July 2026 brings 130+ S&P 500 earnings reports, with the peak concentrated in the week of July 13–17. Big banks open the season on July 6, megacap tech reports the week of July 13, and Eli Lilly headlines healthcare on July 23. This is the complete July 2026 earnings calendar — every major ticker, date, time, current price, and what traders need to watch — organized by sector so you can build a watchlist in minutes.
Key numbers to watch
Consensus, prior-quarter or whisper context, and why each line matters.
| Metric | Consensus | Prior / whisper | Why it matters |
|---|---|---|---|
| Total S&P 500 reports | 130+ | — | Peak week July 13–17 |
| Expected beat/miss rate | ~25–30% | — | Surprise frequency |
| Implied volatility | +12–18% | — | Above season average |
| Average post-earnings move | ±3–5% | — | Varies by sector |
Consensus figures are Street estimates as of publish date and shift as analyst revisions land. Live consensus and implied move are on the stock page.
How to use the July 2026 earnings calendar
The July earnings season is front-loaded with financials and healthcare, then pivots to megacap tech mid-month. Use the dates below to build a focused watchlist of 10–20 names with the highest expected dispersion — high short interest, recent estimate revisions, and large implied moves. Big banks (JPM, BAC, WFC, C) on July 14–15 set the tone for credit and net interest margin. Megacap tech (MSFT, GOOGL, META, AAPL) the week of July 13 drives the AI capex narrative. Eli Lilly on July 23 is the GLP-1 print of the quarter.
Healthcare & Financials — July 6 to July 23
Johnson & Johnson (JNJ) — Monday, July 6, 7:00 AM EDT — ~$165. Watch pharma growth, Stelara biosimilar erosion, and medical-device recovery. GLP-1 headwinds remain the swing factor.
UnitedHealth (UNH) — Monday, July 6, 7:00 AM EDT — ~$510. Medical loss ratio and Optum growth (now >50% of revenue) are the two numbers that matter. Q2 is seasonally strong.
Citigroup (C) — Monday, July 6, 7:30 AM EDT — ~$62. NIM compression risk as the market prices Fed cuts. Investment banking recovery is the upside lever.
Merck (MRK) — Tuesday, July 14, 8:00 AM EDT — ~$105. Keytruda sustainability vs. pipeline (PARP inhibitors, bi-specifics). Patent-cliff narrative.
AbbVie (ABBV) — Tuesday, July 14, 8:00 AM EDT — ~$195. Rinvoq/Skyrizi mix is the immunology growth engine; Botox faces biosimilar pressure.
Wells Fargo (WFC) — Tuesday, July 14, 7:00 AM EDT — ~$75. Similar NIM setup to Citi, with better cost-control narrative and buyback support.
Pfizer (PFE) — Wednesday, July 15, 8:00 AM EDT — ~$32. Transition from COVID windfall to Seagen oncology story. Dividend sustainability is the trader's question.
Bank of America (BAC) — Wednesday, July 15, 7:00 AM EDT — ~$38. NIM stability plus wealth-management AUM (Merrill) is the bright spot.
JPMorgan Chase (JPM) — Wednesday, July 15, 7:00 AM EDT — ~$195. The bellwether: NIM, IB fees, card charge-offs as a consumer barometer. Most-watched bank print of the season.
Bristol Myers Squibb (BMY) — Thursday, July 23, 8:00 AM EDT — ~$91. Mature Celgene synergy phase; immunology growth is the upside.
Eli Lilly (LLY) — Thursday, July 23, 8:30 AM EDT — ~$890. The GLP-1 print. Mounjaro/Zepbound trajectory plus margin expansion drives the entire obesity-drug complex. Watch for $950+ on a meaningful beat.
Technology & megacap — July 7 to July 16
Intel (INTC) — Tuesday, July 7, 4:00 PM PDT — ~$44. Foundry roadmap credibility and 7nm yields. Breakout above $55 only on foundry customer wins.
AMD (AMD) — Tuesday, July 7, 4:00 PM PDT — ~$177. Data-center MI300X traction vs. NVIDIA, AI accelerator growth.
NVIDIA (NVDA) — read-through from peer reports. Blackwell ramp and hyperscaler backlog are the binary catalysts. $122 is key support.
Apple (AAPL) — Monday, July 13, 4:00 PM PDT — ~$228. iPhone 16 setup and Services growth (highest-margin segment). $235 = new all-time high territory.
Microsoft (MSFT) — Monday, July 13, 4:00 PM PDT — ~$441. Azure growth re-acceleration from AI workloads, Copilot monetization timing. New highs above $450.
Alphabet/Google (GOOGL) — Monday, July 13, 4:00 PM PDT — ~$177. Search resilience vs. generative AI, Cloud margin expansion, YouTube ad trends.
Meta Platforms (META) — Reels monetization closing the gap to Feed, AI-targeting lift on ad pricing, Reality Labs burn. $495 = new ATH zone.
Tesla (TSLA) — Wednesday, July 15, 4:00 PM PDT — ~$245. Delivery volumes, auto gross margin, and FSD monetization timing. Downside to $200 on guidance cut.
Broadcom (AVGO) — Thursday, July 16, 4:00 PM PDT — ~$158. AI infrastructure pick-and-shovel play; data-center revenue 30%+ growth is the bar.
Communications, industrials & materials — July 13 to July 24
Verizon (VZ) — Thursday, July 24, 7:30 AM EDT — ~$42. Postpaid phone net adds, 5G capex normalization, dividend sustainability (highest yield in the group).
AT&T (T) — Thursday, July 24, 8:00 AM EDT — ~$24. Wireless adds and fiber expansion; dividend is the floor.
Boeing (BA) — Monday, July 13, 6:30 AM CDT — ~$181. 737 MAX production rate (target 50–60/month) and the FCF inflection. Major re-rating possible if FCF turns positive before consensus.
Nucor (NUE) — Tuesday, July 14, 8:00 AM CDT — ~$54. Steel price realization, scrap costs, EV-related demand.
Cleveland-Cliffs (CLF) — Tuesday, July 14, 8:00 AM CDT — ~$18. Iron ore realization and US-domestic sourcing thesis.
Energy & utilities — July 23
Exxon Mobil (XOM) — ~$107. Guyana production ramp (lowest-cost barrels globally), refining margins tied to WTI. Breakout above $110 on a strong print.
Duke Energy (DUK) — Wednesday, July 23, 8:00 AM EDT — ~$103. Rate-base growth, regulatory rate-case outcomes, transmission capex.
NextEra Energy (NEE) — Wednesday, July 23, 8:30 AM EDT — ~$76. FPL Florida growth plus renewables/storage subsidiary. $85+ on energy-storage inflection.
Trader playbook for July 2026 earnings
1. Pre-season (now through July 5): build the watchlist, mark implied moves, identify 3–5 high-conviction names per week.
2. Bank week (July 6–15): the read on NIM, credit, and IB fees sets the tone for the rest of the season. JPM on July 15 is the single most important print.
3. Megacap tech week (July 13–17): MSFT, GOOGL, META cluster on July 13–14 — expect correlated moves on AI capex guides. Position size accordingly.
4. Late-July catalysts (July 23–24): LLY (GLP-1), telcos (yield trade), and integrated energy. These move different baskets — don't lump them.
5. Use defined-risk option structures (verticals, calendars) sized so a two-sigma loss is survivable. Implied vols are running 12–18% above average — selling premium into the print is viable on stocks where you have a directional view.
Use this on Earnings Compass
- Open the July 2026 earnings calendar →Filter by date, sector, or market cap and add tickers to your watchlist.
- Build your July earnings radar →Track implied moves, estimate revisions, and analyst ratings into every report.
- JPMorgan (JPM) stock page →Bellwether bank print on July 15 — consensus, history, and ratings.
- Eli Lilly (LLY) stock page →GLP-1 print of the quarter on July 23.
- Microsoft (MSFT) stock page →Azure and Copilot read on July 13.
Frequently asked questions
- When do companies report earnings in July 2026?
- Q2 2026 earnings season concentrates in July, with peak reporting the week of July 13–17. Big banks (JPM, BAC, WFC, C) report July 14–15. Megacap tech (MSFT, GOOGL, META, AAPL) reports the week of July 13. Eli Lilly headlines healthcare on July 23.
- How many S&P 500 companies report earnings in July 2026?
- Approximately 130+ S&P 500 companies report during July 2026, making it the busiest single month of the Q2 earnings cycle. Surprise rates typically run 25–30% beat or miss, and implied volatility sits 12–18% above the season average.
- What is the biggest stock reporting in July 2026?
- By market cap, Microsoft (July 13), Apple (July 13), Alphabet (July 13), and Eli Lilly (July 23) are the most-watched July 2026 reports. JPMorgan on July 15 is the most important financial print and a key bellwether for the broader market.
- When does JPMorgan (JPM) report earnings in July 2026?
- JPMorgan Chase reports Wednesday, July 15, 2026 at 7:00 AM EDT. The key metrics are net interest income, investment-banking fees, card charge-off trends, and tangible book value growth.
- When does Eli Lilly (LLY) report earnings in July 2026?
- Eli Lilly reports Thursday, July 23, 2026 at 8:30 AM EDT. The focus is Mounjaro/Zepbound (GLP-1) sales trajectory, gross-margin expansion from manufacturing scale, and obesity-market penetration.
- When do Microsoft, Google, and Meta report earnings in July 2026?
- Microsoft (MSFT) and Alphabet (GOOGL) both report Monday, July 13, 2026 after the close (4:00 PM PDT). Apple (AAPL) reports the same evening. Meta Platforms (META) reports later that week. Expect correlated moves on AI capex guidance.
- How should I trade July 2026 earnings?
- Build a watchlist before July 6, focus on names with high implied moves and recent estimate revisions, use defined-risk option structures (verticals, calendars) sized so a two-sigma loss is survivable, and treat JPM (July 15) and the MSFT/GOOGL/META cluster (July 13–14) as the most important macro reads of the season.