COF · Capital One Financial Corp
$227.34
+3.51 (+1.57%)
At close · Aug 14
Market Cap
$141.47B
Shares
622.29M
Capital One Financial Corp Earnings Call Transcripts
Every quarterly earnings call for Capital One Financial Corp (COF) — the full transcript with speaker labels, the audio replay, AI call highlights and a management-tone score, plus the matching 8-K earnings release and the quarter's 10-Q or 10-K. Investor days and conferences appear here too.
Revenue & result across quarters
Revenue Net income YoY up YoY down artefacts
▲12.5%
$8.80B
$1.69B
'22 Q3
22-10-27
▲11.4%
$9.04B
$1.23B
'22 Q4
23-01-24
▲8.9%
$8.90B
$960.00M
'23 Q1
23-04-27
▲9.5%
$9.01B
$1.43B
'23 Q2
23-07-20
▲6.4%
$9.37B
$1.79B
'23 Q3
23-10-26
▲5.2%
$9.51B
$706.00M
'23 Q4
24-01-25
▲5.6%
$9.40B
$1.28B
'24 Q1
24-04-25
▲5.5%
$9.51B
$597.00M
'24 Q2
24-07-23
▲6.9%
$10.01B
$1.78B
'24 Q3
24-10-24
▲7.2%
$10.19B
$1.10B
'24 Q4
25-01-21
▲6.4%
$10.00B
$1.40B
'25 Q1
25-04-22
▲31.4%
$12.49B
−$4.28B
'25 Q2
25-07-22
▲53.4%
$15.36B
$3.19B
'25 Q3
25-10-21
▲52.9%
$15.58B
$2.13B
'25 Q4
26-01-22
LATEST
▲52.3%
$15.23B
$2.17B
'26 Q1
26-04-21
Earnings call
FY26 · Q2
2026-07-21
Capital One Financial Corp Q2 FY2026 Earnings Call
Confident tone
Domestic Card Growth and Discover Integration
Brex Acquisition and Purchase Accounting
Credit Quality and Charge-Offs
Results not yet reported
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY26 · Q1
2026-04-21
Capital One Financial Corp Q1 FY2026 Earnings Call
Positive tone
Discover integration and synergies
Credit card performance and credit quality
Brex acquisition
Revenue
$15.23B
▲ 52.3% YoY Diluted EPS
$3.34
▼ 3.2% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY25 · Q4
2026-01-22
Capital One Financial Corp Q4 FY2025 Earnings Call
Positive tone
Brex acquisition
Domestic card business
Credit quality
Revenue
$15.58B*
▲ 52.9% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY25 · Q3
2025-10-21
Capital One Financial Corp Q3 FY2025 Earnings Call
Confident tone
Credit quality and allowance
Long-term growth investments and strategy
Net interest margin and revenue
Revenue
$15.36B
▲ 53.4% YoY Diluted EPS
$4.83
▲ 9.5% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY25 · Q2
2025-07-22
Capital One Financial Corp Q2 FY2025 Earnings Call
Confident tone
Discover acquisition integration
Direct-to-merchant and network strategy
Credit card segment and allowance
Revenue
$12.49B
▲ 31.4% YoY Diluted EPS
$-8.58
▼ 721.7% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY25 · Q1
2025-04-22
Capital One Financial Corp Q1 FY2025 Earnings Call
Positive tone
Discover acquisition integration
Marketing and operating expense
Allowance and reserves
Revenue
$10.00B
▲ 6.4% YoY Diluted EPS
$3.45
▲ 10.2% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY24 · Q4
2025-01-21
Capital One Financial Corp Q4 FY2024 Earnings Call
Positive tone
Domestic Card performance
Consumer Banking / Auto
Credit quality and allowance
Revenue
$10.19B*
▲ 7.2% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY24 · Q3
2024-10-24
Capital One Financial Corp Q3 FY2024 Earnings Call
Positive tone
Credit quality and allowance
Domestic Card business performance
CFPB late fee rule
Revenue
$10.01B
▲ 6.9% YoY Diluted EPS
$4.41
▼ 0.9% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY24 · Q2
2024-07-23
Capital One Financial Corp Q2 FY2024 Earnings Call
Positive tone
Marketing and growth investment
Domestic card performance
Allowance and credit reserves
Revenue
$9.51B
▲ 5.5% YoY Diluted EPS
$1.38
▼ 60.8% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY24 · Q1
2024-04-25
Capital One Financial Corp Q1 FY2024 Earnings Call
Positive tone
Tax refund timing impact
Domestic Card growth and credit trends
Marketing and brand investment
Revenue
$9.40B
▲ 5.6% YoY Diluted EPS
$3.13
▲ 35.5% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY23 · Q4
2024-01-25
Capital One Financial Corp Q4 FY2023 Earnings Call
Positive tone
Domestic Card credit stabilization
Card business growth and marketing
Office real estate exposure
Revenue
$9.51B*
▲ 5.2% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY23 · Q3
2023-10-26
Capital One Financial Corp Q3 FY2023 Earnings Call
Revenue
$9.37B
▲ 6.4% YoY Diluted EPS
$4.45
▲ 6% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY23 · Q2
2023-07-20
Capital One Financial Corp Q2 FY2023 Earnings Call
Revenue
$9.01B
▲ 9.5% YoY Diluted EPS
$3.52
▼ 29% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY23 · Q1
2023-04-27
Capital One Financial Corp Q1 FY2023 Earnings Call
Revenue
$8.90B
▲ 8.9% YoY Diluted EPS
$2.31
▼ 58.9% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY22 · Q4
2023-01-24
Capital One Financial Corp Q4 FY2022 Earnings Call
Revenue
$9.04B*
▲ 11.4% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY22 · Q3
2022-10-27
Capital One Financial Corp Q3 FY2022 Earnings Call
Revenue
$8.80B
▲ 12.5% YoY Diluted EPS
$4.20
▼ 38.1% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY22 · Q2
2022-07-21
Capital One Financial Corp Q2 FY2022 Earnings Call
Revenue
$8.23B
▲ 11.6% YoY Diluted EPS
$4.96
▼ 34.9% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY22 · Q1
2022-04-26
Capital One Financial Corp Q1 FY2022 Earnings Call
Revenue
$8.17B
▲ 14.9% YoY Diluted EPS
$5.62
▼ 20.1% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY21 · Q4
2022-01-25
Capital One Financial Corp Q4 FY2021 Earnings Call
Revenue
$8.12B*
▲ 10.6% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY21 · Q3
2021-10-26
Capital One Financial Corp Q3 FY2021 Earnings Call
Revenue
$7.83B
▲ 6.1% YoY Diluted EPS
$6.78
▲ 34% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY21 · Q2
2021-07-22
Capital One Financial Corp Q2 FY2021 Earnings Call
Revenue
$7.37B
▲ 12.5% YoY Diluted EPS
$7.62
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY21 · Q1
2021-04-27
Capital One Financial Corp Q1 FY2021 Earnings Call
Revenue
$7.11B
▼ 1.9% YoY Diluted EPS
$7.03
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY20 · Q4
2021-01-26
Capital One Financial Corp Q4 FY2020 Earnings Call
Revenue
$7.34B*
▼ 1.2% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY20 · Q3
2020-10-22
Capital One Financial Corp Q3 FY2020 Earnings Call
Revenue
$7.38B
▲ 6.1% YoY Diluted EPS
$5.06
▲ 88.1% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY20 · Q2
2020-07-21
Capital One Financial Corp Q2 FY2020 Earnings Call
Revenue
$6.56B
▼ 8% YoY Diluted EPS
$-2.21
▼ 168.2% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY20 · Q1
2020-04-23
Capital One Financial Corp Q1 FY2020 Earnings Call
Revenue
$7.25B
▲ 2.3% YoY Diluted EPS
$-3.10
▼ 208.4% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY19 · Q4
2020-01-21
Capital One Financial Corp Q4 FY2019 Earnings Call
Revenue
$7.43B*
▲ 5.9% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Showing 1–27 of 27 earnings calls
Key facts
CIK
927628
CUSIP
14040H105
13F (30d)
1863 filings
1807 filers
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