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COF

Capital One Financial Corporation

COF

NYSE·Financial Services·Financial - Credit Services·Mkt cap $126.2B

$205.12

+0.15%

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Our plain-language verdict, the thesis, risk factors, and what is changing about the business.

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52-Week Range

$174.24 - $259.64

P/E

71.97

Fwd P/E

10.50

Beta

1.04

Div Yield

1.46%

Avg Vol

4.7M

Shares Out

622.3M

Mkt Cap

$126.2B

Price action

Price chart

Down 6.4% over the trailing year

1W
1M
3M
6M
YTD
1Y
5Y
MAX

Total returns

Price performance

Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.

Why we rate it this way

The thesis at a glance

Bull and bear case · plain-English context across the five lenses we evaluate.

Bull Case

4 reasons

  • Advanced digital banking technology
  • Nationwide branch and digital presence
  • Diversified financial product portfolio
  • Strong risk management capabilities

Bear Case

2 risks

  • Average volatility.
  • Growth premium of 1.0x vs Specialty Finance peers. Reasonable for this growth rate.

Growth

Revenue decline expected

Digital banking expansion

Value

Growth premium of 1.0x vs Specialty Finance peers. Reasonable for this growth rate.

Momentum

Strong

+12.6% over 3m

Quality

Strong

High-growth business (74% revenue growth, 48% gross margin). Profitable with strong growth momentum.

Dividend

Modest

1.46% yield

Earnings track record

Recent earnings results

AI-summarized recap of last quarter, plus the surprise on every print.

Next: Jul 21, 2026

Q2 26 RECAP

APR 21, 2026

Reported EPS of $4.42 vs $4.50 consensus (-1.8% surprise). Revenue of $15.2B vs $15.3B expected (-0.8%).

EPS miss
Revenue miss

EPS surprise · last 4Q

0 of 1 beats

Q2 26

-1.8%

Next: Jul 21, 2026

Revenue trend · last 8Q

+7%

+6%

+32%

+53%

+92%

+44%

Q2 24

Q3 24

Q4 24

Q1 25

Q2 25

Q3 25

Q4 25

Q1 26

$9.5B

$10.0B

$10.2B

$13.4B

$16.4B

$19.7B

$19.6B

$19.3B

Margins · last 8Q

Gross

57.8%

Operating

14.0%

Profit

11.3%

Wall Street consensus

10 analysts · 100% Buy

Live ratings and price targets aggregated across covering analysts.

Buy

10

100%

Hold

0%

Sell

0%

Median Price Target

$255.00

+24.3% vs $205.12

Low $213.00
Median $255.00
High $273.00

Latest: BTIG · Jun 30, 2026

5 analysts covering

vs Industry

How COF stacks vs Financial - Credit Services

Stock metrics vs industry averages. Green = better than industry.

Industry comparison data unavailable for this stock.