| COF |
Report |
Adjusted diluted EPS |
BEAT |
pred ~$4.65 vs. cons $4.53 |
MEDIUM |
| COF |
Report |
Total net revenue |
BEAT |
pred ~$15.90B vs. cons $15.70B |
MEDIUM |
| COF |
Report |
Domestic Card net charge-off rate |
BEAT |
pred ~4.78% vs. cons 4.88% |
MEDIUM |
| COF |
Guide |
Discover total synergy target |
UNCHANGED |
guide ~$2.50B vs. cons $2.50B (mid-2027) |
HIGH |
| COF |
Guide |
Structural net interest margin commentary |
BETTER |
guide ~8.25% vs. cons 8.20% (2H26) |
MEDIUM |
| COF |
Guide |
Full-year marketing investment outlook |
LOWER |
guide ~$7.00B vs. cons $6.70B (FY2026) |
MEDIUM |
| COF |
Return |
Day-1 residual (stock − beta × S&P 500) |
-1.8% |
— |
MEDIUM |
| COF |
Return |
5-day cumulative residual |
-3.5% (FOLLOW-THROUGH) |
A ~2.6% adjusted-EPS beat versus consensus is likely outweighed by a ~$0.30B FY2026 marketing step-up versus consensus, leaving 2027 earnings-power and efficiency assumptions lower despite stable credit and preserved $2.50B Discover synergy framing. |
MEDIUM |