Consumer lender Capital One ( COF) reported a 39% gain in fourth-quarter profit.

The credit card company, which is moving into retail banking, earned $390.7 million, or $1.14 a share, compared with $280.3 million, or 97 cents a share, a year earlier.

The lender, meanwhile, provided disappointing earnings guidance for the current year. Capital One says it expect to earn between $7.40 and $7.80 a share in 2007, which will be below the current Thomson Financial consensus estimate of $8.10.

Revenue at Capital One rose 11% to just over $3 billion.

Wall Street was looking for Capital One to earn $1.24 a share on revenue of $3.7 billion.

In after-hours trading, shares fell 80 cents to $75. In regular trading, the stock fell 71 cents.

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