Capital One(US:COF) ZACKS·2026-01-16 15:15Core Viewpoint - Capital One (COF) is expected to report quarterly earnings of $4.07 per share, reflecting a 31.7% increase year-over-year, with revenues projected at $15.32 billion, a 50.3% increase compared to the previous year [1]. Earnings Estimates - The consensus EPS estimate has been revised down by 0.1% in the last 30 days, indicating a reassessment by analysts [2]. - Revisions to earnings projections are crucial for predicting investor behavior and short-term stock performance [3]. Revenue Projections - Analysts estimate 'Total net revenue - Commercial Banking' at $1.02 billion, a 7.4% increase year-over-year [5]. - 'Total net revenue - Consumer Banking' is projected at $2.98 billion, suggesting a 39.3% year-over-year increase [5]. - 'Total net revenue - Credit Card - Domestic' is expected to reach $10.83 billion, indicating a 54.8% increase year-over-year [5]. - The overall estimate for 'Total net revenue - Credit Card' is $11.44 billion, reflecting a 55.3% increase from the prior year [6]. Key Financial Metrics - The estimated 'Average Balance - Total interest-earning assets' is $587.76 billion, up from $460.64 billion a year ago [7]. - Analysts predict a 'Net Interest Margin' of 8.3%, compared to 7.0% in the previous year [7]. - The 'Net charge-off rate' is expected to be 3.2%, down from 3.6% reported last year [8]. - The 'Tier 1 Leverage Ratio' is projected at 12.0%, up from 11.6% a year ago [8]. - The 'Net charge-off rate - Credit Card' is expected to be 5.0%, down from 6.0% in the same quarter last year [8]. - For 'Net charge-off rate - Credit Card - International card businesses', the estimate is 5.0%, compared to 5.2% last year [9]. - The 'Total Capital Ratio' is expected to reach 16.7%, up from 16.4% reported in the previous year [9]. Stock Performance - Capital One shares have decreased by 2.4% over the past month, contrasting with a 2% increase in the Zacks S&P 500 composite [9].