COF Latest Quarter's Earnings
Announce Date 01/22/2026
EPS Normalized Actual $3.86 (Miss by $-0.28)
EPS GAAP Actual $3.86 (Miss by $-0.28)
Revenue Actual $19.719B
Revenue Surprise Beat by $19719M
Upcoming Quarter's Earnings
Announce Date 12/31/1969 (Pre-Market)
EPS Normalized Estimate $
EPS GAAP Estimate $
Revenue Estimate $0B
Annual EPS Estimate
Fiscal Period Ending EPS Estimate Forward PE Low High # of Analysts
Dec 2028 20.68 10.77 19.86647 21.14254 1
Dec 2027 20.50333 10.86 19.69675 20.96192 1
Quarterly EPS History
Period EPS Beat / Miss Revenue YoY Beat / Miss
FQ4 2025 (Dec 2025) 4.32 4.32 19.719B 48.32% 19719M
FQ3 2025 (Sep 2025) 9 9 0.053B -25933.96% 53M
FQ2 2025 (Jun 2025) -7.44 -7.44 21.0915B 37.23% 21091.5M
FQ1 2025 (Mar 2025) 3.46 3.46 13.405B 2.34% 13405M
FQ4 2024 (Dec 2024) 2.67 2.67 10.19B -28.87% 10190M
FQ3 2024 (Sep 2024) 4.42 4.42 13.798B 32.12% 13798M
FQ2 2024 (Jun 2024) 1.53 1.53 13.24B 31.93% 13240M
FQ1 2024 (Mar 2024) 3.29 3.29 13.091B 31.99% 13091M
Quarterly Estimates Summary

FQ4 Announce Date

12/31/1969 (Pre-Market)

Consensus EPS Estimates

Consensus Revenue Estimates

0B

Consensus EPS Estimates
Fiscal Period Ending EPS Estimate YoY Growth(%) Low High # of Analysts
FQ4 2028 (Dec 2028) 6.44 -- 6.11951 6.71414 7
FQ3 2028 (Sep 2028) 6.51 -- 5.99199 9.48747 6
FQ2 2028 (Jun 2028) 6.5 -- 5.98278 9.47289 4
FQ1 2028 (Mar 2028) 6.03 -- 5.72991 6.28668 7
FQ4 2027 (Oct 2027) 5.537 -- 5.37212 5.65216 6
FQ3 2027 (Jul 2027) 5.2542 -- 5.09774 5.36348 6
FQ2 2027 (Jun 2027) 5.1884 -- 5.03011 5.32252 7
FQ1 2027 (Mar 2027) 4.0793 -- 3.95485 4.18475 9
FQ4 2026 (Oct 2026) 4.5035 4.07 4.3694 4.59717 9
FQ3 2026 (Jul 2026) 3.996 -125.23 3.87701 4.07911 9
FQ2 2026 (Jun 2026) 3.4475 315.81 3.34233 3.53662 7
Consensus Revenue Estimates
Fiscal Period Ending Revenue Estimate YoY Growth(%) Low High # of Analysts
FQ4 2028 (Dec 2028) 16.94B -- 16.29B 17.49B 5
FQ3 2028 (Sep 2028) 13.71B -- 12.87B 18.54B 3
FQ2 2028 (Jun 2028) 13.44B -- 12.62B 18.17B 5
FQ1 2028 (Mar 2028) 16.29B -- 15.66B 16.82B 5
FQ4 2027 (Oct 2027) 21.92B -- 21.42B 22.27B 6
FQ3 2027 (Jul 2027) 21.13B -- 20.64B 21.47B 6
FQ2 2027 (Jun 2027) 59.09B -- 57.71B 60.27B 7
FQ1 2027 (Mar 2027) 55.81B -- 54.5B 56.92B 7
FQ4 2026 (Oct 2026) 11.59B -70.11 11.33B 11.78B 6
FQ3 2026 (Jul 2026) 11.21B 99.53 10.95B 11.39B 6
FQ2 2026 (Jun 2026) 11.21B -88.22 10.94B 11.43B 10
Quarterly Estimates Revisions

EPS # of Up Revisions

4

EPS # of Down Revisions

4

Revenue # of Up Revisions

6

Revenue # of Down Revisions

3

Consensus EPS Revision Trend
Fiscal Period Ending EPS Estimate YoY Growth Low High # of Analysts
FQ4 2021 (Dec 2021) 0.41 -12.52% 0.39 0.48 20
FQ1 2022 (Mar 2022) 0.59 6.89% 0.55 0.62 15
FQ2 2022 (Jun 2022) 0.70 2.62% 0.61 0.74 15
FQ3 2022 (Sep 2022) 0.68 4.62% 0.65 0.70 15
Consensus Revenue Revision Trend
Fiscal Period Ending EPS Estimate YoY Growth Low High # of Analysts
FQ4 2021 (Dec 2021) 0.41 -12.52% 0.39 0.48 20
FQ1 2022 (Mar 2022) 0.59 6.89% 0.55 0.62 15
FQ2 2022 (Jun 2022) 0.70 2.62% 0.61 0.74 15
FQ3 2022 (Sep 2022) 0.68 4.62% 0.65 0.70 15
Earnings Surprise Summary

EPS # of Beats

7

EPS # of Misses

1

EPS # of in-lines

0

Revenue # of Beats

8

Revenue # of Misses

0

Revenue # of in-lines

0

Earnings Surprise (EPS) - Actual vs Consensus
Earnings Date EPS Estimate EPS Actual Surprise Surprise %
FQ4 2025 (Dec 2025) 4.32 4.32 100%
FQ3 2025 (Sep 2025) 9 9 100%
FQ2 2025 (Jun 2025) -7.44 -7.44 100%
FQ1 2025 (Mar 2025) 3.46 3.46 100%
FQ4 2024 (Dec 2024) 2.67 2.67 100%
FQ3 2024 (Sep 2024) 4.42 4.42 100%
FQ2 2024 (Jun 2024) 1.53 1.53 100%
FQ1 2024 (Mar 2024) 3.29 3.29 100%
Revenue Surprise - Actual vs Consensus
Earnings Date Revenue Estimate Revenue Actual Surprise Surprise %
FQ4 2025 (Dec 2025) $0B $19.72B $19719M 100%
FQ3 2025 (Sep 2025) $0B $0.05B $53M 100%
FQ2 2025 (Jun 2025) $0B $21.09B $21091.5M 100%
FQ1 2025 (Mar 2025) $0B $13.41B $13405M 100%
FQ4 2024 (Dec 2024) $0B $10.19B $10190M 100%
FQ3 2024 (Sep 2024) $0B $13.8B $13798M 100%
FQ2 2024 (Jun 2024) $0B $13.24B $13240M 100%
FQ1 2024 (Mar 2024) $0B $13.09B $13091M 100%
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