Loading…
Loading…
Sentiment · FY2026 Q1
| Analyst | Firm | Questions | ChallengePercentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|---|
| Mihir Bhatia | Bank of America | 12 | 8% |
| Ryan Nash | Goldman Sachs | 11 | 9% |
| Terry Ma | Barclays | 10 | 20% |
| Sanjay Sakhrani | KBW | 9 | 0% |
| Moshe Orenbuch | TD Cowen | 9 | 0% |
| Jeff Adelson | Morgan Stanley | 8 | 0% |
| Rob Wildhack | Autonomous Research | 7 | 0% |
| John Pancari | Evercore ISI | 6 | 0% |
| Rick Shane | JPMorgan | 6 | 17% |
| John Hecht | Jefferies | 6 | 0% |
| Firm | Analysts | Questions | ChallengePercentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|---|
| Bank of America | 1 | 12 | 8% |
| Goldman Sachs | 1 | 11 | 9% |
| Barclays | 1 | 10 | 20% |
| TD Cowen | 1 |
| 9 |
| 0% |
| KBW | 1 | 9 | 0% |
| Morgan Stanley | 1 | 8 | 0% |
| Autonomous Research | 1 | 7 | 0% |
| JPMorgan | 1 | 6 | 17% |
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. Credit performance remained strong with the NCO guide improved to less than 5.5%, and NIM expansion continued at 76 basis points to 15.5%. FY2026 EPS guidance was reiterated at $9.10-$9.50 despite macro uncertainty while a new $6.5 billion buyback authorization signaled capital return acceleration, and the AgenTek commerce and AI positioning advanced as a strategic priority.
Demand | Credit | Competitive Dynamics | Pricing | Product Launch | Capital Allocation | Margin | Regulation Policy | |
|---|---|---|---|---|---|---|---|---|
| 2024Q4 | 6 | 7 | 3 | 7 | 2 | 2 | 3 | 2 |
| 2025Q1 | 7 | 6 | 4 | 3 | 3 | 4 | 1 | |
| 2025Q2 | 9 | 5 | 2 | 3 | 3 | 2 | 2 | 1 |
| 2025Q3 | 6 | 8 | 5 | 3 | 3 | 2 | 1 | 1 |
| 2025Q4 | 7 | 6 | 3 | 2 | 6 | 3 | 1 | |
| 2026Q1 | 6 | 5 | 2 | 3 | 1 |
| '24Q4 | '25Q1 | '25Q2 | '25Q3 | '25Q4 | '26Q1 | |
|---|---|---|---|---|---|---|
| Demand | 6 | 7 | 9 | 6 | 7 | 6 |
| Credit | 7 | 6 | 5 | 8 | 6 | 5 |
| Competitive Dynamics | 3 | 4 | 2 | 5 | 3 | 2 |
| Pricing | 7 | 3 | 3 | 3 | 2 | |
| Product Launch | 2 | 3 | 3 | 3 | 6 | |
| Capital Allocation | 2 | 4 | 2 | 2 | 3 | |
| Margin | 3 | 2 | 1 | 3 | ||
| Regulation Policy | 2 | 1 | 1 | 1 | 1 | 1 |
| Company | Score | Trend | Rev YoY |
|---|---|---|---|
SYF Synchrony Financial | 7 | +16.6% | |
| AXP American Express Company | 8 | +10.3% | |
| COF Capital One | 6 | +44.2% | |
| MA Mastercard | 8 | +15.8% | |
| PYPL PayPal | 5 | +7.2% | |
| V Visa Inc. | 9 | +17.1% |