Subtext

Capital One Financial Corporation COF

SectorFinancials
Transcripts70
Date range2007-07-19 – 2025-04-22
Calls charted70

Sentiment timeline

Net Loughran-McDonald sentiment per call (×1000), earliest → latest.

-17-8+0+8+172007 Q12009 Q32012 Q22014 Q32016 Q42019 Q12021 Q22023 Q32007 Q1 · Overall: -0.62007 Q3 · Overall: -4.42007 Q4 · Overall: -6.52008 Q1 · Overall: -8.92008 Q2 · Overall: -9.22008 Q3 · Overall: -3.82008 Q4 · Overall: -14.62009 Q1 · Overall: -9.32009 Q2 · Overall: -3.22009 Q3 · Overall: -1.42009 Q4 · Overall: -4.82010 Q1 · Overall: -2.22010 Q2 · Overall: +1.92010 Q4 · Overall: +4.02011 Q1 · Overall: +7.52011 Q3 · Overall: +5.42011 Q4 · Overall: +9.12012 Q1 · Overall: +6.22012 Q2 · Overall: +2.12012 Q3 · Overall: +5.42012 Q4 · Overall: +3.12013 Q1 · Overall: +10.42013 Q2 · Overall: +13.42013 Q3 · Overall: +8.12013 Q4 · Overall: +1.22014 Q1 · Overall: +4.92014 Q2 · Overall: +6.12014 Q3 · Overall: +3.72014 Q4 · Overall: +7.82015 Q1 · Overall: +5.72015 Q2 · Overall: -1.62015 Q3 · Overall: +4.12015 Q4 · Overall: +0.12016 Q1 · Overall: +2.22016 Q2 · Overall: -0.22016 Q3 · Overall: +1.72016 Q4 · Overall: +2.52017 Q1 · Overall: +0.22017 Q2 · Overall: +0.62017 Q3 · Overall: +5.42017 Q4 · Overall: +0.92018 Q1 · Overall: +4.12018 Q2 · Overall: +5.92018 Q3 · Overall: +9.42018 Q4 · Overall: -0.42019 Q1 · Overall: +5.82019 Q2 · Overall: +6.72019 Q3 · Overall: -1.02019 Q4 · Overall: +5.92020 Q1 · Overall: -10.42020 Q2 · Overall: -7.52020 Q3 · Overall: -9.12020 Q4 · Overall: +7.02021 Q1 · Overall: +9.92021 Q2 · Overall: +14.12021 Q3 · Overall: +9.92021 Q4 · Overall: +9.82022 Q1 · Overall: +3.72022 Q2 · Overall: +3.42022 Q3 · Overall: -0.32022 Q4 · Overall: -1.62023 Q1 · Overall: -10.62023 Q2 · Overall: -4.92023 Q3 · Overall: -1.22023 Q4 · Overall: +5.22024 Q1 · Overall: -2.12024 Q2 · Overall: +1.82024 Q3 · Overall: -2.12024 Q4 · Overall: +6.22025 Q1 · Overall: +6.2
Overall

CEO vs CFO

Average sentiment of each executive's remarks per call. Divergence is a signal.

-24-12+0+12+242007 Q12009 Q32012 Q22014 Q32016 Q42019 Q12021 Q22023 Q32007 Q1 · CEO: +3.02007 Q4 · CEO: -6.52008 Q1 · CEO: -5.22008 Q2 · CEO: -6.42008 Q3 · CEO: -1.42008 Q4 · CEO: -19.22009 Q1 · CEO: -10.82009 Q2 · CEO: -4.32009 Q3 · CEO: -3.82009 Q4 · CEO: -3.22010 Q1 · CEO: +1.02010 Q2 · CEO: +5.02010 Q4 · CEO: +10.72011 Q1 · CEO: +10.12011 Q3 · CEO: +12.72011 Q4 · CEO: +15.62012 Q1 · CEO: +12.62012 Q2 · CEO: +7.62012 Q3 · CEO: +10.62012 Q4 · CEO: +6.22013 Q1 · CEO: +16.12013 Q2 · CEO: +17.32013 Q3 · CEO: +16.32013 Q4 · CEO: +7.72014 Q1 · CEO: +9.52014 Q2 · CEO: +7.22014 Q3 · CEO: +8.12014 Q4 · CEO: +12.82015 Q1 · CEO: +0.02015 Q2 · CEO: +20.62015 Q3 · CEO: +5.82015 Q4 · CEO: +5.02016 Q1 · CEO: +1.62016 Q2 · CEO: +4.32016 Q3 · CEO: +6.92016 Q4 · CEO: +6.62017 Q1 · CEO: +3.62017 Q2 · CEO: +3.52017 Q3 · CEO: +12.42017 Q4 · CEO: +4.12018 Q1 · CEO: +9.82018 Q2 · CEO: +18.52018 Q3 · CEO: +15.22018 Q4 · CEO: +9.32021 Q2 · CEO: +18.92021 Q4 · CEO: +15.52022 Q1 · CEO: +10.82022 Q2 · CEO: +8.92022 Q3 · CEO: +5.02022 Q4 · CEO: +7.52023 Q3 · CEO: +6.82023 Q4 · CEO: +14.32024 Q2 · CEO: +6.72024 Q3 · CEO: +1.72024 Q4 · CEO: +10.72025 Q1 · CEO: +12.52007 Q1 · CFO: -0.22007 Q3 · CFO: -5.92007 Q4 · CFO: +3.02008 Q1 · CFO: -10.62008 Q2 · CFO: -8.32008 Q3 · CFO: -4.12008 Q4 · CFO: -3.62009 Q1 · CFO: -6.32009 Q2 · CFO: +4.22009 Q3 · CFO: +7.92009 Q4 · CFO: -8.02010 Q1 · CFO: +1.82010 Q2 · CFO: +1.52010 Q4 · CFO: -6.22011 Q1 · CFO: +8.02011 Q3 · CFO: +3.52011 Q4 · CFO: +6.92012 Q1 · CFO: +2.42012 Q2 · CFO: -2.52012 Q3 · CFO: +2.42012 Q4 · CFO: +4.52013 Q1 · CFO: +5.72013 Q2 · CFO: +4.72013 Q3 · CFO: -3.92013 Q4 · CFO: -6.72014 Q1 · CFO: +2.12014 Q2 · CFO: +9.22014 Q3 · CFO: -2.12014 Q4 · CFO: +8.02015 Q1 · CFO: +5.22015 Q2 · CFO: -11.32015 Q3 · CFO: -7.42015 Q4 · CFO: -2.22016 Q1 · CFO: +4.22016 Q2 · CFO: +0.02016 Q3 · CFO: -1.52016 Q4 · CFO: -2.92017 Q1 · CFO: -3.82017 Q2 · CFO: -2.32017 Q3 · CFO: -0.82017 Q4 · CFO: -4.42018 Q1 · CFO: -2.72018 Q2 · CFO: -1.12018 Q3 · CFO: +4.62018 Q4 · CFO: -4.92021 Q2 · CFO: +12.52021 Q4 · CFO: +2.52022 Q1 · CFO: -7.02022 Q2 · CFO: -5.32022 Q3 · CFO: -5.52022 Q4 · CFO: -14.32023 Q3 · CFO: -9.12023 Q4 · CFO: -5.32024 Q2 · CFO: -13.52024 Q3 · CFO: -4.62024 Q4 · CFO: +0.02025 Q1 · CFO: -1.2
CEOCFO

Prepared remarks vs Q&A

Scripted tone vs unscripted answers. The gap is information.

-27-13+0+13+272007 Q12009 Q32012 Q22014 Q32016 Q42019 Q12021 Q22023 Q32007 Q1 · Prepared remarks: +0.22007 Q3 · Prepared remarks: -4.22007 Q4 · Prepared remarks: -3.22008 Q1 · Prepared remarks: -5.12008 Q2 · Prepared remarks: -7.02008 Q3 · Prepared remarks: -1.42008 Q4 · Prepared remarks: -15.02009 Q1 · Prepared remarks: -4.12009 Q2 · Prepared remarks: +1.12009 Q3 · Prepared remarks: -0.72009 Q4 · Prepared remarks: -7.12010 Q1 · Prepared remarks: +1.62010 Q2 · Prepared remarks: -1.92010 Q4 · Prepared remarks: +9.52011 Q1 · Prepared remarks: +12.82011 Q3 · Prepared remarks: +13.52011 Q4 · Prepared remarks: +9.72012 Q1 · Prepared remarks: +9.92012 Q2 · Prepared remarks: +6.62012 Q3 · Prepared remarks: +5.62012 Q4 · Prepared remarks: +4.52013 Q1 · Prepared remarks: +16.32013 Q2 · Prepared remarks: +13.62013 Q3 · Prepared remarks: +8.42013 Q4 · Prepared remarks: +4.82014 Q1 · Prepared remarks: +5.72014 Q2 · Prepared remarks: +6.22014 Q3 · Prepared remarks: +5.52014 Q4 · Prepared remarks: +6.62015 Q1 · Prepared remarks: +5.72015 Q2 · Prepared remarks: -2.32015 Q3 · Prepared remarks: +6.02015 Q4 · Prepared remarks: -1.92016 Q1 · Prepared remarks: -3.62016 Q2 · Prepared remarks: -1.22016 Q3 · Prepared remarks: +7.22016 Q4 · Prepared remarks: +0.52017 Q1 · Prepared remarks: +7.32017 Q2 · Prepared remarks: -1.12017 Q3 · Prepared remarks: -0.92017 Q4 · Prepared remarks: -1.72018 Q1 · Prepared remarks: +7.02018 Q2 · Prepared remarks: +12.92018 Q3 · Prepared remarks: +16.42018 Q4 · Prepared remarks: +5.72019 Q1 · Prepared remarks: -5.32019 Q2 · Prepared remarks: -14.12019 Q3 · Prepared remarks: -12.22019 Q4 · Prepared remarks: +3.12020 Q1 · Prepared remarks: -3.82020 Q2 · Prepared remarks: -23.32020 Q3 · Prepared remarks: -1.22020 Q4 · Prepared remarks: +12.52021 Q1 · Prepared remarks: +5.62021 Q2 · Prepared remarks: +1.42021 Q3 · Prepared remarks: +14.32021 Q4 · Prepared remarks: +12.42022 Q1 · Prepared remarks: +3.62022 Q2 · Prepared remarks: +1.72022 Q3 · Prepared remarks: +2.42022 Q4 · Prepared remarks: -1.02023 Q1 · Prepared remarks: -18.72023 Q2 · Prepared remarks: +6.52023 Q3 · Prepared remarks: +5.12023 Q4 · Prepared remarks: +8.62024 Q1 · Prepared remarks: +16.72024 Q2 · Prepared remarks: +2.12024 Q3 · Prepared remarks: +1.92024 Q4 · Prepared remarks: +3.72025 Q1 · Prepared remarks: +4.72007 Q1 · Q&A responses: +3.02007 Q3 · Q&A responses: -4.12007 Q4 · Q&A responses: -6.72008 Q1 · Q&A responses: -11.72008 Q2 · Q&A responses: -7.42008 Q3 · Q&A responses: -2.82008 Q4 · Q&A responses: -11.32009 Q1 · Q&A responses: -11.72009 Q2 · Q&A responses: -4.32009 Q3 · Q&A responses: +0.22009 Q4 · Q&A responses: -1.62010 Q1 · Q&A responses: -2.72010 Q2 · Q&A responses: +7.12010 Q4 · Q&A responses: +2.32011 Q1 · Q&A responses: +7.12011 Q3 · Q&A responses: +3.92011 Q4 · Q&A responses: +2.12012 Q1 · Q&A responses: +3.72012 Q2 · Q&A responses: -1.12012 Q3 · Q&A responses: +5.92012 Q4 · Q&A responses: +3.32013 Q1 · Q&A responses: +7.92013 Q2 · Q&A responses: +12.02013 Q3 · Q&A responses: +8.52013 Q4 · Q&A responses: +1.92014 Q1 · Q&A responses: -2.72014 Q2 · Q&A responses: +7.62014 Q3 · Q&A responses: +3.12014 Q4 · Q&A responses: +8.82015 Q1 · Q&A responses: +15.22015 Q2 · Q&A responses: +4.02015 Q3 · Q&A responses: +5.32015 Q4 · Q&A responses: +5.12016 Q1 · Q&A responses: +5.12016 Q2 · Q&A responses: +3.52016 Q3 · Q&A responses: +0.92016 Q4 · Q&A responses: +5.92017 Q1 · Q&A responses: -0.62017 Q2 · Q&A responses: +3.02017 Q3 · Q&A responses: +12.22017 Q4 · Q&A responses: +3.32018 Q1 · Q&A responses: +6.52018 Q2 · Q&A responses: +6.12018 Q3 · Q&A responses: +10.02018 Q4 · Q&A responses: +2.32019 Q1 · Q&A responses: +8.92019 Q2 · Q&A responses: +13.92019 Q3 · Q&A responses: +3.22019 Q4 · Q&A responses: +9.42020 Q1 · Q&A responses: -10.12020 Q2 · Q&A responses: -2.42020 Q3 · Q&A responses: -10.82020 Q4 · Q&A responses: +9.42021 Q1 · Q&A responses: +11.42021 Q2 · Q&A responses: +15.72021 Q3 · Q&A responses: +14.22021 Q4 · Q&A responses: +12.62022 Q1 · Q&A responses: +5.82022 Q2 · Q&A responses: +6.32022 Q3 · Q&A responses: +0.32022 Q4 · Q&A responses: -0.22023 Q1 · Q&A responses: -3.42023 Q2 · Q&A responses: -4.82023 Q3 · Q&A responses: -0.62023 Q4 · Q&A responses: +6.82024 Q1 · Q&A responses: -1.82024 Q2 · Q&A responses: +2.32024 Q3 · Q&A responses: -1.82024 Q4 · Q&A responses: +8.02025 Q1 · Q&A responses: +9.1
Prepared remarksQ&A responses

Tone vs forward expectations

Management tone next to Wall Street's forward-looking numbers (glopardo): the 12-month forward EPS estimate and the forward P/E per call.

Forward EPS estimate

$1.95$11.56$21.172007 Q12009 Q32012 Q22014 Q32016 Q42019 Q12021 Q22023 Q32014 Q1: $6.932014 Q2: $7.292014 Q3: $7.662014 Q4: $7.692015 Q1: $7.672015 Q2: $7.892015 Q3: $7.652015 Q4: $7.802016 Q1: $7.882016 Q2: $7.872016 Q3: $7.772016 Q4: $7.922017 Q1: $8.132017 Q2: $8.062017 Q3: $8.232017 Q4: $8.652018 Q1: $10.002018 Q2: $10.472018 Q3: $11.322018 Q4: $11.372019 Q1: $11.262019 Q2: $11.572019 Q3: $11.742019 Q4: $11.852020 Q1: $11.802020 Q2: $3.272020 Q3: $4.722020 Q4: $9.162021 Q1: $12.972021 Q2: $17.592021 Q3: $19.402021 Q4: $18.912022 Q1: $19.842022 Q2: $19.802022 Q3: $18.752022 Q4: $15.952023 Q1: $14.552023 Q2: $13.042023 Q3: $13.022023 Q4: $13.802024 Q1: $14.452024 Q2: $14.842024 Q3: $15.192024 Q4: $15.67

Forward P/E

2.3012.7923.272007 Q12009 Q32012 Q22014 Q32016 Q42019 Q12021 Q22023 Q32014 Q1: 10.552014 Q2: 11.202014 Q3: 10.822014 Q4: 10.352015 Q1: 10.642015 Q2: 11.132015 Q3: 10.102015 Q4: 9.792016 Q1: 8.802016 Q2: 8.222016 Q3: 9.082016 Q4: 11.232017 Q1: 11.052017 Q2: 9.932017 Q3: 9.752017 Q4: 10.952018 Q1: 9.722018 Q2: 9.172018 Q3: 8.742018 Q4: 6.572019 Q1: 7.442019 Q2: 7.822019 Q3: 8.002019 Q4: 8.792020 Q1: 3.752020 Q2: 21.822020 Q3: 16.132020 Q4: 10.222021 Q1: 10.152021 Q2: 9.222021 Q3: 8.192021 Q4: 7.792022 Q1: 6.952022 Q2: 5.462022 Q3: 5.372022 Q4: 6.062023 Q1: 6.392023 Q2: 8.612023 Q3: 7.712023 Q4: 9.062024 Q1: 9.732024 Q2: 9.252024 Q3: 9.582024 Q4: 11.13

Divergence watch ⚑

Quarters where tone and the forward EPS estimate moved opposite ways.

  • 2014 Q3 tone ↓ -2.4 fwd EPS ↑ +0.37 Tone cooled even as the forward EPS estimate rose.
  • 2015 Q2 tone ↓ -7.3 fwd EPS ↑ +0.22 Tone cooled even as the forward EPS estimate rose.
  • 2015 Q3 tone ↑ +5.7 fwd EPS ↓ -0.24 Tone rose while the forward EPS estimate was cut.
  • 2015 Q4 tone ↓ -4.0 fwd EPS ↑ +0.15 Tone cooled even as the forward EPS estimate rose.
  • 2017 Q1 tone ↓ -2.3 fwd EPS ↑ +0.21 Tone cooled even as the forward EPS estimate rose.
  • 2017 Q4 tone ↓ -4.6 fwd EPS ↑ +0.42 Tone cooled even as the forward EPS estimate rose.
  • 2019 Q3 tone ↓ -7.7 fwd EPS ↑ +0.17 Tone cooled even as the forward EPS estimate rose.
  • 2020 Q2 tone ↑ +2.9 fwd EPS ↓ -8.53 Tone rose while the forward EPS estimate was cut.
  • 2021 Q3 tone ↓ -4.2 fwd EPS ↑ +1.81 Tone cooled even as the forward EPS estimate rose.
  • 2022 Q1 tone ↓ -6.0 fwd EPS ↑ +0.93 Tone cooled even as the forward EPS estimate rose.
  • 2023 Q2 tone ↑ +5.6 fwd EPS ↓ -1.51 Tone rose while the forward EPS estimate was cut.
  • 2024 Q1 tone ↓ -7.3 fwd EPS ↑ +0.65 Tone cooled even as the forward EPS estimate rose.
  • 2024 Q3 tone ↓ -3.8 fwd EPS ↑ +0.35 Tone cooled even as the forward EPS estimate rose.

Recent transcripts

CallDateSentiment ×1000Fwd EPSFwd P/E
2025 Q12025-04-22+6.2——View →
2024 Q42025-01-21+6.2$15.6711.1View →
2024 Q32024-10-24-2.1$15.199.6View →
2024 Q22024-07-23+1.8$14.849.2View →
2024 Q12024-04-25-2.1$14.459.7View →
2023 Q42024-01-25+5.2$13.809.1View →
2023 Q32023-10-26-1.2$13.027.7View →
2023 Q22023-07-20-4.9$13.048.6View →