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Percentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions.
| Analyst | Firm | Questions · challengingPercentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|
| Sanjay Sakhrani | KBW | 14 questions · 7% challenging |
| Moshe Orenbuch | TD Cowen | 14 questions · 0% challenging |
| Terry Ma | Barclays | 13 questions · 0% challenging |
| Ryan Nash | Goldman Sachs | 13 questions · 23% challenging |
| John Pancari | Evercore ISI | 11 questions · 9% challenging |
| Don Fandetti | Wells Fargo | 10 questions · 10% challenging |
| Erika Najarian | UBS | 9 questions · 22% challenging |
| Mihir Bhatia | Bank of America | 9 questions · 0% challenging |
| John Hecht | Jefferies | 7 questions · 0% challenging |
| Rick Shane | JPMorgan | 7 questions · 43% challenging |
| Firm | Analysts | Questions · challengingPercentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|
| TD Cowen | 1 analyst | 14 questions · 0% challenging |
| KBW | 1 analyst | 14 questions · 7% challenging |
| Barclays | 1 analyst | 13 questions · 0% challenging |
| Goldman Sachs | 1 analyst | 13 questions · 23% challenging |
| Evercore ISI | 1 analyst | 11 questions · 9% challenging |
| Wells Fargo | 1 analyst | 10 questions · 10% challenging |
| Bank of America | 1 analyst | 9 questions · 0% challenging |
| UBS | 1 analyst | 9 questions · 22% challenging |
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Calendar quarter Q1 2026Earnings call Apr 21, 2026
FY2026 Q1 in brief
Capital One reported Q1 EPS of $3.34 with revenue up 44% year-over-year on the Discover addition, though excluding Discover, legacy revenue growth was approximately 6.8%.
Newest quarter FY2026 Q3 is part of Pro · see what Pro adds →
GAAP revenue YoY +44.2% → base 8. The base score is anchored to the GAAP revenue YoY band before transcript, EPS, and guidance adjustments.
Sources. Tellvest earnings-call sentiment score for Capital One (COF), FY2026 Q1: 6/10. Scores: Capital One’s public earnings-call transcripts and SEC-reported results — the base band is anchored to reported GAAP revenue growth; transcript, EPS and guidance adjustments are applied separately (documented exceptions apply to a few issuers). Price: COF daily closing prices for the trailing year; dots mark earnings calls, colored by that quarter’s score; the newest quarter’s score is part of Tellvest Pro. How to read a company earnings-call score.
Capital One reported Q1 EPS of $3.34 with revenue up 44% year-over-year on the Discover addition, though excluding Discover, legacy revenue growth was approximately 6.8%. GAAP EPS was depressed by $1.08/share in Discover integration and purchase accounting adjustments, while adjusted EPS reached $4.42. The consumer remained resilient despite a Persian Gulf energy shock, domestic card credit improvement continued with delinquencies better than seasonal, and strong capital return of $2.5 billion in buybacks continued at a 14.4% CET1 ratio.
M&A | Competitive Dynamics | Credit | Margin | Capex Investment | Demand | Macroeconomic | Capital Allocation | |
|---|---|---|---|---|---|---|---|---|
| 2024Q4 | 6 | 3 | 6 | 5 | 1 | 3 | 4 | 1 |
| 2025Q1 | 9 | 5 | 5 | 2 | 4 | 2 | 5 | 1 |
| 2025Q2 | 11 | 4 | 1 | 4 | 3 | 1 | 1 | 2 |
| 2025Q3 | 3 | 6 | 4 | 4 | 2 | 1 | 1 | 1 |
| 2025Q4 | 9 | 4 | 3 | 3 | 3 | 3 | 1 | 1 |
| 2026Q1 | 5 | 1 | 3 | 3 | 2 | 1 | 1 | 3 |
| 2026Q2 | 6 | 2 | 3 | 3 | 2 | 4 | 1 | 5 |
| '24Q4 | '25Q1 | '25Q2 | '25Q3 | '25Q4 | '26Q1 | '26Q2 | |
|---|---|---|---|---|---|---|---|
| M&A | 6 | 9 | 11 | 3 | 9 | 5 | 6 |
| Competitive Dynamics | 3 | 5 | 4 | 6 | 4 | 1 | 2 |
| Credit | 6 | 5 | 1 | 4 | 3 | 3 | 3 |
| Margin | 5 | 2 | 4 | 4 | 3 | 3 | 3 |
| Capex Investment | 1 | 4 | 3 | 2 | 3 | 2 | 2 |
| Demand | 3 | 2 | 1 | 1 | 3 | 1 | 4 |
| Macroeconomic | 4 | 5 | 1 | 1 | 1 | 1 | 1 |
| Capital Allocation | 1 | 1 | 2 | 1 | 1 | 3 | 5 |
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| Quarter | Revenue | Rev YoY | EPS | EPS YoY | Net margin |
|---|---|---|---|---|---|
| FY2024 Q4 | $10.19B | +7.2% | $2.67 | +93.5% | 10.8% |
| FY2025 Q1 | $10.00B | +6.4% | $3.45 | +10.2% | 14.0% |
| FY2025 Q2 | $12.49B | +31.4% | $-8.58 | -721.7% | -34.2% |
| FY2025 Q3 | $15.36B | +53.4% | $4.83 | +9.5% | 20.8% |
| FY2025 Q4 | $15.58B | +52.9% | $3.26 | +22.1% | 13.7% |
| FY2026 Q1Selected | $15.23B | +52.3% | $3.34 | -3.2% | 14.3% |
| FY2026 Q2 | $15.85B | +26.9% | $4.73 | +155.1% | 19.1% |
| FY2026 Q3 | $16.34B | +6.4% | $5.61 | +16.1% | 21.7% |
Management’s own words, often on a non-GAAP, constant-currency, or adjusted basis — so these can differ from the GAAP figures above (e.g. constant-currency revenue growth excludes currency swings).
What COF said about other companies on its FY2026 Q1 call, and what other companies said about COF on their calls covering the same calendar quarter (Q1 2026). Each company's own fiscal quarter is shown next to its name. Extracted verbatim from public transcripts. Mentions from the newest quarter are a Pro feature.
“As Capital One scales its AI initiatives, they are leveraging Snowflake to unify proprietary data, optimize engineering workloads and deliver AI-driven analytics across the enterprise.”
Capital One is scaling AI initiatives on Snowflake, indicating a deepening data/AI investment at the bank.
“Excluding the impacts from the migration of the Capital One debit portfolio, our U.S. debit GDV growth would have been 7%.”
The migration of Capital One's debit portfolio was a drag on Mastercard's reported US debit volume growth this quarter.
“We now fully own the technology that we have built in partnership with Hopper and the Hopper talent we've worked with will join Capital One.”
Capital One in-sourced the Capital One Travel technology it built with Hopper, absorbing Hopper's technology and talent.
“I also want to highlight that we closed our acquisition of Brex shortly after the quarter closed.”
Capital One closed its roughly $4.5 billion acquisition of fintech Brex to accelerate its business-payments strategy.
“we continue to build momentum from the game-changing acquisition of Discover.”
Capital One is integrating its acquisition of Discover, with debit conversion complete and card conversions phasing through early 2027.
| Company | Score | Trend | Rev YoY | Headline |
|---|---|---|---|---|
| COFCapital One | 6 | +44.2% | Consumer remains resilient despite Persian Gulf energy shock | |
| AFRMAffirm Holdings, Inc. | 10 | +32.6% | Affirm posted GAAP revenue up 32.64% year over year in a quarter Max called another one for the record books, with GAAP EPS of $0.30 and operating income swinging to $202.2M from an $8.4M loss a year earlier, evidencing powerful operating leverage (left GAAP EPS YoY undefined given the near-zero prior-year base) | |
| AXPAmerican Express Company | 8 | +10.3% | Record card member spending growth | |
| KLARKlarna Group plc | 8 | +51.3% | Klarna's first quarter of 2026 marked a clean profitability inflection | |
| MAMastercard | 8 | +15.8% | Strong Revenue and Net Income Growth | |
| PYPLPayPal | 5 | +7.2% | PayPal reported Q1 revenue growth of 7% with TPV accelerating to 11%, as the new CEO launched a $1.5 billion cost savings program | |
| SOFISoFi Technologies, Inc. | 9 | +35.8% | SoFi accelerated into 2026, with first-quarter adjusted net revenue up 41% to $1.1 billion, ahead of expectations, and a Rule of 40 score of 72 | |
| SYFSynchrony Financial | 8 | +16.6% | Net interest income grew 4% to $4.6 billion with EPS of $2.27 growing 20% as record Q1 purchase volume was achieved with all five platforms growing or flat | |
| VVisa Inc. | 9 | +17.1% | Record net revenue growth momentum |
Consumer remains resilient despite Persian Gulf energy shock
Affirm posted GAAP revenue up 32.64% year over year in a quarter Max called another one for the record books, with GAAP EPS of $0.30 and operating income swinging to $202.2M from an $8.4M loss a year earlier, evidencing powerful operating leverage (left GAAP EPS YoY undefined given the near-zero prior-year base)
Klarna's first quarter of 2026 marked a clean profitability inflection
| Company | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 |
|---|---|---|---|---|---|---|
| COF | 6 | 5 | 8 | 6 | 6 | 6 |
| AFRM | 9 | 9 | 9 | 10 | 9 | 10 |
| AXP | 9 | 6 | 6 | 9 | 9 | 8 |
| KLAR | No score | No score | No score | 8 | 8 | 8 |
| MA | 8 | 7 | 9 | 9 | 9 | 8 |
| PYPL | 7 | 6 | 9 | 7 | 6 | 5 |
| SOFI | 9 | 10 | 10 | 10 | 10 | 9 |
| SYF | 7 | 4 | 3 | 3 | 5 | 8 |
| V | 8 | 7 | 8 | 8 | 8 | 9 |
PayPal reported Q1 revenue growth of 7% with TPV accelerating to 11%, as the new CEO launched a $1.5 billion cost savings program
SoFi accelerated into 2026, with first-quarter adjusted net revenue up 41% to $1.1 billion, ahead of expectations, and a Rule of 40 score of 72
Net interest income grew 4% to $4.6 billion with EPS of $2.27 growing 20% as record Q1 purchase volume was achieved with all five platforms growing or flat