Capital One Financial (COF) Stock Overview
Operates as the financial services holding company for the Capital One, National Association, which engages in the provision of various financial products and services in the United States, Canada, and the United Kingdom. More details
| Snowflake Score | |
|---|---|
| Valuation | 3/6 |
| Future Growth | 4/6 |
| Past Performance | 1/6 |
| Financial Health | 6/6 |
| Dividends | 4/6 |
Rewards
Risk Analysis
COF Community Fair Values
Create NarrativeSee what 120 others think this stock is worth. Follow their fair value or set your own to get alerts.
Analyst Price Targets
Capital One Financial Corporation Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$187.23 |
| 52 Week High | US$259.64 |
| 52 Week Low | US$174.98 |
| Beta | 1.05 |
| 1 Month Change | -8.98% |
| 3 Month Change | -8.70% |
| 1 Year Change | 0.16% |
| 3 Year Change | 88.19% |
| 5 Year Change | 17.14% |
| Change since IPO | 3,410.56% |
Recent News & Updates
Recent updates
Narrative Update • Apr 30
COF: Buybacks And Resilient Credit Execution Will Support Future Upside
Analyst price targets for Capital One Financial have edged lower by about $2 to $308, with recent research citing a mix of trimmed sector multiples, slightly more cautious revenue growth assumptions and a lower future P/E, partly balanced by firmer profit margin expectations and at least one upward revision. Analyst Commentary Recent Street research presents a mixed picture for Capital One Financial, with many firms trimming price targets while still highlighting areas where the story could appeal to long term investors.
Narrative Update • Apr 16
COF: Brex Acquisition And Credit Trends Will Shape Post 2025 Risk Reward Profile
Analysts have reduced the price target for Capital One Financial by about $12 per share. This change reflects a series of recent target cuts across Wall Street as they factor in a more uncertain macro backdrop, lower market multiples and mixed views on consumer finance stocks, despite at least one high profile upgrade.Seeking Alpha • Apr 12
Capital One: Discover Drag, Subprime Stress, Hold
Summary Capital One Financial earns a hold rating as integration costs from Discover and Brex acquisitions will depress earnings over the next 12–24 months. COF's transformation into a vertically integrated, closed-loop payments network is strategically significant but faces macro headwinds and minimal valuation upside. Rising consumer delinquencies, a softening labor market, and higher-for-longer rates threaten COF's credit quality and net interest margin. At 1.79x P/TBV and 11.15x P/E, COF trades near peer medians, limiting near-term upside despite operational improvements. Read the full article on Seeking AlphaNarrative Update • Apr 02
COF: Brex Deal And Benign Credit Trends Will Support Future Upside
Analysts have adjusted their price targets on Capital One Financial, with a range of cuts between $7 and $38 alongside some smaller upward revisions. These changes reflect lower sector valuation multiples and a more cautious macro outlook, even as views on credit trends and loan growth remain mixed across recent research.
Narrative Update • Mar 18
COF: Brex Purchase Will Expand Corporate Payments Exposure Despite Policy Overhangs
Capital One Financial's updated analyst price target edges slightly lower as analysts weigh a more uncertain macro backdrop and sector wide multiple compression against still supportive views on card issuers and recent corporate card growth initiatives. Analyst Commentary Recent research around Capital One reflects a more mixed backdrop, with several firms trimming price targets even as they maintain generally constructive views on card issuers as a group.Narrative Update • Mar 04
COF: Brex Acquisition And Benign Credit Trends Will Support Future Upside
Narrative Update on Capital One Financial Analyst price targets for Capital One have been reset modestly lower, with a cluster of recent cuts and fewer raises contributing to a pullback that reflects more tempered expectations for revenue growth, profit margins and future P/E, even as several firms still highlight the stock as a key name they would defend within consumer finance. Analyst Commentary Recent research on Capital One reflects a mixed backdrop for consumer finance, but with pockets of clear support for the stock.Narrative Update • Feb 18
COF: Brex Acquisition Will Strengthen Business Payments Despite Credit And Regulatory Concerns
Analysts have trimmed their aggregate price target on Capital One by a double digit dollar amount. The shift reflects updated views on credit card profitability, regulatory risk around potential rate caps, and expectations for more measured loan and earnings growth across consumer finance, even as some still point to supportive credit trends and steady fundamentals.Narrative Update • Feb 04
COF: Fair Outlook Balances Brex Expansion With Credit And Regulatory Risks
Analysts have adjusted their price targets on Capital One, and our updated fair value estimate now stands at US$231.21 per share. The change is tied to revised assumptions on revenue growth, profit margins, discount rate, and future P/E, as reflected in recent mixed but generally constructive research commentary on consumer finance and card issuers.Narrative Update • Jan 21
COF: Steadier Credit Trends And Higher P E Assumptions Will Drive Upside
Narrative Update Analysts have lifted their implied fair value on Capital One Financial to about US$310 from roughly US$261, citing higher price targets across the Street, expectations for steadier consumer credit trends, and the application of richer P/E multiples to reflect more constructive views on loan growth and returns. Analyst Commentary Recent Street research on Capital One Financial has tilted more positive, with a series of higher price targets clustered around the upcoming Q4 reporting season and 2026 outlook updates.Narrative Update • Jan 06
COF: Capital Return Plans And Credit Trends Will Shape Post 2025 Risk Reward Profile
Narrative Update on Capital One Financial The analyst price target for Capital One Financial has been raised by about US$6 to reflect updated assumptions around fair value, P/E, discount rate, and growth, with analysts pointing to recent target increases supported by loan growth expectations, net interest income momentum, and a relatively constructive credit backdrop in recent research. Analyst Commentary Recent Street research on Capital One Financial highlights a mix of optimism on earnings power and loan growth, paired with ongoing caution around credit risk and sector macro questions.Narrative Update • Dec 18
COF: Capital Return And Credit Normalization Will Shape Post 2025 Return Profile
Analysts have nudged their fair value estimate for Capital One Financial higher to approximately $263.5 from about $260.2 per share, citing modestly stronger profit margin expectations, a slightly lower discount rate, and supportive Street price target increases following robust Q3 results, improved credit performance, and enhanced capital return plans. Analyst Commentary Street Research remains broadly constructive on Capital One, with several firms lifting price targets following recent quarters of stronger profitability and credit performance.Narrative Update • Dec 04
COF: Massive Buybacks And Higher Dividend Will Drive Returns Beyond 2025
Capital One Financial's analyst price target has inched higher to reflect a modestly improved outlook for credit quality, net interest margin, and capital return plans, including up to roughly $16B in share repurchases and higher dividends, as analysts factor in strong recent quarterly results and updated multi year buyback assumptions. Analyst Commentary Recent Street research reflects a predominantly constructive view on Capital One, with multiple upward price target revisions and only modest downward adjustments, as analysts recalibrate models for improving credit trends, higher net interest margin, and a more aggressive capital return trajectory.Narrative Update • Nov 20
COF: Buybacks And Rising Dividend Will Sustain Bullish Sentiment Through 2025
Capital One Financial's analyst price target saw a modest increase overall, with several firms now expecting targets in the $237 to $271 range. Analysts point to strong quarterly performance, robust credit quality, and planned capital returns as key drivers for the upward revisions.Narrative Update • Nov 05
COF: Share Buybacks And Dividend Increase Will Drive Sentiment Higher
Capital One Financial's analyst price target has moved higher, with the fair value estimate increasing slightly from $258.57 to $260.24. Analysts cite robust credit performance, resumption of share buybacks, and resilient net interest margins as supportive factors behind the adjustment.Narrative Update • Oct 22
Analysts Adjust Price Targets for Capital One Amid Strong Results and Share Repurchase Plans
Capital One Financial's analyst price target has increased from $250.70 to $258.57. Analysts cite strong credit performance, higher net interest margins, and the anticipated impact of share repurchase activity following robust quarterly results.Analysis Article • Aug 01
Capital One Financial (NYSE:COF) Will Pay A Dividend Of $0.60
The board of Capital One Financial Corporation ( NYSE:COF ) has announced that it will pay a dividend on the 2nd of...Seeking Alpha • Apr 26
Capital One: Credit Trends Resilient Despite Downside Risks
Summary Capital One Financial shares gained 25% over the past year due to better-than-expected credit costs and optimism around its Discover acquisition. Q1 results were strong, with earnings of $4.06 per share, beating estimates, and a 3% reduction in noninterest expenses. Despite a solid performance, the stock is rated as a hold due to limited upside potential and higher risks associated with credit card lending. Capital One's strong deposit franchise, conservative reserves, and well-capitalized position provide a buffer against economic uncertainties and potential credit quality risks. Read the full article on Seeking AlphaSeeking Alpha • Mar 26
Capital One's Bottom Line Could Expand On Improving Credit Losses
Summary Consumer loan delinquency growth has stabilized, and Capital One is starting to capitalize on the tailwind. COF will likely see increasing margins from lower credit loss expenses as delinquency and charge-off rates normalize in the coming few quarters. Capital One's valuation is attractive relative to its peers as the company's bottom-line growth forecast far exceeds that of its peers. Read the full article on Seeking AlphaSeeking Alpha • Feb 05
Capital One Has The Ability For Returns To Continue
Summary Capital One's strong Q4 2024 results, with $1.1 billion net income and a P/E of 17.5, support continued robust shareholder returns. The company's credit card business requires high provisions for credit losses, but its strong net interest margin comfortably covers this. Capital One maintains a strong liquidity coverage ratio over 150%, with $140 billion in reserves, ensuring depositor confidence and stability. The ongoing merger with Discover Financial Services aims to create a competitive credit card and banking powerhouse, enhancing long-term shareholder value. Read the full article on Seeking AlphaSeeking Alpha • Jan 24
Capital One Q4 Earnings: Encouraging Credit Trends Justify The Stock Rally
Summary Capital One Financial shares have gained 57% over the past year, driven by strong Q4 results and hopes for easier regulatory approval of its Discover acquisition. Encouraging credit trends, including stable delinquencies and manageable charge-offs, have bolstered Capital One's performance, despite rising credit card debt levels. Capital One's robust deposit growth and strong capital position, with a 13.5% CET1 ratio, support its financial stability, though buybacks are limited until the Discover deal completes. Valued at ~12.5x earnings, Capital One shares are fairly priced, with limited upside potential; I maintain a hold rating, expecting performance in line with the market. Read the full article on Seeking AlphaSeeking Alpha • Nov 24
Capital One On Hold, Like Its Pending Buyout Of Discover Financial
Summary Capital One gets its prior hold rating reaffirmed, as uncertainty and potential legal challenges facing its buyout of Discover Financial continue looming. The bank has growth indicators in its card segments, but an uncompetitive profit margin vs peers. Indicators of continued consumer demand and spending should support this bank going into 2025. The dividend yield and growth are not competitive vs peers. Beyond the merger risk, some other risks to consider are Fed decisions impacting interest rates, and rising trends in credit loss allowances. Read the full article on Seeking AlphaSeeking Alpha • Sep 30
Capital One: Upside Potential Remains
Summary I maintain a bullish rating on Capital One due to decelerating consumer loan delinquency rates and improved macroeconomic conditions. The Federal Reserve's aggressive rate cuts could create an additional tailwind. Despite a temporary spike in provisions for credit losses due to Walmart program termination, COF's loan delinquency trends show quarter-over-quarter improvement. Capital One's organic growth is evident with a 5% increase in credit card purchase volume and improved revenue margins, supported by healthier customer credit profiles. Read the full article on Seeking AlphaSeeking Alpha • Aug 27
Capital One: Deep Dive To Discover What's In Your Portfolio (Technical Analysis)
Summary Conduct a deep dive into Capital One Financial Corporation's financials to understand risks and investor sentiment, as highlighted by Avi Gilburt and the Safer Banking Research team. Avoid confirmation bias by seeking comprehensive research and understanding methodologies like Elliott Wave Theory and Fibonacci mathematics. Our analysis suggests a bearish scenario for Capital One, with defined risk levels and potential for lower prices ahead. Implement a robust system like Fibonacci Pinball to manage risk and preserve capital in trading and investing. Read the full article on Seeking AlphaShareholder Returns
| COF | US Consumer Finance | US Market | |
|---|---|---|---|
| 7D | 3.1% | 1.3% | -0.3% |
| 1Y | 0.2% | 7.0% | 26.7% |
Return vs Industry: COF underperformed the US Consumer Finance industry which returned 7% over the past year.
Return vs Market: COF underperformed the US Market which returned 26.7% over the past year.
Price Volatility
| COF volatility | |
|---|---|
| COF Average Weekly Movement | 5.2% |
| Consumer Finance Industry Average Movement | 6.7% |
| Market Average Movement | 7.2% |
| 10% most volatile stocks in US Market | 16.2% |
| 10% least volatile stocks in US Market | 3.2% |
Stable Share Price: COF has not had significant price volatility in the past 3 months compared to the US market.
Volatility Over Time: COF's weekly volatility (5%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1988 | 77,100 | Rich Fairbank | www.capitalone.com |
Capital One Financial Corporation operates as the financial services holding company for the Capital One, National Association, which engages in the provision of various financial products and services in the United States, Canada, and the United Kingdom. It operates through three segments: Credit Card, Consumer Banking, and Commercial Banking. The company accepts checking accounts, money market deposits, negotiable order of withdrawals, savings deposits, time deposits, and sweep accounts.
Capital One Financial Corporation Fundamentals Summary
| COF fundamental statistics | |
|---|---|
| Market cap | US$113.28b |
| Earnings (TTM) | US$2.58b |
| Revenue (TTM) | US$36.31b |
45.2x
P/E Ratio3.2x
P/S RatioIs COF overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| COF income statement (TTM) | |
|---|---|
| Revenue | US$36.31b |
| Cost of Revenue | US$0 |
| Gross Profit | US$36.31b |
| Other Expenses | US$33.73b |
| Earnings | US$2.58b |
Last Reported Earnings
Mar 31, 2026
Next Earnings Date
n/a
| Earnings per share (EPS) | 4.14 |
| Gross Margin | 100.00% |
| Net Profit Margin | 7.10% |
| Debt/Equity Ratio | 48.5% |
How did COF perform over the long term?
See historical performance and comparisonDividends
1.7%
Current Dividend Yield65%
Payout RatioDoes COF pay a reliable dividends?
See COF dividend history and benchmarks| Capital One Financial dividend dates | |
|---|---|
| Ex Dividend Date | May 19 2026 |
| Dividend Pay Date | Jun 01 2026 |
| Days until Ex dividend | 2 days |
| Days until Dividend pay date | 11 days |
Does COF pay a reliable dividends?
See COF dividend history and benchmarksCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/05/20 11:15 |
| End of Day Share Price | 2026/05/20 00:00 |
| Earnings | 2026/03/31 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Capital One Financial Corporation is covered by 47 analysts. 17 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Stephen Biggar | Argus Research Company |
| David George | Baird |
| Terry Ma | Barclays |