| Metric | Value ($ M) | Q1 FY26 | Q2 FY25 |
|---|---|---|---|
| Revenue | 2.8K | 14.6% | 49.8% |
| Total Income | 2.8K | 14.6% | 49.8% |
| Expenditure | -1.1K | 274.5% | 113.6% |
| PBT | 3.8K | 41.5% | 164.4% |
| Net Profit | 3.0K | 38.9% | 170.6% |
| OPM | — | ||
| NPM | 100.00% | 9.79pp | |
| EPS | 4.73 | 41.6% | 155.1% |
Capital One Reports Q2 2026 Net Income of $3.0 billion, or $4.73 per share
22 Jul 2026 · 22 Jul, 1:42 am
Summary
Capital One Financial Corporation announced a net income of $3.0 billion, or $4.73 per diluted common share, for the second quarter of 2026. Total net revenue saw a 4 percent increase to $15.9 billion compared to the prior quarter, driven by solid top-line growth. The net interest margin improved to 8.01 percent, up 14 basis points, while loans held for investment grew 2 percent to $457.2 billion. Management noted that the integration of Discover is progressing well.
Key Highlights
- 1
Capital One Financial Corporation reported net income of $3.0 billion, or $4.73 per diluted common share, for the second quarter of 2026.
- 2
Total net revenue increased 4 percent to $15.9 billion in the second quarter of 2026 compared to the first quarter of 2026.
- 3
The net interest margin for the second quarter of 2026 was 8.01 percent, an increase of 14 basis points.
- 4
Period-end loans held for investment increased by $9.4 billion, or 2 percent, to $457.2 billion in Q2 2026.
- 5
The company reported an adjusted net income of $5.81 per diluted common share for the second quarter of 2026.
- 6
Integration of Discover is going well, 14 months into the process, according to management.
Management Comments
Richard D. Fairbank
Our results in the second quarter continue to reflect solid top line growth and strong credit performance. We’re now 14 months into our integration of Discover, and integration is going well.
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