| COF |
Report |
Operating EPS |
BEAT |
pred ~$4.96 vs. cons $4.82 |
MEDIUM |
| COF |
Report |
Domestic card net charge-off rate |
BEAT |
pred ~4.80% vs. cons 4.90% |
MEDIUM |
| COF |
Report |
Total net revenue |
IN-LINE |
pred ~$15.95B vs. cons $15.80B |
LOW |
| COF |
Guide |
NIM (Q3 2026) |
UNKNOWN |
qualitative structural persistence; no numerical guide vs. cons 8.20% |
LOW |
| COF |
Guide |
Marketing (FY 2026) |
UNKNOWN |
qualitative heavier spending; no numerical guide vs. cons $7.03B |
LOW |
| COF |
Guide |
Post-integration earnings power (mid-2027) |
UNKNOWN |
reiteration expected; period consensus UNVERIFIED |
LOW |
| COF |
Return |
Day-1 residual (stock − beta × S&P 500) |
-1.5% |
— |
LOW |
| COF |
Return |
5-day cumulative residual |
-3.0% (FOLLOW-THROUGH) |
FOLLOW-THROUGH — modest beat without a forward catalyst |
LOW |