Capital One Financial (COF) Expected to Announce Quarterly Earnings on Thursday

Key Points

• Q4 2025 earnings are scheduled after the market close on January 22, with analysts forecasting EPS of $4.07 and revenue of $15.487 billion (the prior quarter reported $5.95 EPS and $15.46 billion in revenue).
• Dividend hike: Capital One raised its quarterly payout to $0.80 ($3.20 annualized) for a 1.4% yield, but the dividend payout ratio is a high 135%, suggesting payouts exceed current earnings.
• Potential headwinds include heavy insider selling (298,895 shares worth ~$67.1M in the last 90 days) and regulatory/legal risks—notably a proposed 10% cap on credit‑card APRs and a roughly $425M settlement—that could pressure margins and future profits.

Capital One Financial (NYSE:COF - Get Free Report) is expected to be posting its Q4 2025 results after the market closes on Thursday, January 22nd. Analysts expect Capital One Financial to post earnings of $4.07 per share and revenue of $15.4870 billion for the quarter. Investors may review the information on the company's upcoming Q4 2025 earning report for the latest details on the call scheduled for Thursday, January 22, 2026 at 5:00 PM ET.

Capital One Financial (NYSE:COF - Get Free Report) last posted its quarterly earnings data on Monday, November 3rd. The financial services provider reported $5.95 earnings per share for the quarter. Capital One Financial had a return on equity of 10.94% and a net margin of 2.24%.The company had revenue of $15.46 billion during the quarter. On average, analysts expect Capital One Financial to post $16 EPS for the current fiscal year and $18 EPS for the next fiscal year.

Capital One Financial Trading Up 1.3%

Capital One Financial stock opened at $234.35 on Thursday. Capital One Financial has a 12 month low of $143.22 and a 12 month high of $259.64. The company has a current ratio of 1.03, a quick ratio of 1.03 and a debt-to-equity ratio of 0.45. The business's fifty day simple moving average is $231.18 and its two-hundred day simple moving average is $222.64. The company has a market capitalization of $148.98 billion, a price-to-earnings ratio of 98.88, a price-to-earnings-growth ratio of 0.53 and a beta of 1.13.

Capital One Financial Increases Dividend

The company also recently disclosed a quarterly dividend, which was paid on Monday, December 1st. Shareholders of record on Monday, November 17th were paid a dividend of $0.80 per share. The ex-dividend date was Monday, November 17th. This represents a $3.20 dividend on an annualized basis and a yield of 1.4%. This is an increase from Capital One Financial's previous quarterly dividend of $0.60. Capital One Financial's dividend payout ratio (DPR) is 135.02%.

Insider Activity at Capital One Financial

In other Capital One Financial news, insider Frank G. LapradeIii sold 17,840 shares of the firm's stock in a transaction that occurred on Thursday, November 13th. The stock was sold at an average price of $222.03, for a total transaction of $3,961,015.20. Following the completion of the transaction, the insider owned 48,315 shares in the company, valued at $10,727,379.45. This trade represents a 26.97% decrease in their position. The transaction was disclosed in a filing with the SEC, which is available through this link. Also, insider Lia Dean sold 3,269 shares of Capital One Financial stock in a transaction on Monday, December 1st. The stock was sold at an average price of $218.15, for a total transaction of $713,132.35. Following the completion of the transaction, the insider directly owned 69,855 shares of the company's stock, valued at $15,238,868.25. The trade was a 4.47% decrease in their ownership of the stock. Additional details regarding this sale are available in the official SEC disclosure. Insiders sold 298,895 shares of company stock valued at $67,111,541 in the last 90 days. 1.26% of the stock is currently owned by insiders.

Institutional Trading of Capital One Financial

Several institutional investors and hedge funds have recently modified their holdings of the stock. Sivia Capital Partners LLC raised its holdings in shares of Capital One Financial by 118.3% during the second quarter. Sivia Capital Partners LLC now owns 3,300 shares of the financial services provider's stock valued at $702,000 after acquiring an additional 1,788 shares during the last quarter. Brighton Jones LLC boosted its stake in shares of Capital One Financial by 330.1% in the fourth quarter. Brighton Jones LLC now owns 13,587 shares of the financial services provider's stock worth $2,423,000 after acquiring an additional 10,428 shares during the last quarter. PFG Advisors purchased a new stake in shares of Capital One Financial during the third quarter worth approximately $237,000. Redwood Financial Network Corp acquired a new position in Capital One Financial in the 2nd quarter valued at $228,000. Finally, McIlrath & Eck LLC raised its stake in Capital One Financial by 220.9% in the 2nd quarter. McIlrath & Eck LLC now owns 889 shares of the financial services provider's stock valued at $189,000 after purchasing an additional 612 shares during the last quarter. Institutional investors own 89.84% of the company's stock.

Capital One Financial News Roundup

Here are the key news stories impacting Capital One Financial this week:

• Positive Sentiment: JPMorgan raised its price target on COF to $256, providing institutional validation and supporting upside expectations for the stock. Read More.
• Positive Sentiment: Unusually high call‑option volume on COF suggests speculative and institutional buyers are positioning for a rebound, which can amplify intraday upside. Read More.
• Positive Sentiment: Several analysts and outlets have reiterated buy/strong‑buy views and framed the recent pullback as a long‑term opportunity, supporting demand from value and momentum investors. Read More.
• Neutral Sentiment: “Buy the dip” commentary from options- and data‑focused pieces argues the swing lower may be a tactical entry for long‑term holders, but these are opinion pieces rather than new fundamentals. Read More.
• Negative Sentiment: Industry executives and bank chiefs are warning that President Trump’s proposed 10% cap on credit‑card APRs would sharply compress credit-card income, potentially reducing lending and hurting banks’ net interest margins — a direct threat to Capital One’s core business model. Read More.
• Negative Sentiment: Multiple reports and CEO/CFO comments say the cap could freeze lending, lower card account counts and materially reduce future profits for card-heavy lenders like COF, increasing regulatory uncertainty and stock volatility. Read More.
• Negative Sentiment: Capital One will pay roughly $425M in a settlement related to 360 Savings accounts, which is an immediate cash cost and reminder of legacy‑retail/legal risks that can pressure sentiment. Read More.
• Negative Sentiment: Market commentary positions consumer‑credit lenders as vulnerable in the current political/regulatory backdrop (rotating flow into defensive sectors); that narrative increases downside risk until regulatory clarity arrives. Read More.

Analyst Ratings Changes

COF has been the subject of several analyst reports. Deutsche Bank Aktiengesellschaft raised their price target on shares of Capital One Financial from $240.00 to $263.00 and gave the company a "hold" rating in a research report on Wednesday, December 17th. Wells Fargo & Company upped their price target on Capital One Financial from $265.00 to $280.00 and gave the company an "overweight" rating in a report on Monday, January 5th. Robert W. Baird lifted their price objective on Capital One Financial from $245.00 to $270.00 and gave the stock an "outperform" rating in a report on Wednesday, October 22nd. Citigroup upped their target price on shares of Capital One Financial from $290.00 to $310.00 and gave the company a "buy" rating in a research note on Wednesday, December 31st. Finally, TD Cowen lifted their price target on shares of Capital One Financial from $261.00 to $290.00 and gave the stock a "buy" rating in a research note on Thursday, January 8th. Three equities research analysts have rated the stock with a Strong Buy rating, seventeen have assigned a Buy rating and six have assigned a Hold rating to the stock. According to MarketBeat.com, Capital One Financial has an average rating of "Moderate Buy" and an average target price of $278.20.

About Capital One Financial

Capital One Financial Corporation NYSE: COF is a diversified bank holding company headquartered in McLean, Virginia. The company's core businesses include credit card lending, consumer and commercial banking, and auto finance. Capital One issues a wide range of credit card products for consumers and small businesses, and it operates deposit and digital banking services aimed at retail customers and small to midsize enterprises.

Products and services include credit and charge cards, checking and savings accounts (including the online-focused Capital One 360 platform), auto loans, and commercial lending solutions.

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