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Capital One Financial (COF)

Market Price (2/19/2026): $210.23 | Market Cap: $134.3 Bil
Sector: Financials | Industry: Consumer Finance

Capital One Financial (COF)

Market Price (2/19/2026): $210.23
Market Cap: $134.3 Bil
Sector: Financials
Industry: Consumer Finance

Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

0 Strong revenue growth
Rev Chg LTMRevenue Change % Last Twelve Months (LTM) is 25%		 Expensive valuation multiples
P/EPrice/Earnings or Price/(Net Income) is 95x
1 Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 46%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 43%, CFO LTM is 22 Bil, FCF LTM is 21 Bil		 Yield minus risk free rate is negative
ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is -2.3%
2 Attractive yield
FCF Yield is 16%		 Key risks
COF key risks include [1] significant integration and synergy realization challenges from the complex Discover acquisition, Show more.
3 Low stock price volatility
Vol 12M is 38%		 
4 Megatrend and thematic drivers
Megatrends include Fintech & Digital Payments, AI in Financial Services, and Cybersecurity. Themes include Digital Payments, Show more.		 
0 Strong revenue growth
Rev Chg LTMRevenue Change % Last Twelve Months (LTM) is 25%
1 Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 46%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 43%, CFO LTM is 22 Bil, FCF LTM is 21 Bil
2 Attractive yield
FCF Yield is 16%
3 Low stock price volatility
Vol 12M is 38%
4 Megatrend and thematic drivers
Megatrends include Fintech & Digital Payments, AI in Financial Services, and Cybersecurity. Themes include Digital Payments, Show more.
5 Expensive valuation multiples
P/EPrice/Earnings or Price/(Net Income) is 95x
6 Yield minus risk free rate is negative
ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is -2.3%
7 Key risks
COF key risks include [1] significant integration and synergy realization challenges from the complex Discover acquisition, Show more.

Valuation, Metrics & Events

Price Chart

Why The Stock Moved

Qualitative Assessment

AI Analysis | Feedback

Capital One Financial (COF) stock has lost about 5% since 10/31/2025 because of the following key factors:

Here are the key points explaining Capital One Financial (COF) stock movement since 10/31/2025, resulting in an approximate 5% loss over this period:

1. Weaker-than-Expected Fourth Quarter 2025 Earnings and Elevated Expenses. Capital One reported adjusted earnings per share (EPS) of $3.86 for the fourth quarter of 2025, missing analyst consensus estimates of $4.12 to $4.15 per share. This earnings miss, coupled with non-interest expenses rising by 13% in the fourth quarter, resulted in an efficiency ratio of 60%, higher than the 52.5% analysts had projected, signaling increased expense pressure. This weaker profitability contributed to a negative market reaction, with the stock declining significantly following the January 22, 2026, earnings release.

2. Increased Provisions for Credit Losses. The company faced a notable increase in its provision for credit losses, which rose to $4.1 billion in the fourth quarter of 2025, marking an increase of $1.4 billion from the prior quarter. This rise reflects heightened concerns regarding credit quality and a more cautious outlook on consumer credit performance. Additionally, net charge-offs climbed to $3,833 million, up from $2,884 million a year earlier, further underscoring the deteriorating credit environment.

Show more

Stock Movement Drivers

Fundamental Drivers

The -4.2% change in COF stock from 10/31/2025 to 2/18/2026 was primarily driven by a -20.9% change in the company's Shares Outstanding (Mil).
(LTM values as of)103120252182026Change
Stock Price ($)219.16209.88-4.2%
Change Contribution By: 
Total Revenues ($ Mil)42,78148,23112.7%
P/S Multiple2.62.87.4%
Shares Outstanding (Mil)506639-20.9%
Cumulative Contribution-4.2%

LTM = Last Twelve Months as of date shown

Market Drivers

10/31/2025 to 2/18/2026
ReturnCorrelation
COF-4.2% 
Market (SPY)0.6%53.7%
Sector (XLF)0.4%73.0%

Fundamental Drivers

The -1.7% change in COF stock from 7/31/2025 to 2/18/2026 was primarily driven by a -20.9% change in the company's Shares Outstanding (Mil).
(LTM values as of)73120252182026Change
Stock Price ($)213.60209.88-1.7%
Change Contribution By: 
Total Revenues ($ Mil)42,78148,23112.7%
P/S Multiple2.52.810.1%
Shares Outstanding (Mil)506639-20.9%
Cumulative Contribution-1.7%

LTM = Last Twelve Months as of date shown

Market Drivers

7/31/2025 to 2/18/2026
ReturnCorrelation
COF-1.7% 
Market (SPY)8.9%55.2%
Sector (XLF)0.8%75.4%

Fundamental Drivers

The 4.3% change in COF stock from 1/31/2025 to 2/18/2026 was primarily driven by a 436.4% change in the company's P/E Multiple.
(LTM values as of)13120252182026Change
Stock Price ($)201.14209.884.3%
Change Contribution By: 
Total Revenues ($ Mil)38,45548,23125.4%
Net Income Margin (%)11.3%2.9%-74.1%
P/E Multiple17.794.8436.4%
Shares Outstanding (Mil)383639-40.1%
Cumulative Contribution4.3%

LTM = Last Twelve Months as of date shown

Market Drivers

1/31/2025 to 2/18/2026
ReturnCorrelation
COF4.3% 
Market (SPY)15.0%75.1%
Sector (XLF)3.2%81.0%

Fundamental Drivers

The 85.8% change in COF stock from 1/31/2023 to 2/18/2026 was primarily driven by a 1771.5% change in the company's P/E Multiple.
(LTM values as of)13120232182026Change
Stock Price ($)112.98209.8885.8%
Change Contribution By: 
Total Revenues ($ Mil)33,32848,23144.7%
Net Income Margin (%)25.7%2.9%-88.6%
P/E Multiple5.194.81771.5%
Shares Outstanding (Mil)383639-40.0%
Cumulative Contribution85.8%

LTM = Last Twelve Months as of date shown

Market Drivers

1/31/2023 to 2/18/2026
ReturnCorrelation
COF85.8% 
Market (SPY)75.1%63.0%
Sector (XLF)50.4%75.3%

Return vs. Risk

Price Returns Compared

 202120222023202420252026Total [1]
Returns
COF Return49%-34%44%38%38%-15%130%
Peers Return35%-16%21%45%39%-5%167%
S&P 500 Return27%-19%24%23%16%-0%82%

Monthly Win Rates [3]
COF Win Rate67%42%67%67%67%0% 
Peers Win Rate62%42%52%67%68%10% 
S&P 500 Win Rate75%42%67%75%67%50% 

Max Drawdowns [4]
COF Max Drawdown-1%-38%-7%-5%-15%-15% 
Peers Max Drawdown-3%-27%-11%-3%-17%-7% 
S&P 500 Max Drawdown-1%-25%-1%-2%-15%-1% 

[1] Cumulative total returns since the beginning of 2021
[2] Peers: JPM, BAC, WFC, C, AXP. See COF Returns vs. Peers.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 2/18/2026 (YTD)

How Low Can It Go

Unique KeyEventCOFS&P 500
2022 Inflation Shock2022 Inflation Shock  
2022 Inflation Shock% Loss% Loss-51.8%-25.4%
2022 Inflation Shock% Gain to Breakeven% Gain to Breakeven107.6%34.1%
2022 Inflation ShockTime to BreakevenTime to Breakeven552 days464 days
2020 Covid Pandemic2020 Covid Pandemic  
2020 Covid Pandemic% Loss% Loss-60.4%-33.9%
2020 Covid Pandemic% Gain to Breakeven% Gain to Breakeven152.6%51.3%
2020 Covid PandemicTime to BreakevenTime to Breakeven278 days148 days
2018 Correction2018 Correction  
2018 Correction% Loss% Loss-33.0%-19.8%
2018 Correction% Gain to Breakeven% Gain to Breakeven49.4%24.7%
2018 CorrectionTime to BreakevenTime to Breakeven394 days120 days
2008 Global Financial Crisis2008 Global Financial Crisis  
2008 Global Financial Crisis% Loss% Loss-90.1%-56.8%
2008 Global Financial Crisis% Gain to Breakeven% Gain to Breakeven906.1%131.3%
2008 Global Financial CrisisTime to BreakevenTime to Breakeven1,945 days1,480 days

Compare to JPM, BAC, WFC, C, AXP

In The Past

Capital One Financial's stock fell -51.8% during the 2022 Inflation Shock from a high on 8/13/2021. A -51.8% loss requires a 107.6% gain to breakeven.

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About Capital One Financial (COF)

Capital One Financial Corporation operates as the financial services holding company for the Capital One Bank (USA), National Association; and Capital One, National Association, which provides 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. Its loan products include credit card loans; auto and retail banking loans; and commercial and multifamily real estate, and commercial and industrial loans. The company also offers credit and debit card products; online direct banking services; and treasury management and depository services. It serves consumers, small businesses, and commercial clients through digital channels, branches, cafés, and other distribution channels located in New York, Louisiana, Texas, Maryland, Virginia, New Jersey, and California. Capital One Financial Corporation was founded in 1988 and is headquartered in McLean, Virginia.

AI Analysis | Feedback

The **Discover Financial Services** of major consumer banks.

A hybrid of **American Express's** credit card focus and **Bank of America's** broader consumer banking.

AI Analysis | Feedback

  • Credit Cards: Capital One offers a variety of credit cards, including rewards, cash back, travel, and secured options, for consumers and small businesses.
  • Auto Loans: The company provides financing solutions for new and used vehicle purchases directly to consumers and through its extensive dealer network.
  • Consumer Banking: This includes personal checking accounts, savings accounts, money market accounts, and certificates of deposit (CDs) for individual customers.
  • Commercial Banking: Capital One offers a suite of services for businesses, encompassing commercial loans, treasury management, and business deposit accounts.

AI Analysis | Feedback

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Capital One Financial (symbol: COF) primarily sells its financial products and services to individuals and small to middle-market businesses.

Customer Categories Served by Capital One Financial:

  1. Individuals/Consumers: This is Capital One's largest customer segment, comprising millions of people who utilize their wide range of consumer products. These include various credit cards (e.g., Quicksilver, Venture, Savor), auto loans, personal loans, and consumer banking services such as checking and savings accounts.
  2. Small Businesses: Capital One provides dedicated financial solutions for small business owners. This category includes customers who use business credit cards, business checking accounts, and commercial loans designed to support small enterprise operations and growth.
  3. Commercial and Middle-Market Companies: Through its commercial banking division, Capital One serves larger businesses and institutions. These clients access a suite of specialized services, including corporate lending, treasury management, capital markets solutions, and commercial real estate financing.
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AI Analysis | Feedback

  • Visa (V)
  • Mastercard (MA)
  • Amazon.com (AMZN)
  • Equifax (EFX)
  • TransUnion (TRU)
  • Experian (EXPN)

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Richard Fairbank, Chairman and Chief Executive Officer

Richard Fairbank co-founded Capital One in 1988 with Nigel Morris. He has served as CEO since the company's initial public offering in November 1994 and as Chairman and CEO since February 1995. Fairbank began his career in financial services in 1985, establishing the banking practice at Strategic Planning Associates (now Mercer Management Consulting), where he was a partner. He also served on the board of directors of MasterCard International from 2004 to 2006. Fairbank has sold shares of Capital One stock over the years.

Andrew Young, Chief Financial Officer

Andrew Young has been the Chief Financial Officer at Capital One Financial Corporation since March 2021. He joined Capital One in June 1996 as an Analyst and has held various leadership roles across different divisions within the company. Notably, he served as Senior Vice President, Business Line CFO from April 2018 to February 2021, and simultaneously as CFO of Capital One, National Association from July 2018 to February 2021. Earlier in his career, he was Senior Vice President, Head of Corporate Planning and CFO of Infrastructure from January 2015 to April 2018.

Frank LaPrade, Chief Enterprise Services Officer and Chief of Staff to the Chief Executive Officer

Frank LaPrade has served as Capital One Financial Corporation's Chief Enterprise Services Officer since 2010 and Chief of Staff to the Chief Executive Officer since January 2004. In these roles, he is responsible for managing various enterprise services, including Information Technology, Brand Marketing, Corporate Development, Digital Banking, and Procurement. LaPrade joined Capital One in January 1996 and previously served as the company's Deputy General Counsel, managing litigation, employment, intellectual property, and transactional practice areas. Before joining Capital One, he was a commercial and intellectual property litigator at McGuire Woods.

Sanjiv Yajnik, President of Financial Services

Sanjiv Yajnik has been the President of Financial Services at Capital One Financial Corporation since June 2009.

Kaitlin Haggerty, Chief Human Resources Officer

Kaitlin Haggerty serves as the Chief Human Resources Officer at Capital One Financial Corporation.

AI Analysis | Feedback

The key risks to Capital One Financial (COF) are primarily centered around its recent strategic acquisition, consumer credit quality, and broader macroeconomic factors.

  1. Discover Acquisition and Integration
    The acquisition of Discover Financial Services presents a significant and complex multi-year transition for Capital One. The immediate internal risk lies in the operational and strategic hurdles of integrating Discover's operations. Any missteps during this process could jeopardize the anticipated $2.5 billion in cost and revenue synergies targeted by 2027. Capital One has already reported a substantial net loss in Q2 2025, largely due to one-time acquisition costs. Furthermore, hefty integration costs and increased competitive spending on rewards and technology could undermine projected margin expansion and earnings growth. Regulatory challenges specifically related to the Discover acquisition also pose a risk.
  2. Consumer Credit Stress and Credit Quality
    Capital One's business model is inherently sensitive to the credit cycle, particularly given its historical focus on near-prime and subprime borrowers, a strategy now complemented by Discover's high-balance revolvers. There is a significant risk stemming from rising credit card delinquency rates and net charge-offs, especially if consumer credit stress increases in a weakening economic environment. The company's auto finance segment is also vulnerable to normalizing vehicle prices and elevated interest rates, which could lead to higher losses on existing loan balances.
  3. Macroeconomic Risks
    Capital One faces exposure to a range of macroeconomic risks that can impact its financial performance. These include economic downturns, disruptions in capital markets, reduced consumer and business activity, and fluctuations in interest rates. Such conditions can adversely affect borrowers' ability to service their debt, thereby impacting Capital One's financial results. The company also faces challenges in maintaining adequate funding and liquidity, which could be exacerbated by market volatility and increased competition for deposits.

AI Analysis | Feedback

The rapid growth of Buy Now, Pay Later (BNPL) services and the expansion of digital wallet platforms into direct lending solutions. BNPL companies like Affirm, Klarna, and Afterpay offer interest-free installment payment options at the point of sale, directly competing with traditional credit cards for consumer purchases. This model appeals to consumers seeking alternatives to revolving credit card debt and complex interest calculations, potentially eroding Capital One's transaction volume and interest revenue from its core credit card business. Additionally, major digital wallet providers (e.g., PayPal with "Pay in 4," Apple with Apple Pay Later) are increasingly integrating short-term installment loans and credit offerings directly into their platforms, creating alternative lending channels that bypass traditional credit card networks and issuers, further challenging Capital One's market share in consumer lending.

AI Analysis | Feedback

Capital One Financial (COF) operates in several key financial services sectors. The addressable markets for its main products and services, primarily in the U.S., are substantial:

  • Credit Cards: The U.S. credit card market size was estimated at USD 190 billion in 2024 and is projected to grow to USD 388.4 billion by 2032, with a compound annual growth rate (CAGR) of 9.5% from 2025 to 2032. Another estimate places the market size of the Credit Card Issuing industry in the United States at USD 178.6 billion in 2025. The total revolving credit card debt in the U.S. exceeded USD 1.18 trillion in 2025.
  • Auto Loans: The United States Car Loan Market size is estimated at USD 175.86 billion in 2024 and is expected to reach USD 219.80 billion by 2029, growing at a CAGR of 4.56%. Alternatively, the U.S. auto loan market was reported at USD 676.20 billion in 2025 and is projected to reach USD 870.78 billion by 2030, with a CAGR of 5.19%. The broader Auto Leasing, Loans & Sales Financing industry in the United States had a market size of USD 180.7 billion in 2025. The total outstanding auto loans in the U.S. reached a valuation of USD 1.6 trillion in 2023.
  • Commercial Banking: The U.S. Commercial Banking Market size is estimated at USD 226.44 billion in 2024 and is expected to reach USD 269.28 billion by 2029, growing at a CAGR of over 2%. Another assessment indicates the market size of Commercial Banking in the U.S. is USD 1.6 trillion in 2025. A different report states the U.S. Commercial Banking Market is expected to reach USD 732.5 billion in 2025 and grow to USD 915.45 billion by 2030, reflecting a 4.56% CAGR.
  • Consumer Banking (Retail Banking): The United States retail banking market is valued at USD 0.87 trillion in 2025 and is projected to reach USD 1.08 trillion by 2030, with a CAGR of 4.22% during that period.

AI Analysis | Feedback

Capital One Financial (COF) is expected to drive future revenue growth over the next 2-3 years through several key initiatives and market trends:

  1. Discover Acquisition and Integration: The acquisition of Discover, finalized in May 2025, is a significant catalyst for revenue growth. This strategic move is anticipated to generate substantial cost and network synergies, totaling $2.7 billion by 2027 ($1.5 billion in expense synergies and $1.2 billion in network synergies). The integration is expected to boost Capital One's market share and profitability by creating a leading consumer banking and payments platform with an expanded network of 70 million merchant acceptance points across 200 territories. Additionally, the acquisition introduces new products, such as personal loans, and expands Capital One's offerings through the Discover, PULSE, and Diners Club International networks. The full-quarter impact of the Discover acquisition was already evident in Q3 2025, contributing to a 23% or $2.9 billion increase in revenue compared to Q2 2025.
  2. Growth in Credit Card Business: The credit card segment remains a primary revenue driver, accounting for 76% of total net revenue in Q3 2025, fueled by higher loan balances. Capital One is also expanding its international card business, with average loans held for investment in the U.K. and Canada increasing by 6% and 4% respectively. Analysts project a 10.1% year-over-year increase in total net revenue for the credit card business in Q2 2025, alongside robust consumer spending, indicated by a 39% rise in total purchase volume for credit cards in Q3 2025.
  3. Expansion in Consumer Banking, Particularly Auto Loans and Deposits: The Consumer Banking segment, which contributed 18% of total net revenue in Q3 2025, is experiencing growth driven by auto loans and deposits. Auto loan originations saw a 17% increase in Q3 2025. Analysts forecast a 4.7% year-over-year increase in total net revenue for the Consumer Banking segment in Q2 2025.
  4. Leveraging Technology and Digital Transformation: Capital One continues to invest heavily in its technology and digital transformation strategy. This includes advanced underwriting, modeling, and marketing capabilities through machine learning at scale. These technological advancements are expected to enhance efficiency, drive growth, and create long-term value. Elevated non-interest expenses in 2025 are partly attributed to ongoing investments in technology and infrastructure, underscoring this strategic focus.
  5. New Product Launches and Strategic Partnerships: Capital One consistently introduces new products and engages in strategic partnerships to broaden its customer base and diversify revenue streams. A recent example is the launch of the T-Mobile Visa credit card in November 2025, a partnership aimed at offering T-Mobile customers unique value and benefits, aligning with Capital One's focus on straightforward and easy-to-use products.

AI Analysis | Feedback

Share Repurchases

  • Capital One suspended its share buyback program on March 13, 2020, in response to the COVID-19 pandemic.
  • The company authorized a share repurchase program of up to $5 billion in January 2022, followed by an additional $5 billion authorization in April 2022. As of March 31, 2025, approximately $3.88 billion of this authorization remained.
  • In October 2025, Capital One authorized a new share repurchase program of up to $16 billion, which replaced prior authorizations.

Share Issuance

  • Capital One issued approximately 257 million shares of common stock as part of its $35.3 billion all-stock acquisition of Discover Financial, a transaction announced in February 2024 and completed in May 2025.
  • The company issued 50 million shares of Series J preferred stock on January 28, 2020, and 27 million shares of Series L preferred stock on April 29, 2021.
  • Capital One completed the full redemption of its 500,000 outstanding Series P Depositary Shares, representing a $500 million capital action, on June 30, 2025.

Outbound Investments

  • Capital One acquired Discover Financial Services in an all-stock transaction valued at $35.3 billion, completed in May 2025. This acquisition is expected to significantly enhance its credit card leadership and payment network.
  • In June 2023, Capital One acquired Velocity Black to enhance its delivery of consumer experiences through innovative technology.
  • Other acquisitions during this period include Triple Tree and Lola in October 2021, and Freebird in August 2020.

Interactive Breakdown

Capital One Financial Interactive Breakdown Analysis

Latest Trefis Analyses

TitleDate
0DASHBOARDS 
19-Day Rally Sends Capital One Financial Stock Up 14%12/05/2025
2Capital One Financial Stock Surges 12%, With A 8-Day Winning Spree12/04/2025
3Capital One Financial Stock On Fire: Up 7.8% With 7-Day Winning Streak12/03/2025
4Capital One Financial Stock Surges 7.8%, With A 7-Day Winning Spree12/03/2025
5Capital One Financial Stock 7-Day Winning Spree: Stock Climbs 7.8%12/03/2025
6Capital One Financial Stock 7-Day Winning Spree: Stock Climbs 11%12/03/2025
7With Capital One Financial Stock Surging, Have You Considered The Downside?10/17/2025
8COF Dip Buy Analysis07/10/2025
9Day 10 of Gains Streak for Capital One Financial Stock with 13% Return (vs. 23% YTD) [7/3/2025]07/04/2025
10Day 10 of Gains Streak for Capital One Financial Stock with 13% Return (vs. 23% YTD) [7/2/2025]07/03/2025
11ARTICLES 
12S&P 500 Movers | Winners: LYV, FTNT, SW | Losers: INTC, COF, MRNA01/23/2026
13S&P 500 Stocks Trading At 52-Week High12/24/2025
14Large Cap Stocks Trading At 52-Week High12/24/2025
15Capital One Financial Stock Surges 14%, With A 9-Day Winning Spree12/05/2025
16Capital One Financial Stock Surges 11%, With A 7-Day Winning Spree12/03/2025
Title
0DASHBOARDS
19-Day Rally Sends Capital One Financial Stock Up 14%
2Capital One Financial Stock Surges 12%, With A 8-Day Winning Spree
3Capital One Financial Stock On Fire: Up 7.8% With 7-Day Winning Streak
4Capital One Financial Stock Surges 7.8%, With A 7-Day Winning Spree
5Capital One Financial Stock 7-Day Winning Spree: Stock Climbs 7.8%
6Capital One Financial Stock 7-Day Winning Spree: Stock Climbs 11%
7With Capital One Financial Stock Surging, Have You Considered The Downside?
8COF Dip Buy Analysis
9Day 10 of Gains Streak for Capital One Financial Stock with 13% Return (vs. 23% YTD) [7/3/2025]
10Day 10 of Gains Streak for Capital One Financial Stock with 13% Return (vs. 23% YTD) [7/2/2025]
11ARTICLES
12S&P 500 Movers | Winners: LYV, FTNT, SW | Losers: INTC, COF, MRNA
13S&P 500 Stocks Trading At 52-Week High
14Large Cap Stocks Trading At 52-Week High
15Capital One Financial Stock Surges 14%, With A 9-Day Winning Spree
16Capital One Financial Stock Surges 11%, With A 7-Day Winning Spree

Trade Ideas

Select ideas related to COF.

Unique KeyDateTickerCompanyCategoryTrade Strategy6M Fwd Rtn12M Fwd Rtn12M Max DD
FDS_1302026_Dip_Buyer_FCFYield01302026FDSFactSet Research SystemsDip BuyDB | FCFY OPMDip Buy with High FCF Yield and High Margin
Buying dips for companies with high FCF yield and meaningfully high operating margin		-19.1%-19.1%-23.8%
PFSI_1302026_Dip_Buyer_ValueBuy01302026PFSIPennyMac Financial ServicesDip BuyDB | P/E OPMDip Buy with Low PE and High Margin
Buying dips for companies with tame PE and meaningfully high operating margin		-7.6%-7.6%-9.2%
FIS_1232026_Dip_Buyer_FCFYield01232026FISFidelity National Information ServicesDip BuyDB | FCFY OPMDip Buy with High FCF Yield and High Margin
Buying dips for companies with high FCF yield and meaningfully high operating margin		-22.6%-22.6%-22.6%
MORN_1022026_Dip_Buyer_ValueBuy01022026MORNMorningstarDip BuyDB | P/E OPMDip Buy with Low PE and High Margin
Buying dips for companies with tame PE and meaningfully high operating margin		-23.9%-23.9%-26.8%
ABR_1022026_Short_Squeeze01022026ABRArbor Realty TrustSpecialShort Squeeze PotentialShort Squeeze Potential
Has potential for a short squeeze. High short interest, rising short interest and high debt.		-2.9%-2.9%-6.7%

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Peer Comparisons

Peers to compare with:

Financials

COFJPMBACWFCCAXPMedian
NameCapital .JPMorgan.Bank of .Wells Fa.CitigroupAmerican. 
Mkt Price209.88308.7853.3688.56116.27346.24163.07
Mkt Cap134.1844.6398.4281.8211.6238.6260.2
Rev LTM48,231182,435107,26482,53285,24472,23083,888
Op Inc LTM-------
FCF LTM20,845-147,78261,472-14,218-75,96816,003892
FCF 3Y Avg21,063-58,94034,2449,172-64,79915,04612,109
CFO LTM22,335-147,78261,472-14,218-69,39118,4282,105
CFO 3Y Avg22,259-58,94034,2449,172-58,15317,01213,092

Growth & Margins

COFJPMBACWFCCAXPMedian
NameCapital .JPMorgan.Bank of .Wells Fa.CitigroupAmerican. 
Rev Chg LTM25.4%7.7%8.9%0.2%8.4%9.5%8.6%
Rev Chg 3Y Avg13.4%12.8%5.2%2.9%5.0%11.0%8.1%
Rev Chg Q54.4%7.0%10.8%5.3%9.6%10.5%10.0%
QoQ Delta Rev Chg LTM12.7%1.7%2.6%1.3%2.3%2.6%2.4%
Op Mgn LTM-------
Op Mgn 3Y Avg-------
QoQ Delta Op Mgn LTM-------
CFO/Rev LTM46.3%-81.0%57.3%-17.2%-81.4%25.5%4.1%
CFO/Rev 3Y Avg55.1%-32.5%32.7%11.2%-72.0%25.8%18.5%
FCF/Rev LTM43.2%-81.0%57.3%-17.2%-89.1%22.2%2.5%
FCF/Rev 3Y Avg52.2%-32.5%32.7%11.2%-80.3%22.9%17.0%

Valuation

COFJPMBACWFCCAXPMedian
NameCapital .JPMorgan.Bank of .Wells Fa.CitigroupAmerican. 
Mkt Cap134.1844.6398.4281.8211.6238.6260.2
P/S2.84.63.73.42.53.33.4
P/EBIT-------
P/E94.814.813.413.414.422.014.6
P/CFO6.0-5.76.5-19.8-3.112.91.5
Total Yield2.0%6.8%7.4%9.4%6.9%4.5%6.8%
Dividend Yield0.9%0.0%0.0%1.9%0.0%0.0%0.0%
FCF Yield 3Y Avg28.8%-6.8%10.1%5.6%-46.9%8.2%6.9%
D/E0.40.60.90.81.80.20.7
Net D/E-0.1-0.4-0.7-0.6-1.00.0-0.5

Returns

COFJPMBACWFCCAXPMedian
NameCapital .JPMorgan.Bank of .Wells Fa.CitigroupAmerican. 
1M Rtn-12.2%-1.2%0.7%0.7%-1.0%-5.1%-1.1%
3M Rtn3.7%2.3%3.1%5.7%17.1%0.7%3.4%
6M Rtn-1.9%6.7%11.6%14.5%26.2%12.8%12.2%
12M Rtn4.5%12.6%17.3%12.0%41.0%11.9%12.3%
3Y Rtn97.9%133.1%63.3%101.4%151.0%102.5%101.9%
1M Excs Rtn-11.4%-0.3%1.6%1.5%-0.1%-4.2%-0.2%
3M Excs Rtn-2.8%-0.0%-0.2%2.5%14.3%-5.0%-0.1%
6M Excs Rtn-9.3%0.2%5.9%8.8%18.1%6.6%6.2%
12M Excs Rtn-7.4%1.4%3.7%0.6%28.5%-0.0%1.0%
3Y Excs Rtn22.4%66.8%-6.0%33.1%89.3%32.0%32.6%

Comparison Analyses

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Financials

Segment Financials

Revenue by Segment
$ Mil20242023202220212020
Credit Card25,66922,35518,88017,59918,349
Consumer Banking9,3029,4349,0027,7047,375
Commercial Banking3,5203,5903,3012,9712,814
Other-1,704-1,129-74824955
Total36,78734,25030,43528,52328,593


Net Income by Segment
$ Mil20242023202220212020
Credit Card3,4574,9277,7581,3613,127
Consumer Banking2,2582,2503,6761,3671,799
Commercial Banking6918431,53265621
Other-1,519-660-572-76-14
Dividends and undistributed earnings allocated to participating securities   -20-41
Income (loss) from discontinued operations, net of tax   -313
Issuance cost for redeemed preferred stock   -39-31
Preferred stock dividends   -280-282
Total4,8877,36012,3942,3755,192


Price Behavior

Price Behavior
Market Price$209.88 
Market Cap ($ Bil)134.1 
First Trading Date11/16/1994 
Distance from 52W High-18.6% 
   50 Days200 Days
DMA Price$232.69$216.17
DMA Trendupup
Distance from DMA-9.8%-2.9%
 3M1YR
Volatility32.6%38.2%
Downside Capture106.60141.29
Upside Capture106.01128.19
Correlation (SPY)49.7%75.7%
COF Betas & Captures as of 1/31/2026

 1M2M3M6M1Y3Y
Beta1.511.401.341.381.471.36
Up Beta5.563.581.921.981.531.52
Down Beta2.411.941.511.491.621.46
Up Capture-130%47%104%106%142%176%
Bmk +ve Days11223471142430
Stock +ve Days12274075145400
Down Capture84%68%113%121%120%105%
Bmk -ve Days9192754109321
Stock -ve Days8142150106350

[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
Annualized
Return		Annualized
Volatility		Sharpe
Ratio		Correlation
with COF
COF5.2%38.1%0.21-
Sector ETF (XLF)2.6%19.4%0.0181.0%
Equity (SPY)13.6%19.4%0.5375.7%
Gold (GLD)73.5%25.5%2.13-0.4%
Commodities (DBC)7.9%17.0%0.2823.0%
Real Estate (VNQ)7.1%16.7%0.2450.2%
Bitcoin (BTCUSD)-31.1%44.9%-0.6932.0%

Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 5-Year Data
Annualized
Return		Annualized
Volatility		Sharpe
Ratio		Correlation
with COF
COF14.4%34.9%0.46-
Sector ETF (XLF)12.8%18.7%0.5578.3%
Equity (SPY)13.5%17.0%0.6365.0%
Gold (GLD)21.7%17.1%1.040.9%
Commodities (DBC)10.8%19.0%0.4518.6%
Real Estate (VNQ)4.9%18.8%0.1747.9%
Bitcoin (BTCUSD)8.4%57.2%0.3727.2%

Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 10-Year Data
Annualized
Return		Annualized
Volatility		Sharpe
Ratio		Correlation
with COF
COF15.0%37.0%0.49-
Sector ETF (XLF)14.3%22.2%0.5983.1%
Equity (SPY)15.9%17.9%0.7668.9%
Gold (GLD)15.0%15.6%0.80-4.6%
Commodities (DBC)8.6%17.6%0.4026.6%
Real Estate (VNQ)6.9%20.7%0.3055.2%
Bitcoin (BTCUSD)68.0%66.7%1.0719.6%

Smart multi-asset allocation framework can stack odds in your favor. Learn How

Short Interest

Short Interest: As Of Date1302026
Short Interest: Shares Quantity8.5 Mil
Short Interest: % Change Since 1152026-1.8%
Average Daily Volume6.9 Mil
Days-to-Cover Short Interest1.2 days
Basic Shares Quantity639.0 Mil
Short % of Basic Shares1.3%

Returns Analyses

Earnings Returns History

Expand for More
 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
1/22/2026-7.6%-6.7% 
10/21/20251.5%1.8%-6.4%
7/22/20250.9%-1.7%-1.0%
4/22/20253.7%7.6%9.8%
1/21/20254.0%5.1%6.6%
10/24/20245.2%6.2%22.4%
7/23/20240.6%4.6%-3.5%
4/25/20240.2%-2.8%-5.3%
...
SUMMARY STATS   
# Positive181313
# Negative61110
Median Positive3.2%6.1%9.0%
Median Negative-5.4%-3.2%-4.3%
Max Positive9.2%23.1%22.4%
Max Negative-7.6%-10.8%-8.6%

SEC Filings

Expand for More
Report DateFiling DateFiling
09/30/202511/03/202510-Q
06/30/202507/31/202510-Q
03/31/202505/07/202510-Q
12/31/202402/20/202510-K
09/30/202410/31/202410-Q
06/30/202408/01/202410-Q
03/31/202405/02/202410-Q
12/31/202302/23/202410-K
09/30/202311/02/202310-Q
06/30/202307/27/202310-Q
03/31/202305/05/202310-Q
12/31/202202/24/202310-K
09/30/202211/04/202210-Q
06/30/202207/29/202210-Q
03/31/202205/10/202210-Q
12/31/202102/25/202210-K

Insider Activity

Expand for More
#OwnerTitleHoldingActionFiling DatePriceSharesTransacted
Value		Value of
Held Shares		Form
1Raghu, RaviPres, Software, Intl & Sm BusDirectSell1062026250.0013,4503,362,5007,584,250Form
2Dean, LiaPres, Banking & Prem. ProductsDirectSell1052026244.353,163772,87916,296,190Form
3Karam, CeliaPres, Retail BankDirectSell1052026244.352,064504,33814,996,493Form
4Cooper, Matthew WGeneral Counsel & Corp SecyDirectSell12032025221.542,000443,08020,932,428Form
5Karam, CeliaPres, Retail BankDirectSell12032025218.152,936640,48813,837,909Form

Industry Resources

External Quote Links


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