| COF |
Report |
Adjusted EPS |
BEAT |
pred ~$4.95 vs. cons $4.88 |
MEDIUM |
| COF |
Report |
Total Net Revenue |
IN-LINE |
pred ~$15.75B vs. cons $15.70B |
MEDIUM |
| COF |
Report |
Domestic Card Net Charge-off Rate |
BEAT |
pred ~4.6% vs. cons 4.8% |
MEDIUM |
| COF |
Guide |
Net Interest Margin |
BETTER |
guide ~7.95% vs. cons 7.90% (Q3 2026) |
MEDIUM |
| COF |
Guide |
Efficiency Ratio (Brex/Hopper investment spend) |
LOWER |
guide ~55.3% vs. cons 54.8% (FY2026) |
MEDIUM |
| COF |
Guide |
Share Buyback Pace / Capital Return |
BETTER |
guide ~$2.7B vs. cons $2.5B (Q3 2026) |
LOW |
| COF |
Return |
Day-1 residual (stock − beta × S&P 500) |
+1.5% |
— |
MEDIUM |
| COF |
Return |
5-day cumulative residual |
+0.3% (FADE) |
Initial pop from a credit-quality/NCO beat and NIM stabilization (extra-day lift, cash normalizing) likely fades over the week as analysts digest that Q3 2026 remains a tough Discover-driven comp, expense synergies stay back-loaded to 1H27, and Brex/Hopper integration spend plus elevated oil/inflation macro keep out-period EPS revisions guarded — especially given the stock already ran up ~8% into the print, front-loading much of the good-news case. |
MEDIUM |