Capital One Financial Corp. posted a disappointing earnings per share of $3.34 for Q1 2026, falling short of the expected $4.61, as the company navigates a challenging financial landscape marked by a $425 million settlement and layoffs affecting over 1,100 employees. Despite reporting a net income of $2.2 billion, the stock has declined approximately 22.77% year-to-date, raising investor concerns. In response, Capital One is shifting its focus towards AI and business payments while stabilizing its core operations in credit card services.