COF logo

Capital One Financial CorporationNYSE:COF Stock Report

Market Cap US$141.4b
Share Price
US$215.43
My Fair Value
US$251
14.1% undervalued intrinsic discount
1Y54.4%
7D3.5%
Portfolio Value
​
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Capital One Financial Corporation

NYSE:COF Stock Report

Market Cap: US$141.4b

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

COF fundamental analysis
Snowflake Score
Valuation4/6
Future Growth5/6
Past Performance0/6
Financial Health6/6
Dividends2/6

Rewards

Trading at 23.3% below our estimate of its fair value

Earnings are forecast to grow 57.08% per year

Risk Analysis

Shareholders have been substantially diluted in the past year

Significant insider selling over the past 3 months


COF Community Fair Values

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See what 83 others think this stock is worth. Follow their fair value or set your own to get alerts.

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Capital One Financial

Payments Network Integration And AI Investments Will Unlock Future Potential

Key Takeaways The Discover acquisition enables expanded payments infrastructure, customer base, and cross-selling opportunities, supporting long-term revenue growth and higher fee income. Ongoing investments in technology, analytics, and premium offerings are expected to enhance efficiency, credit management, and market share while supporting future international expansion.
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US$250.70
FV
14.1% undervalued intrinsic discount
40.60%
Revenue growth p.a.
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36users have followed this narrative
15 days ago author updated this narrative
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Capital One Financial

Tariffs And Costs Will Challenge Discover Integration Yet Open Avenues

Key Takeaways Pending tariffs and potential economic downturns may reduce consumer spending and increase credit risks, impacting revenue and provisions for credit losses. Rising marketing expenses and increased regulatory costs could pressure net margins and affect overall profitability with uncertain returns.
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US$160.40
FV
34.3% overvalued intrinsic discount
16.05%
Revenue growth p.a.
0users have liked this narrative
0users have commented on this narrative
1users have followed this narrative
about 1 month ago author updated this narrative
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Capital One Financial Corporation Competitors

Price History & Performance

Summary of share price highs, lows and changes for Capital One Financial
Historical stock prices
Current Share PriceUS$215.43
52 Week HighUS$232.45
52 Week LowUS$131.55
Beta1.17
1 Month Change-0.55%
3 Month Change9.23%
1 Year Change54.36%
3 Year Change91.99%
5 Year Change237.66%
Change since IPO3,939.32%

Recent News & Updates

Capital One Financial (NYSE:COF) Will Pay A Dividend Of $0.60

Aug 01
Capital One Financial (NYSE:COF) Will Pay A Dividend Of $0.60

Recent updates

Capital One Financial (NYSE:COF) Will Pay A Dividend Of $0.60

Aug 01
Capital One Financial (NYSE:COF) Will Pay A Dividend Of $0.60

Capital One: US Consumer Remains Strong

Jun 26

Capital One Financial (NYSE:COF) Is Paying Out A Dividend Of $0.60

May 12
Capital One Financial (NYSE:COF) Is Paying Out A Dividend Of $0.60

Capital One: Credit Trends Resilient Despite Downside Risks

Apr 26

Capital One's Bottom Line Could Expand On Improving Credit Losses

Mar 26

Capital One Financial (NYSE:COF) Has Affirmed Its Dividend Of $0.60

Feb 15
Capital One Financial (NYSE:COF) Has Affirmed Its Dividend Of $0.60

Capital One Has The Ability For Returns To Continue

Feb 05

Capital One Q4 Earnings: Encouraging Credit Trends Justify The Stock Rally

Jan 24

Capital One On Hold, Like Its Pending Buyout Of Discover Financial

Nov 24

Capital One Financial (NYSE:COF) Is Paying Out A Dividend Of $0.60

Nov 07
Capital One Financial (NYSE:COF) Is Paying Out A Dividend Of $0.60

Capital One: Upside Potential Remains

Sep 30

Capital One: Deep Dive To Discover What's In Your Portfolio (Technical Analysis)

Aug 27

Capital One: 30%+ Growth Potential In The Coming Year

Jun 02

Capital One: Less Attractive As Discover Deal Offsets Hopeful Credit Trends (Rating Downgrade)

May 07

The Capital One/Discover Merger: Two Wrongs Don't Make A Right

Mar 08

Capital One + Discover, Does 1 + 1 = 3?

Feb 27

Shareholder Returns

COFUS Consumer FinanceUS Market
7D3.5%5.0%1.6%
1Y54.4%36.1%17.4%

Return vs Industry: COF exceeded the US Consumer Finance industry which returned 36.1% over the past year.

Return vs Market: COF exceeded the US Market which returned 17.4% over the past year.

Price Volatility

Is COF's price volatile compared to industry and market?
COF volatility
COF Average Weekly Movement3.7%
Consumer Finance Industry Average Movement6.5%
Market Average Movement6.4%
10% most volatile stocks in US Market17.3%
10% least volatile stocks in US Market3.1%

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 (4%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
198876,500Rich Fairbankwww.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, and time deposits.

Capital One Financial Corporation Fundamentals Summary

How do Capital One Financial's earnings and revenue compare to its market cap?
COF fundamental statistics
Market capUS$141.38b
Earnings (TTM)-US$273.00m
Revenue (TTM)US$23.77b
5.8x
P/S Ratio
-504.7x
P/E Ratio

Is COF overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
COF income statement (TTM)
RevenueUS$23.77b
Cost of RevenueUS$0
Gross ProfitUS$23.77b
Other ExpensesUS$24.05b
Earnings-US$273.00m

Last Reported Earnings

Jun 30, 2025

Next Earnings Date

n/a

Earnings per share (EPS)-0.43
Gross Margin100.00%
Net Profit Margin-1.15%
Debt/Equity Ratio49.0%

How did COF perform over the long term?

See historical performance and comparison

Dividends

1.1%
Current Dividend Yield
-364%
Payout Ratio

Does COF pay a reliable dividends?

See COF dividend history and benchmarks
When do you need to buy COF by to receive an upcoming dividend?
Capital One Financial dividend dates
Ex Dividend DateAug 15 2025
Dividend Pay DateSep 02 2025
Days until Ex dividend1 day
Days until Dividend pay date17 days

Does COF pay a reliable dividends?

See COF dividend history and benchmarks

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/08/15 21:29
End of Day Share Price 2025/08/15 00:00
Earnings2025/06/30
Annual Earnings2024/12/31

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.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* 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 55 analysts. 18 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Stephen BiggarArgus Research Company
David GeorgeBaird
Terry MaBarclays