{"id":15516,"date":"2026-04-22T04:06:53","date_gmt":"2026-04-22T04:06:53","guid":{"rendered":"https:\/\/zoominfinancial.com\/?p=15516"},"modified":"2026-04-22T04:06:55","modified_gmt":"2026-04-22T04:06:55","slug":"capital-one-financial-corporation-cof-q1-2026-earnings-call-transcript","status":"publish","type":"post","link":"https:\/\/zoominfinancial.com\/?p=15516","title":{"rendered":"Capital One Financial Corporation (COF) Q1 2026 Earnings Call Transcript"},"content":{"rendered":"<div>\n<header class=\"flex flex-col items-start justify-between\"><\/header>\n<div class=\"relative mb-18 flex items-start justify-between\" data-test-id=\"author-brief\">\n<div class=\"relative z-0 mr-18 flex\">\n<div class=\"flex shrink-0 items-center justify-center relative size-36 rounded-full\" data-test-id=\"user-pic-wrapper\"><\/div>\n<\/div>\n<p><button data-state-text=\"Following\" aria-label=\"Follow SA Transcripts\" class=\"ihjjQ py-8 px-18 ml-auto print:hidden relative inline-flex items-center justify-center select-none hover:no-underline transition-colors motion-reduce:transition-none border-black bg-black text-white hover:bg-black-70 disabled:border-transparent disabled:bg-black-20 dark:border-black-10 dark:bg-black-10 dark:text-black dark:hover:border-black-30 dark:hover:bg-black-30 dark:disabled:bg-black-30 min-h-36 border text-medium-b px-16 py-1 whitespace-nowrap break-words rounded-8 cursor-pointer\" data-test-id=\"follow-button\" type=\"button\"><span class=\"\"><span aria-hidden=\"true\" class=\"wMAFB relative flex justify-center\" data-state-placeholder=\"Following\"><span class=\"absolute\">Follow<\/span><\/span><\/span><\/button><\/div>\n<blockquote class=\"Qozfr w-full border-l-6 border-l-orange-60 bg-black-5 py-18 pl-18 pr-24 text-x-large-2-r dark:bg-black-95 print:break-inside-avoid mb-24 lg:mb-30\" data-test-id=\"transcript-player\">\n<h3 class=\"text-4x-large-b lg:text-2x-large-b mb-8\" data-test-id=\"transcript-title\">Q1: 2026-04-21 Earnings Summary<\/h3>\n<p>EPS of $4.42 <span class=\"text-red-85\">misses by $0.15 <\/span><\/p>\n<p>\u00a0|\u00a0<!-- -->Revenue of <!-- -->$15.23B<!-- --> (52.31% Y\/Y)<!-- --> <span class=\"text-red-85\">misses by $134.10M<\/span><\/p>\n<\/blockquote>\n<div class=\"paywall-full-content R6FbO flex sa-text-content sa-media-content sa-table-content sa-content-helpers print:block mb-32\">\n<div class=\"w-0 grow print:w-auto\">\n<div>\n<div class=\"T2G6W\" data-test-id=\"content-container\">\n<div class=\"transcript-headline\">\n<p data-eci=\"true\">Capital One Financial Corporation (<span class=\"ticker-hover-wrapper\">COF<\/span>) Q1 2026 Earnings Call April 21, 2026 5:00 PM EDT<\/p>\n<\/div>\n<div class=\"transcript-company-participants\">\n<p class=\"transcript-company-participants-title\"><strong>Company Participants<\/strong><\/p>\n<p><span>Jeff Norris &#8211; Senior Vice President of Finance<\/span><br \/><span>Andrew Young &#8211; Chief Financial Officer<\/span><br \/><span>Richard Fairbank &#8211; Founder, Chairman, CEO &amp; President<\/span><\/p>\n<\/p><\/div>\n<div class=\"transcript-other-participants\">\n<p class=\"transcript-other-participants-title\"><strong>Conference Call Participants<\/strong><\/p>\n<p><span>Terry Ma &#8211; Barclays Bank PLC, Research Division<\/span><br \/><span>Sanjay Sakhrani &#8211; Keefe, Bruyette, &amp; Woods, Inc., Research Division<\/span><br \/><span>Ryan Nash &#8211; Goldman Sachs Group, Inc., Research Division<\/span><br \/><span>Moshe Orenbuch &#8211; TD Cowen, Research Division<\/span><br \/><span>L. Erika Penala &#8211; UBS Investment Bank, Research Division<\/span><br \/><span>Donald Fandetti &#8211; Wells Fargo Securities, LLC, Research Division<\/span><br \/><span>Mihir Bhatia &#8211; BofA Securities, Research Division<\/span><br \/><span>John Pancari &#8211; Evercore ISI Institutional Equities, Research Division<\/span><br \/><span>Saul Martinez &#8211; HSBC Global Investment Research<\/span><\/p>\n<\/p><\/div>\n<div class=\"transcript-presentation\">\n<p class=\"transcript-presentation-title\"><strong>Presentation<\/strong><\/p>\n<div class=\"transcript-presentation-section\" seq=\"0\">\n<p class=\"transcript-presentation-section-title\"><span><strong>Operator<\/strong><\/span><\/p>\n<p>Good day, and thank you for standing by. Welcome to the Capital One Q1 2026 Earnings Call. Please be advised that today&#8217;s conference is being recorded. [Operator Instructions] I would now like to hand the conference over to your speaker today, Jeff Norris, Senior Vice President of Finance. Please go ahead.<\/p>\n<\/p><\/div>\n<div class=\"transcript-presentation-section\" seq=\"1\">\n<p class=\"transcript-presentation-section-title\"><span><strong>Jeff Norris<\/strong><\/span><br \/><span><i>Senior Vice President of Finance<\/i><\/span><\/p>\n<p>Thanks very much, Josh, and welcome, everyone. To access the webcast of this call, please go to the Investors section of Capital One&#8217;s website at capitalone.com. A copy of the earnings presentation, press release and financial supplement can also be found in the Investors section of Capital One&#8217;s website at capitalone.com by selecting Financials and then Quarterly Earnings Release. With me this evening are Mr. Richard Fairbank, Capital One&#8217;s Chairman and Chief Executive Officer; and Mr. Andrew Young, Capital One&#8217;s Chief Financial Officer. Rich and Andrew will walk you through the presentation summarizing our first quarter results for 2026. <\/p>\n<p>Please note that this presentation may contain forward-looking statements. Information regarding Capital One&#8217;s financial performance and any forward-looking statements contained in today&#8217;s discussion and the materials speak only as of the particular date<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/div>\n<aside><\/aside>\n<\/div>\n<\/div>\n<\/div>\n<footer class=\"border-t border-share-separator-thin py-18 sm:py-24 print:hidden paywall-full-content\" data-test-id=\"post-footer\"><\/footer>\n<\/div>\n<p>Read the full article <a href=\"https:\/\/seekingalpha.com\/article\/4892598-capital-one-financial-corporation-cof-q1-2026-earnings-call-transcript?source=feed_all_articles\" target=\"_blank\" rel=\"noopener\" rel=\"nofollow\">here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Follow Q1: 2026-04-21 Earnings Summary EPS of $4.42 misses by $0.15 \u00a0|\u00a0Revenue of $15.23B (52.31% Y\/Y) misses by $134.10M Capital One Financial&#8230;<\/p>\n","protected":false},"author":1,"featured_media":15434,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[20],"tags":[],"class_list":{"0":"post-15516","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-news"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Capital One Financial Corporation (COF) Q1 2026 Earnings Call Transcript | ZoomInFinancial<\/title>\n<meta name=\"description\" content=\"FollowQ1: 2026-04-21 Earnings SummaryEPS of $4.42 misses by $0.15 \u00a0|\u00a0Revenue of $15.23B (52.31% Y\/Y) misses by $134.10M Capital One Financial Corporation\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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