Capital One Q3 2026 net income $3.5B, EPS $5.61; adjusted EPS $6.69

CAPITAL ONE FINANCIAL CORP

Q3 2026 net income $3.5B, or $5.61/diluted share, vs $3.0B/$4.73 in Q2 2026 and $3.2B/$4.83 in Q3 2025; adjusted EPS $6.69.
Total net revenue rose 3% QoQ to $16.3B; pre-provision earnings up 10% to $7.5B; non-interest expense down 2% to $8.9B.
Provision for credit losses $2.9B, down $73M QoQ, including $3.1B net charge-offs and $225M loan reserve release; NIM 8.41%, up 40 bps.
Adjusting items: $483M acquisition amortization ($0.60 EPS), $338M Discover integration ($0.42), $47M Brex integration ($0.06).
Period-end loans $462.5B, up $5.4B QoQ; deposits $480.7B, down $3.6B; CET1 ratio 13.8%; CEO cites Discover integration synergies.

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