efficiency ratio | 46.57% | Three Months Ended June 30, 2026 filing | — |
| Personal loans net charge-off rate | 3.77% | Three Months Ended June 30, 2026 filing | — |
| Purchase volume - Credit Card | $253.75B | Three Months Ended June 30, 2026 filing | — |
| Purchase volume - Domestic Card | $249.2B | Three Months Ended June 30, 2026 filing | — |
| Return on average assets | 1.77% | Three Months Ended June 30, 2026 filing | — |
| Return on average common equity | 10.76% | Three Months Ended June 30, 2026 filing | — |
| Return on average tangible assets non-GAAP | 1.89% | Three Months Ended June 30, 2026 filing | — |
| Return on average tangible common equity non-GAAP | 18.04% | Three Months Ended June 30, 2026 filing | — |
| Tangible book value per common share non-GAAP | $105.21 | Three Months Ended June 30, 2026 filing | — |
| Total credit card net charge-off rate | 4.71% | Three Months Ended June 30, 2026 filing | — |
| Total net charge-offs (rate) | 3.23% | Three Months Ended June 30, 2026 filing | — |
| Total net revenue margin | 10.27% | Three Months Ended June 30, 2026 filing | — |
| Total net revenue margin - Credit Card | 17.35% | Three Months Ended June 30, 2026 filing | — |
| Total net revenue margin - Domestic Card | 17.44% | Three Months Ended June 30, 2026 filing | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Credit Services — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
COF-PL
this stock
Capital One Financial Corp
|
$125.69B | -13.0% | +36.6% | — | — |
|
V
Visa Inc.
|
$718.45B | +14.2% | -4.9% | — | 1.1% |
|
MA
Mastercard Inc
|
$534.23B | +6.9% | +16.4% | 33.6 | 0.8% |
|
AXP
American Express Co
|
$213.20B | -14.1% | +13.4% | 17.9 | 1.6% |
|
PYPL
PayPal Holdings, Inc.
|
$48.99B | -3.1% | +4.3% | 11.3 | 3.3% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every section- Filed
- Oct 20, 2026
- This year
- 33
Capital One Financial Corporation reported third quarter 2026 net income of $3.5 billion, or $5.61 per diluted common share, compared with $3.0 billion and $4.73 in second quarter 2026. Total net revenue rose 3 percent to $16.3 billion.
ViewPerformance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| COF-PL | -0.4% | +0.7% | -12.9% | +0.7% | -13.0% |
| SPY | -0.1% | +1.3% | +5.6% | +1.3% | +13.3% |
| vs SPY | -0.3% | -0.6% | -18.5% | -0.6% | -26.2% |
Capital returns
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.