| COF |
Report |
Domestic Card NCO Rate |
BEAT |
pred ~4.75% vs. cons 4.90% |
MEDIUM |
| COF |
Report |
Net Interest Margin |
BEAT |
pred ~8.15% vs. cons 8.02% |
MEDIUM |
| COF |
Report |
Adjusted EPS |
IN-LINE |
pred ~$4.85 vs. cons $4.82 |
LOW |
| COF |
Guide |
NIM trajectory (Q3 2026) |
BETTER |
guide ~8.10-8.20% vs. cons 8.02% |
MEDIUM |
| COF |
Guide |
Efficiency ratio / Brex (Q3 2026) |
UNCHANGED |
guide >55%, investment-driven vs. cons ~55.4% |
HIGH |
| COF |
Guide |
Discover integration (qualitative) |
BETTER |
Sept. origination milestone confirmed |
MEDIUM |
| COF |
Guide |
ROTCE / FY earnings power |
UNCHANGED |
reiterate prior language vs. $19.84 FY cons |
HIGH |
| COF |
Return |
Day-1 residual (stock − beta × S&P 500) |
+2.0% |
— |
MEDIUM |
| COF |
Return |
5-day cumulative residual |
+1.5% (STABILIZE) |
STABILIZE — credit beat causes modest H2 estimate nudge; Brex/efficiency ratio caps follow-through; short covering provides a bid but DTC too low for squeeze |
MEDIUM |