Fourth-quarter results released by the finance companies so far reflect a decent performance, with modest rise in earnings and revenues despite low interest rates and soft loan demand.Lower net interest income (NII) was witnessed due to near-zero interest rates and subdued lending scenario. Further, as expected, net interest margin — one of the major indicators of finance companies’ profitability — contracted during the quarter.With the businesses gradually resuming during the quarter and easing of lockdown measures, card usage increased to an extent. Thus, related fees are likely to have increased.On the cost front, rise in operating expenses, fueled by marketing and investments in technology to boost digital offerings, might have impeded bottom-line growth.Per the latest Earnings Preview, overall earnings for the finance sector are projected to grow 10.9% year over year. Notably, it recorded a fall of 11.7% in the prior quarter. Revenues are expected to decline 1.4% from the prior-year quarter.Let’s take a look at four mid-sized finance companies that are scheduled to announce fourth-quarter results tomorrow before market open.American Express Co. AXP is expected to have recorded a decline in both earnings and revenues. The Zacks Consensus Estimate for earnings of $1.26 per share implies a plunge of 37.9% from the year-ago reported number.Similarly, the consensus estimate for sales of $9.4 billion indicates 17.3% fall from the year-ago reported figure. The Zacks Consensus Estimate for discount revenues stands at $5.76 billion, suggesting a 15.6% decline.The chances of American Express beating the Zacks Consensus Estimate are high this time, as it has the right combination of two key ingredients — a positive Earnings ESP and a Zacks Rank #3 (Hold) or higher.You can uncover the best stocks to buy or sell before they’re reported with our Earnings ESP Filter.It has a Zacks Rank #3 and an Earnings ESP of +4.00%. (Read more: AmEx to Report Q4 Earnings: Is a Beat in the Cards?)American Express Company Price and EPS Surprise American Express Company price-eps-surprise | American Express Company QuoteNavient Corporation NAVI is expected to have recorded a decline in revenues, while earnings are likely to have improved in the to-be-reported quarter.The Zacks Consensus Estimate for earnings of 82 cents per share suggests a rise of 22.4% from the prior-year reported number. The consensus estimate for sales of $284.2 indicates a fall of 3.4%.Muted loan growth scenario is expected to have hurt interest income of Navient. The consensus mark for NII of $282 million suggests 4.1% decline from the prior-year quarter. Also, the Zacks Consensus Estimate for total non-interest income is $205 million, implying a fall of 6.4%.It sports a Zacks Rank #1 (Strong Buy) and has an Earnings ESP of -0.82%. You can see the complete list of today’s Zacks #1 Rank stocks here.(Read more: What's in the Offing for Navient in Q4 Earnings?)Navient Corporation Price and EPS Surprise Navient Corporation price-eps-surprise | Navient Corporation QuoteCIT Group CIT is expected to have recorded a decline in earnings. The Zacks Consensus Estimate for earnings of 54 cents per share implies a plunge of 57.5% from the year-ago reported number.Chances of CIT Group beating the estimates are low as well, as it doesn’t have the right combination. It has a Zacks Rank #4 (Sell) and Earnings ESP of +1.85%.CIT Group Inc. Price and EPS Surprise CIT Group Inc. price-eps-surprise | CIT Group Inc. QuoteCapital One’s COF earnings are expected to have witnessed a rise in the to-be-reported quarter, but revenues are projected to have witnessed a decline on a year-over-year basis. The consensus estimate for earnings indicates a rise of 14.5% from the prior-year quarter’s reported number.Nevertheless, the Zacks Consensus Estimate for sales is pegged at $6.90 billion, suggesting a year-over-year decline of 7.1%. The consensus estimate for NII of $5.5 billion for the quarter indicates a marginal decline sequentially. Further, total non-interest income of $1.2 billion is expected to decline 33.3% sequentially.It currently carries a Zacks Rank #3 and has an Earnings ESP of -2.78%. (Read more: What’s in the Cards for Capital One in Q4 Earnings?)Capital One Financial Corporation Price and EPS Surprise Capital One Financial Corporation price-eps-surprise | Capital One Financial Corporation QuoteJust Released: Zacks’ 7 Best Stocks for TodayExperts extracted 7 stocks from the list of 220 Zacks Rank #1 Strong Buys that has beaten the market more than 2X over with a stunning average gain of +24.4% per year.These 7 were selected because of their superior potential for immediate breakout.See these time-sensitive tickers now >>Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Capital One Financial Corporation (COF): Free Stock Analysis Report American Express Company (AXP): Free Stock Analysis Report CIT Group Inc. (CIT): Free Stock Analysis Report Navient Corporation (NAVI): Free Stock Analysis Report To read this article on Zacks.com click here. 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