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Capital One Financial (COF)

Market Price (7/10/2026): $199.51 | Market Cap: $124.2 BilInvestor Relations Sector: Financials | Industry: Consumer Finance

Capital One Financial (COF)

Market Price (7/10/2026): $199.51
Market Cap: $124.2 Bil
Sector: Financials
Industry: Consumer Finance

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

Cash is significant % of market cap
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -22%

Strong revenue growth
Rev Chg LTMRevenue Change % Last Twelve Months (LTM) is 48%

Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 50%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 47%, CFO LTM is 29 Bil, FCF LTM is 27 Bil

Valuation becoming less expensive
P/S 6M Chg %Price/Sales change over 6 months. Declining P/S indicates valuation has become less expensive. is -26%

Attractive yield
FCF Yield is 22%

Stock buyback support
Stock Buyback 3Y Total is 8.6 Bil

Low stock price volatility
Vol 12M is 32%

Megatrend and thematic drivers
Megatrends include Fintech & Digital Payments, AI in Financial Services, and Cybersecurity. Themes include Digital Payments, Show more.

Expensive valuation multiples
P/EPrice/Earnings or Price/(Net Income) is 39x

Key risks
COF key risks include [1] significant integration and synergy realization challenges from the complex Discover acquisition, Show more.

0	Cash is significant % of market cap Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -22%
1	Strong revenue growth Rev Chg LTMRevenue Change % Last Twelve Months (LTM) is 48%
2	Attractive cash flow generation CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 50%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 47%, CFO LTM is 29 Bil, FCF LTM is 27 Bil
3	Valuation becoming less expensive P/S 6M Chg %Price/Sales change over 6 months. Declining P/S indicates valuation has become less expensive. is -26%
4	Attractive yield FCF Yield is 22%
5	Stock buyback support Stock Buyback 3Y Total is 8.6 Bil
6	Low stock price volatility Vol 12M is 32%
7	Megatrend and thematic drivers Megatrends include Fintech & Digital Payments, AI in Financial Services, and Cybersecurity. Themes include Digital Payments, Show more.
8	Expensive valuation multiples P/EPrice/Earnings or Price/(Net Income) is 39x
9	Key risks COF key risks include [1] significant integration and synergy realization challenges from the complex Discover acquisition, Show more.

COF in ETFs

Weight = COF's share of each fund

SPY0.20%

VOO0.18%

IVV0.20%

VTI0.16%

ITOT0.18%

IWB0.18%

RSP0.22%

VTV0.45%

+25 more covered ETFs

Valuation & Metrics

FYE: 12/31	Forward FYE		Now	Historical (CYE & TTM)
	2027	2026	7/10/26	2025	2024	2023	2022
Share Price			$199.51	$242.36	$178.32	$131.12	$92.96
Mkt Cap ($ Bil)			124.2	153.2	68.2	50.0	35.6
+ Debt ($ Bil)			51.3	50.4	45.0	49.3	47.8
- Cash ($ Bil)			78.7	61.7	126.2	122.4	107.8
TEV ($ Bil)			96.7	203.6	113.2	99.3	83.4
Valuation Ratios
P/S	1.8	1.9	2.1	2.9	1.7	1.4	1.0
P/EBIT	9.2	9.8	-	-	-	-	-
P/E	9.5	11.8	38.5	62.5	14.4	10.2	4.8
P/FCF	—	—	4.6	5.9	4.0	2.6	2.8
Sector Ratios (* = sector average)
P/S *			3.4	3.1	3.1	2.8	2.8
P/EBIT *			7.3	7.6	8.3	7.5	7.1
P/E *			12.0	11.0	11.6	10.1	9.4
P/FCF *			9.3	9.0	9.2	8.0	6.6

FYE: 12/31	Forward FYE		Now
	2027	2026	7/10/26
Share Price			$199.51
Mkt Cap ($ Bil)			124.2
+ Debt ($ Bil)			51.3
- Cash ($ Bil)			78.7
TEV ($ Bil)			96.7
Valuation Ratios
P/S	1.8	1.9	2.1
P/EBIT	9.2	9.8	-
P/E	9.5	11.8	38.5
P/FCF	—	—	4.6
Sector Ratios (* = sector average)
P/S *			3.4
P/EBIT *			7.3
P/E *			12.0
P/FCF *			9.3

FYE: 12/31	COF [1]	S&P 500 [2]
REVENUE GROWTH
LTM Revenue [3]	$58.7 Bil	—
FY 2026 Sales	$63.7 Bil	—
FY 2027 Sales	$67.3 Bil	—
FY 2026 Sales Growth	8.6%	—
FY 2027 Sales Growth	5.6%	8.1%
EARNINGS
LTM Net Income (GAAP) [3]	$3.2 Bil	—
FY 2026 Net Income (Non-GAAP)	$10.5 Bil	—
FY 2027 Net Income (Non-GAAP)	$13.1 Bil	—
FY 2027 Net Income Growth	24.9%	16.3%
FY 2026 EPS (Non-GAAP)	$19.55	—
FY 2027 EPS (Non-GAAP)	$24.22	—
FY 2027 EPS Growth	23.9%	—
VALUATION
FY 2026 P/S	1.9	3.3
FY 2027 P/S	1.8	—
FY 2026 P/E	11.8	20.0
FY 2027 P/E	9.5	—

[1] COF forward figures are analyst consensus for the next two fiscal years (fiscal year end 12/31). Net Income and EPS are non-GAAP (adjusted) consensus. P/S and P/E divide the current market cap by the consensus figure.
[2] S&P 500 figures are the SPY ETF's holdings-weighted forward aggregate. P/S and P/E reflect FY1/FY2 consensus blended to the 12-month window ending 7/31/27 (~one year forward), shown when ≥90% of index weight has estimates. Growth is the aggregate next-fiscal-year vs current-fiscal-year (FY1→FY2) change. Index-level dollar Sales, Net Income and EPS are not applicable.
[3] LTM = reported trailing-twelve-month actuals (GAAP).

	COF	S&P 500
REVENUE GROWTH	VERY GOOD
Rev LTM ($ Bil)	58.7
Rev Chg Q	52.3%	8.9%
Rev Chg LTM	47.6%	7.5%
Rev Chg 3Y Avg	20.3%	5.9%
PROFITABILITY	POOR
Op Inc LTM ($ Bil)	�
CFO LTM ($ Bil)	29.1
Net Inc LTM ($ Bil)	3.2
CFO/Rev LTM	49.6%	21.4%
Net Inc Mgn	5.5%	13.0%
VALUATION	HIGH
P/S	2.1	3.3
P/CFO	4.3	15.4
P/FCF	4.6	20.0
P/E	38.5	24.3

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Metric	Value	Date	Source
Domestic Card 30+ Day Performing Delinquency Rate	3.89%	9302025	Link
Domestic Card Net Charge-Off Rate	4.63%	9302025	Link
Auto Finance Originations	$9.4 billion	12312024	Link
Total Company Marketing Expense	$1.4 billion	9302025	Link
Auto Charge-Off Rate	1.54%	9302025	Link
Credit Card Purchase Volume	$230,379 million	9302025	Link
Commercial Banking Net Charge-Off Rate	0.21%	9302025	Link
Common Equity Tier 1 Capital Ratio	14.4%	9302025	Link

Price Chart

Upcoming
7/21/2026	Earnings Release	Rev: $15 Bil (E) EPS: $4.73 (E)

Why The Stock Moved

Qualitative Assessment

AI Analysis | Feedback

Updated on 7/8/2026

Capital One Financial (COF) stock has gained about 10% since 3/31/2026 because of the following key factors:

1. Favorable Analyst Revisions and Price Target Increases: Capital One (COF) received multiple bullish analyst initiations and price target upgrades during the period. Piper Sandler, for instance, initiated coverage with an "Overweight" rating and a $254 price target, while Citi launched coverage with a "Buy" rating and a $310 target. BTIG also raised its price target from $224 to $259. This positive analyst sentiment, with a consensus price target around $260.19, indicated significant upside potential from prevailing stock levels.

2. Robust Federal Reserve Stress Test Performance: Capital One successfully passed the Federal Reserve's 2026 stress tests, along with other major banks. Crucially, the Federal Reserve confirmed that Capital One's stress capital buffer would remain at 4.5% through September 2027. This outcome boosted investor confidence in the company's capital resilience and its capacity for sustained capital returns to shareholders.

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Stock Movement Drivers

Fundamental Drivers

The 10.2% change in COF stock from 3/31/2026 to 7/9/2026 was primarily driven by a 19.7% change in the company's Net Income Margin (%).

(LTM values as of)	3312026	7092026	Change
Stock Price ($)	181.65	200.10	10.2%
Change Contribution By:
Total Revenues ($ Mil)	53,434	58,665	9.8%
Net Income Margin (%)	4.6%	5.5%	19.7%
P/E Multiple	46.8	38.6	-17.4%
Shares Outstanding (Mil)	632	622	1.6%
Cumulative Contribution			10.2%

LTM = Last Twelve Months as of date shown

Market Drivers

3/31/2026 to 7/9/2026

	Return	Correlation
COF	10.2%
Market (SPY)	15.6%	51.3%
Sector (XLF)	12.5%	70.8%

Fundamental Drivers

The -16.8% change in COF stock from 12/31/2025 to 7/9/2026 was primarily driven by a -64.4% change in the company's P/E Multiple.

(LTM values as of)	12312025	7092026	Change
Stock Price ($)	240.40	200.10	-16.8%
Change Contribution By:
Total Revenues ($ Mil)	48,231	58,665	21.6%
Net Income Margin (%)	2.9%	5.5%	87.3%
P/E Multiple	108.6	38.6	-64.4%
Shares Outstanding (Mil)	639	622	2.7%
Cumulative Contribution			-16.8%

LTM = Last Twelve Months as of date shown

Market Drivers

12/31/2025 to 7/9/2026

	Return	Correlation
COF	-16.8%
Market (SPY)	10.5%	52.4%
Sector (XLF)	1.9%	78.4%

Fundamental Drivers

The -4.6% change in COF stock from 6/30/2025 to 7/9/2026 was primarily driven by a -55.2% change in the company's Net Income Margin (%).

(LTM values as of)	6302025	7092026	Change
Stock Price ($)	209.67	200.10	-4.6%
Change Contribution By:
Total Revenues ($ Mil)	39,737	58,665	47.6%
Net Income Margin (%)	12.3%	5.5%	-55.2%
P/E Multiple	16.5	38.6	134.5%
Shares Outstanding (Mil)	383	622	-38.5%
Cumulative Contribution			-4.6%

LTM = Last Twelve Months as of date shown

Market Drivers

6/30/2025 to 7/9/2026

	Return	Correlation
COF	-4.6%
Market (SPY)	22.7%	54.2%
Sector (XLF)	7.3%	76.7%

Fundamental Drivers

The 92.0% change in COF stock from 6/30/2023 to 7/9/2026 was primarily driven by a 473.5% change in the company's P/E Multiple.

(LTM values as of)	6302023	7092026	Change
Stock Price ($)	104.22	200.10	92.0%
Change Contribution By:
Total Revenues ($ Mil)	34,980	58,665	67.7%
Net Income Margin (%)	16.9%	5.5%	-67.5%
P/E Multiple	6.7	38.6	473.5%
Shares Outstanding (Mil)	383	622	-38.5%
Cumulative Contribution			92.0%

LTM = Last Twelve Months as of date shown

Market Drivers

6/30/2023 to 7/9/2026

	Return	Correlation
COF	92.0%
Market (SPY)	75.6%	61.6%
Sector (XLF)	72.2%	75.9%

Return vs. Risk

Price Returns Compared

	2021	2022	2023	2024	2025	2026	Total [1]
Returns
COF Return	49%	-34%	44%	38%	38%	-20%	115%
Peers Return	35%	-16%	21%	45%	39%	3%	188%
S&P 500 Return	27%	-19%	24%	23%	16%	9%	99%
Monthly Win Rates [3]
COF Win Rate	67%	42%	67%	67%	67%	29%
Peers Win Rate	62%	42%	52%	67%	68%	40%
S&P 500 Win Rate	75%	42%	67%	75%	67%	43%
Max Drawdowns [4]
COF Max Drawdown	-22%	-44%	-29%	-14%	-28%	-31%
Peers Max Drawdown	-17%	-37%	-23%	-14%	-27%	-19%
S&P 500 Max Drawdown	-5%	-25%	-10%	-8%	-19%	-9%

[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 7/9/2026 (YTD)

Event	COF	S&P 500
2025 US Tariff Shock
% Loss	-28.2%	-18.8%
% Gain to Breakeven	39.4%	23.1%
Time to Breakeven	83 days	79 days
Summer-Fall 2023 Five Percent Yield Shock
% Loss	-21.9%	-9.5%
% Gain to Breakeven	28.0%	10.5%
Time to Breakeven	37 days	24 days
2023 SVB Regional Banking Crisis
% Loss	-27.0%	-6.7%
% Gain to Breakeven	37.1%	7.1%
Time to Breakeven	76 days	31 days
2022 Inflation Shock & Fed Tightening
% Loss	-37.5%	-24.5%
% Gain to Breakeven	60.1%	32.4%
Time to Breakeven	541 days	427 days
2020 COVID-19 Crash
% Loss	-59.4%	-33.7%
% Gain to Breakeven	146.4%	50.9%
Time to Breakeven	278 days	140 days
Q4 2018 Fed Policy Error / Growth Scare
% Loss	-26.5%	-19.2%
% Gain to Breakeven	36.1%	23.8%
Time to Breakeven	212 days	105 days

Compare to JPM, BAC, WFC, C, AXP

In The Past

Capital One Financial's stock fell -28.2% during the 2025 US Tariff Shock. Such a loss loss requires a 39.4% gain to breakeven.

Preserve Wealth

Limiting losses and compounding gains is essential to preserving wealth.

Asset Allocation

Actively managed asset allocation strategies protect wealth. Learn more.

Event	COF	S&P 500
2025 US Tariff Shock
% Loss	-28.2%	-18.8%
% Gain to Breakeven	39.4%	23.1%
Time to Breakeven	83 days	79 days
Summer-Fall 2023 Five Percent Yield Shock
% Loss	-21.9%	-9.5%
% Gain to Breakeven	28.0%	10.5%
Time to Breakeven	37 days	24 days
2023 SVB Regional Banking Crisis
% Loss	-27.0%	-6.7%
% Gain to Breakeven	37.1%	7.1%
Time to Breakeven	76 days	31 days
2022 Inflation Shock & Fed Tightening
% Loss	-37.5%	-24.5%
% Gain to Breakeven	60.1%	32.4%
Time to Breakeven	541 days	427 days
2020 COVID-19 Crash
% Loss	-59.4%	-33.7%
% Gain to Breakeven	146.4%	50.9%
Time to Breakeven	278 days	140 days
Q4 2018 Fed Policy Error / Growth Scare
% Loss	-26.5%	-19.2%
% Gain to Breakeven	36.1%	23.8%
Time to Breakeven	212 days	105 days
2015-2016 China Devaluation / Global Growth Scare
% Loss	-27.8%	-12.2%
% Gain to Breakeven	38.5%	13.9%
Time to Breakeven	291 days	62 days
2014-2016 Oil Price Collapse
% Loss	-26.9%	-6.8%
% Gain to Breakeven	36.8%	7.3%
Time to Breakeven	290 days	15 days
2011 US Debt Ceiling Crisis & European Contagion
% Loss	-24.2%	-17.9%
% Gain to Breakeven	31.9%	21.8%
Time to Breakeven	203 days	123 days
2008-2009 Global Financial Crisis
% Loss	-81.6%	-53.4%
% Gain to Breakeven	442.4%	114.4%
Time to Breakeven	402 days	1085 days

Compare to JPM, BAC, WFC, C, AXP

In The Past

Capital One Financial's stock fell -28.2% during the 2025 US Tariff Shock. Such a loss loss requires a 39.4% gain to breakeven.

Preserve Wealth

Limiting losses and compounding gains is essential to preserving wealth.

Asset Allocation

Actively managed asset allocation strategies protect wealth. Learn more.

About Capital One Financial (COF)

Business Description Analogies Products Customers Suppliers Management Key Risks Emerging Threats Market Size Revenue Drivers Capital Allocation

Capital One Financial Corporation (COF) is a diversified financial services holding company primarily operating through its banking subsidiaries, Capital One Bank. It provides a broad range of financial products and services, catering to markets in the United States, Canada, and the United Kingdom. The company structures its business into three main segments: Credit Card, Consumer Banking, and Commercial Banking.

Capital One's core offerings include various deposit accounts, such as checking, savings, and money market options. On the lending side, it is a prominent provider of credit card loans, and also extends auto and retail banking loans. For businesses, the company offers commercial and multifamily real estate loans, as well as general commercial and industrial loans. Complementary services include credit and debit card products, extensive online direct banking capabilities, and treasury management services.

The company serves a wide array of customers, encompassing individual consumers, small businesses, and larger commercial clients. Capital One engages with its customer base through a comprehensive network that includes digital channels, traditional bank branches, and unique café locations, particularly concentrated in key U.S. states such as New York, Texas, and California.

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A larger, full-service Discover Financial.
JPMorgan Chase for credit cards and everyday banking.

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Checking Accounts: Deposit accounts primarily used for everyday transactions and payments.
Savings Accounts: Deposit accounts designed for accumulating funds and earning interest.
Money Market Accounts: Interest-bearing deposit accounts that typically offer higher rates and some check-writing privileges.
Certificates of Deposit (CDs): Time deposits held for a fixed period at a guaranteed interest rate.
Credit Cards: Revolving credit lines enabling consumers and businesses to make purchases and borrow funds.
Debit Cards: Cards linked to bank accounts for direct payments and cash withdrawals.
Auto Loans: Financing provided to customers for the purchase of vehicles.
Consumer Loans: Various other loan products offered to individual consumers.
Commercial Loans: Financing provided to businesses for needs such as real estate, equipment, and working capital.
Online Direct Banking: Digital platforms and services for remote account management and transactions.
Treasury Management Services: Financial services assisting businesses with cash flow management, liquidity, and financial operations.

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Capital One Financial (COF) primarily sells its financial products and services to a broad base of individuals and businesses, rather than to a few major corporate customers. The company serves the following categories of customers:

Consumers: Individuals who utilize credit card loans, auto loans, retail banking loans, checking and savings accounts, credit and debit card products, and online direct banking services.
Small Businesses: Businesses that use various banking services, including deposits, treasury management, and potentially smaller commercial loans.
Commercial Clients: Larger businesses and institutions that receive commercial and industrial loans, commercial and multifamily real estate loans, treasury management, and depository services.

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Amazon.com, Inc. (AMZN)
Visa Inc. (V)
Mastercard Incorporated (MA)
Equifax Inc. (EFX)
TransUnion (TRU)
Experian plc (EXPN.L)

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Richard Fairbank, Chairman, Chief Executive Officer and Founder

Richard Fairbank is the founder, Chairman, and Chief Executive Officer of Capital One. He co-founded Capital One with Nigel Morris in 1988, establishing the company's information-based strategy. Prior to founding Capital One, he was a Vice President and head of the banking practice at Strategic Planning Associates (now Mercer Management Consulting), where he created the banking practice in 1985.

Andrew Young, Chief Financial Officer

Andrew Young has served as Chief Financial Officer of Capital One Financial Corporation since March 2021. He joined Capital One in 1996 and has held various leadership positions within the company, including Business Line CFO (2018–2021), CFO of Capital One, National Association (2018–2021), and Head of Corporate Planning/CFO of Infrastructure (2015–2018).

Matthew Cooper, President, Discover Integration; General Counsel and Corporate Secretary

Matthew Cooper serves as President of Discover Integration, General Counsel, and Corporate Secretary at Capital One. He joined Capital One in 2009 and was appointed General Counsel in February 2018, later assuming the Corporate Secretary role in March 2022. In February 2024, he was named Integration Executive Officer for Capital One's acquisition of Discover. Before joining Capital One, he held senior positions at Genworth and GE Capital and worked in commercial litigation at law firms. He was also part of the founding team at Capital One Bank.

Sanjiv Yajnik, President of Financial Services

Sanjiv Yajnik has been the President of Financial Services at Capital One Financial Corporation since June 2009, overseeing the company's auto finance and home loans businesses. He joined Capital One in July 1998. Prior to his tenure at Capital One, he held positions as General Manager at Circuit City Stores (USA), Market Manager at PepsiCo (Canada), and Chief Engineer at Mobil Oil (International). He also holds 18 U.S. patents across 9 patent families.

Frank LaPrade III, Chief Enterprise Services Officer & Chief of Staff to the CEO

Frank LaPrade III has served as the Chief Enterprise Services Officer at Capital One Financial Corporation since 2010 and as Chief of Staff to the Chief Executive Officer since January 2004. He joined Capital One in January 1996. In his current role, he manages Information Technology, Brand Marketing, Corporate Development, Digital Banking, and Procurement. Before joining Capital One, he was a commercial and intellectual property litigator at McGuire Woods.

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Capital One Financial (COF) faces several key risks inherent to its business as a financial services holding company with significant exposure to credit cards and banking. These risks are primarily driven by economic factors, regulatory changes, and intense competition within the financial sector.

Credit Risk and Economic Downturns: Capital One's substantial reliance on credit card loans, along with auto and retail banking loans, makes it highly vulnerable to fluctuations in economic conditions. An economic slowdown or recession can lead to increased loan default rates, particularly among customers with lower credit scores. This directly impacts the company's profitability through higher credit losses and the need for larger reserve builds.
Interest Rate Risk: As a financial institution, Capital One's earnings and capital are exposed to adverse movements in interest rates. Changes in interest rates affect the present value and timing of future cash flows, impacting the value of the bank's assets, liabilities, and off-balance sheet items. This can significantly influence net interest income, a primary source of revenue for banks. Rising interest rates, for instance, can dampen the underlying value of assets and increase deposit funding costs, putting pressure on liquidity and capital.
Regulatory Changes and Intense Competition: The financial services industry is subject to extensive and evolving regulatory oversight. Changes in laws, regulations, or their interpretation can materially impact Capital One's operations, potentially increasing compliance costs, restricting operational flexibility, and leading to penalties. Simultaneously, the company operates in a highly competitive landscape with both traditional banks and emerging fintech firms. This intense competition, especially in credit card lending and digital banking, necessitates continuous innovation and competitive pricing strategies to attract and retain customers, which can pressure profitability.

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Clear emerging threats for Capital One Financial (COF) include:

Buy Now, Pay Later (BNPL) Services: Companies like Affirm, Klarna, and Afterpay are disrupting the traditional credit card model by offering point-of-sale financing with interest-free installment plans or fixed payments. This directly competes with Capital One's core credit card business for retail purchases, potentially eroding transaction volume, interest income, and customer loyalty.
Neobanks and Fintech Challenger Banks: Digital-first financial institutions and fintechs, such as Chime, Varo, and Ally Bank, offer superior digital user experiences, lower fees, and often more competitive interest rates on deposits. These players directly threaten Capital One's consumer banking segment by attracting customers, particularly younger demographics, away from traditional checking, savings, and other deposit products.

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Addressable Markets for Capital One Financial's Main Products and Services

Credit Card Loans

United States: The total outstanding credit card debt in the USA is projected to exceed USD 1.2 trillion in 2024. The U.S. credit card market size was valued at USD 190 billion in 2024 and is expected to reach USD 388.4 billion by 2032.
Canada: The total value of credit card transactions in Canada is estimated to be CAD $605 billion in 2025. The Canada Credit Cards market size in 2026 is estimated at USD 891.18 billion.
United Kingdom: Outstanding credit card debt was £73.2 billion in March 2025. The market size of Credit Card Issuance in the UK was £18.7 billion in 2025. The UK credit card market is forecast to reach £309.1 billion by 2028.

Auto and Retail Banking Loans

United States (Auto Loans): Americans owe $1.655 trillion in auto loan debt as of Q3 2025. The US Auto Loan Market size is projected to be USD 676.20 billion in 2025 and USD 709.13 billion in 2026.
Canada (Auto Loans): The Canadian auto finance market reached a valuation of CAD 145 billion in outstanding auto loans as of 2023.
United Kingdom (Auto Loans): The United Kingdom Auto Loan Market size was estimated at USD 90.12 billion in 2024, and is expected to reach USD 112.36 billion by 2029. The United Kingdom auto finance market reached a valuation of GBP 80 billion in 2023.

Commercial and Multifamily Real Estate Loans

United States: The commercial real estate (CRE) mortgage market for income-producing properties is roughly $4.5 trillion, with an additional $467 billion in construction loans, as of March 2023. Multifamily lending origination volume totaled $288.7 billion in 2024.
Canada: null
United Kingdom: null

Commercial and Industrial Loans

United States: null
Canada: null
United Kingdom: null

Consumer Banking (Checking accounts, money market deposits, savings deposits)

United States: null
Canada (Retail Banking): The Canada retail banking market generated a revenue of USD 102.1 billion in 2024 and is expected to reach USD 174.1 billion by 2033.
United Kingdom (Retail Banking): The UK retail banking market generated a revenue of USD 91.0 billion in 2024 and is expected to reach USD 155.3 billion by 2033. The United Kingdom retail banking market is valued at approximately USD 71 billion.

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

Discover Acquisition and Integration: The acquisition of Discover Financial Services, finalized in May 2025, is a primary driver of significant revenue growth for Capital One. This strategic move is anticipated to generate substantial revenue and cost synergies by leveraging Discover's proprietary payments network and integrating its loan book. Capital One plans to migrate its debit card business to the Discover network, with credit card migration to follow, aiming for approximately $2.5 billion in combined revenue and expense synergies by Q2 2027. This integration is also expected to improve the company's net interest margin due to the higher-yielding assets from Discover.
Organic Growth in Domestic Card Business: Beyond the impact of the Discover acquisition, Capital One's core domestic card business continues to demonstrate underlying growth in purchase volume and loans. Analysts project continued strong margins and stable credit within this segment, even amid competitive intensity. This organic expansion of its credit card portfolio contributes to steady top-line growth.
Expansion of Digital Offerings and Technology Investments: Capital One is strategically investing heavily in technology, data, and artificial intelligence (AI) to enhance its digital services and overall customer experience. This focus is aimed at attracting a broader, tech-savvy customer base, increasing transaction volumes, and generating fee-based revenue. The company's goal is to leverage AI and advanced analytics to deliver personalized solutions, strengthen credit risk management, and drive innovation in product development.
Growth in Consumer Banking, including Auto Loans: The Consumer Banking segment, particularly auto loans, has consistently shown year-over-year revenue growth. The company is focused on pursuing resilient growth in the auto business and has seen an increase in consumer banking average loans and deposits. This segment's performance contributes to the diversification and overall revenue expansion of Capital One.

AI Analysis | Feedback

Share Repurchases

Capital One Financial authorized a new $16 billion stock repurchase plan on October 20, 2025, which replaced a previous authorization.
The company's annual share buybacks totaled $4.099 billion in 2025, $734 million in 2024, and $718 million in 2023.
Prior to the 2025 authorization, Capital One had authorized $5 billion in share repurchases in January 2022, followed by an additional $5 billion in April 2022.

Share Issuance

Capital One acquired Discover Financial Services in May 2025 through an all-stock transaction, converting each Discover common stock share into 1.0192 shares of Capital One common stock, amounting to approximately 257 million new shares.
The company's shares outstanding increased by 41.11% in 2025 to 0.541 billion, largely due to the Discover acquisition.
In January 2026, Capital One announced an agreement to acquire Brex for $5.15 billion, with the consideration split approximately 50% cash and 50% stock.

Outbound Investments

Capital One completed the acquisition of Discover Financial Services on May 18, 2025, in an all-stock deal valued at $35.3 billion, aiming to transform the credit card industry and expand its payments network.
The company announced a definitive agreement in January 2026 to acquire Brex for $5.15 billion, primarily to enhance its commercial banking and technology-led financial services offerings.
In June 2023, Capital One acquired Velocity Black to improve its customer experience through innovative technology.

Capital Expenditures

Capital One's operating expenses, which include significant technology and integration costs, increased by 39.44% to $66.971 billion in 2025, and by 10.56% to $48.028 billion in 2024.
The company is heavily investing in technology, integration efforts, and expanding its card network operations, particularly following the Discover acquisition, to achieve its long-term strategic goals and improve efficiency.
Significant integration expenses related to the Discover acquisition were reported, including $509 million in intangible amortization and $352 million in integration expenses in Q4 2025.

Interactive Breakdown

Capital One Financial Interactive Breakdown Analysis

Better Bets vs. Capital One Financial (COF)

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Latest Trefis Analyses

	Title	Date
0	DASHBOARDS
1	Capital One Financial Stock Rockets 13% With 6-Day Winning Streak	06/19/2026
2	9-Day Rally Sends Capital One Financial Stock Up 14%	12/05/2025
3	Capital One Financial Stock Surges 12%, With A 8-Day Winning Spree	12/04/2025
4	Capital One Financial Stock On Fire: Up 7.8% With 7-Day Winning Streak	12/03/2025
5	Capital One Financial Stock Surges 7.8%, With A 7-Day Winning Spree	12/03/2025
6	Capital One Financial Stock 7-Day Winning Spree: Stock Climbs 7.8%	12/03/2025
7	Capital One Financial Stock 7-Day Winning Spree: Stock Climbs 11%	12/03/2025
8	With Capital One Financial Stock Surging, Have You Considered The Downside?	10/17/2025
9	COF Dip Buy Analysis	07/10/2025
10	Day 10 of Gains Streak for Capital One Financial Stock with 13% Return (vs. 23% YTD) [7/3/2025]	07/04/2025
11	ARTICLES
12	Capital One Financial Stock 6-Day Winning Spree: Stock Climbs 13%	06/22/2026
13	Key Metrics To Track For Capital One After Its Q1 Earnings Miss	04/22/2026
14	Could Cash Machine Capital One Financial Stock Be Your Next Buy?	03/16/2026
15	S&P 500 Movers \| Winners: LYV, FTNT, SW \| Losers: INTC, COF, MRNA	01/23/2026
16	S&P 500 Stocks Trading At 52-Week High	12/24/2025

	Title
0	DASHBOARDS
1	Capital One Financial Stock Rockets 13% With 6-Day Winning Streak
2	9-Day Rally Sends Capital One Financial Stock Up 14%
3	Capital One Financial Stock Surges 12%, With A 8-Day Winning Spree
4	Capital One Financial Stock On Fire: Up 7.8% With 7-Day Winning Streak
5	Capital One Financial Stock Surges 7.8%, With A 7-Day Winning Spree
6	Capital One Financial Stock 7-Day Winning Spree: Stock Climbs 7.8%
7	Capital One Financial Stock 7-Day Winning Spree: Stock Climbs 11%
8	With Capital One Financial Stock Surging, Have You Considered The Downside?
9	COF Dip Buy Analysis
10	Day 10 of Gains Streak for Capital One Financial Stock with 13% Return (vs. 23% YTD) [7/3/2025]
11	ARTICLES
12	Capital One Financial Stock 6-Day Winning Spree: Stock Climbs 13%
13	Key Metrics To Track For Capital One After Its Q1 Earnings Miss
14	Could Cash Machine Capital One Financial Stock Be Your Next Buy?
15	S&P 500 Movers \| Winners: LYV, FTNT, SW \| Losers: INTC, COF, MRNA
16	S&P 500 Stocks Trading At 52-Week High

Trade Ideas

Select ideas related to COF.

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Peer Comparisons

Peers to compare with:

Financials

	COF	JPM	BAC	WFC	C	AXP	Median
Name	Capital .	JPMorgan.	Bank of .	Wells Fa.	Citigroup	American.
Mkt Price	200.10	335.47	59.25	86.91	139.57	346.72	169.83
Mkt Cap	124.6	911.2	429.9	267.7	242.4	237.5	255.1
Rev LTM	58,665	186,941	116,003	84,743	88,089	74,171	86,416
Op Inc LTM	-	-	-	-	-	-	-
FCF LTM	27,291	-107,704	56,567	1,179	-37,215	14,324	7,752
FCF 3Y Avg	21,807	-92,447	33,953	8,710	-57,163	16,177	12,443
CFO LTM	29,074	-107,704	56,567	1,179	-30,797	17,468	9,324
CFO 3Y Avg	23,161	-92,447	33,953	8,710	-50,702	18,406	13,558

Growth & Margins

	COF	JPM	BAC	WFC	C	AXP	Median
Name	Capital .	JPMorgan.	Bank of .	Wells Fa.	Citigroup	American.
Rev Chg LTM	47.6%	8.2%	7.1%	3.9%	8.4%	10.5%	8.3%
Rev Chg 3Y Avg	20.3%	11.4%	5.8%	3.1%	5.2%	10.2%	8.0%
Rev Chg Q	52.3%	9.9%	7.2%	6.4%	14.2%	11.4%	10.7%
QoQ Delta Rev Chg LTM	9.8%	2.5%	1.8%	1.6%	3.6%	2.7%	2.6%
Op Inc Chg LTM	-	-	-	-	-	-	-
Op Inc Chg 3Y Avg	-	-	-	-	-	-	-
Op Mgn LTM	-	-	-	-	-	-	-
Op Mgn 3Y Avg	-	-	-	-	-	-	-
QoQ Delta Op Mgn LTM	-	-	-	-	-	-	-
CFO/Rev LTM	49.6%	-57.6%	48.8%	1.4%	-35.0%	23.6%	12.5%
CFO/Rev 3Y Avg	51.6%	-52.4%	30.9%	10.5%	-62.1%	27.6%	19.1%
FCF/Rev LTM	46.5%	-57.6%	48.8%	1.4%	-42.2%	19.3%	10.4%
FCF/Rev 3Y Avg	48.6%	-52.4%	30.9%	10.5%	-70.0%	24.4%	17.4%

Valuation

	COF	JPM	BAC	WFC	C	AXP	Median
Name	Capital .	JPMorgan.	Bank of .	Wells Fa.	Citigroup	American.
Mkt Cap	124.6	911.2	429.9	267.7	242.4	237.5	255.1
P/S	2.1	4.9	3.7	3.2	2.8	3.2	3.2
P/Op Inc	-	-	-	-	-	-	-
P/EBIT	-	-	-	-	-	-	-
P/E	38.6	15.5	13.6	12.3	15.1	21.2	15.3
P/CFO	4.3	-8.5	7.6	227.0	-7.9	13.6	5.9
Total Yield	4.0%	6.5%	7.4%	10.2%	6.6%	4.7%	6.5%
Dividend Yield	1.4%	0.0%	0.0%	2.1%	0.0%	0.0%	0.0%
FCF Yield 3Y Avg	28.5%	-12.9%	10.3%	4.1%	-41.4%	9.0%	6.5%
D/E	0.4	0.6	0.9	0.8	1.6	0.3	0.7
Net D/E	-0.2	-0.4	-0.5	0.1	-1.1	0.0	-0.3

Returns

	COF	JPM	BAC	WFC	C	AXP	Median
Name	Capital .	JPMorgan.	Bank of .	Wells Fa.	Citigroup	American.
1M Rtn	9.1%	7.8%	8.9%	6.0%	3.6%	9.2%	8.3%
3M Rtn	3.2%	8.6%	13.0%	1.6%	12.3%	9.4%	9.0%
6M Rtn	-21.1%	2.7%	6.6%	-8.1%	16.9%	-8.9%	-2.7%
12M Rtn	-6.9%	20.7%	29.2%	8.6%	66.4%	10.4%	15.6%
3Y Rtn	91.9%	146.9%	122.9%	121.3%	237.2%	109.1%	122.1%
1M Excs Rtn	9.1%	6.5%	8.6%	5.5%	2.9%	9.5%	7.5%
3M Excs Rtn	-6.8%	-1.8%	3.6%	-8.0%	2.3%	-1.3%	-1.6%
6M Excs Rtn	-30.4%	-7.4%	-4.0%	-17.5%	6.4%	-17.7%	-12.4%
12M Excs Rtn	-27.8%	-0.3%	7.2%	-12.3%	45.6%	-10.6%	-5.4%
3Y Excs Rtn	19.8%	76.8%	49.4%	46.5%	160.1%	36.0%	48.0%

FDIC Bank Data

Bank Capital

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Bank Deposits

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Bank Assets

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Bank Loans

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FDA Approved Drugs Data

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Financials

Annual
Quarterly

$ Mil \| FY: 12/31	LTM	2025	2024	2023	2022	2021	2020
Period End	3/31/2026	12/31/2025	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020
Filing Date	5/7/2026	2/19/2026	2/20/2025	2/23/2024	2/24/2023	2/25/2022	2/25/2021
Key Financials
Total Revenue	58,665	53,434	39,112	36,787	34,250	30,435	28,523
Net Income	3,223	2,453	4,750	4,887	7,360	12,390	2,714
EPS	2.85	4.03	11.61	11.98	17.98	27.04	5.19
Growth Rates
Total Revenue Growth	47.6%	36.6%	6.3%	7.4%	12.5%	6.7%	-0.2%
Net Income Growth	-33.9%	-48.4%	-2.8%	-33.6%	-40.6%	356.5%	-51.1%
Margins
Net Income Margin	5.5%	4.6%	12.1%	13.3%	21.5%	40.7%	9.5%
Cash & Debt
Total Cash	78,712	61,708	126,243	122,414	107,775	117,007	140,954
Total Debt	51,262	50,413	44,989	49,318	47,832	42,266	39,871
Net Debt / (Cash)	-27,450	-11,295	-81,254	-73,096	-59,943	-74,741	-101,083
Cash Flows & CapEx
Net Cash from Operations	29,074	27,718	18,159	20,575	13,809	12,310	16,699
Total CapEx	-1,783	-1,578	-1,204	-961	-934	-698	-710
Free Cash from Operations	27,291	26,140	16,955	19,614	12,875	11,612	15,989
Returns to Shareholders
Dividends	1,784	1,768	1,160	1,159	1,178	1,422	740
Share Repurchases	7,017	4,599	734	718	4,948	9,705	1,768

$ Mil \| FY: 12/31	2026Q1	2025Q4	2025Q3	2025Q2	2025Q1	2024Q4	2024Q3	2024Q2	2024Q1	2023Q4	2023Q3	2023Q2
Period End	3/31/2026	12/31/2025	9/30/2025	6/30/2025	3/31/2025	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023
Filing Date	5/7/2026	2/19/2026	11/3/2025	7/31/2025	5/7/2025	2/20/2025	10/31/2024	8/1/2024	5/2/2024	2/23/2024	11/2/2023	7/27/2023
Key Financials Quarterly
Total Revenue	15,231	15,393	15,464	12,577	10,000	10,190	10,014	9,533	9,402	9,506	9,366	9,012
Net Income	2,174	2,134	3,192	-4,277	1,404	1,096	1,777	597	1,280	706	1,790	1,431
EPS	3.34	3.26	4.83	-8.58	3.46	2.67	4.42	1.39	3.14	1.67	4.46	3.53
Key Financials TTM
Total Revenue TTM	58,665	53,434	48,231	42,781	39,737	39,139	38,455	37,807	37,286	36,787	36,321	35,760
Net Income TTM	3,223	2,453	1,415	0	4,874	4,750	4,360	4,373	5,207	4,887	5,413	5,317
Growth Rates Quarterly
Total Revenue Growth	52.3%	51.1%	54.4%	31.9%	6.4%	7.2%	6.9%	5.8%	5.6%	5.2%	6.4%	9.5%
Net Income Growth	54.8%	94.7%	79.6%	-816.4%	9.7%	55.2%	-0.7%	-58.3%	33.3%	-42.7%	5.7%	-29.5%
Margins Quarterly
Net Income Margin	14.3%	13.9%	20.6%	-34.0%	14.0%	10.8%	17.7%	6.3%	13.6%	7.4%	19.1%	15.9%
Cash & Debt
Total Cash	78,712	61,708	59,037	63,144	52,878	126,243	53,492	50,220	53,789	122,414	47,022	42,810
Total Debt	51,262	50,413	50,866	51,924	41,200	44,989	48,816	47,241	49,793	49,318	48,725	49,609
Net Debt / (Cash)	-27,450	-11,295	-8,171	-11,220	-11,678	-81,254	-4,676	-2,979	-3,996	-73,096	1,703	6,799
Cash Flows Quarterly
FCF from Operations	6,023	7,831	9,154	6,066	4,667	2,448	6,458	6,243	3,010	7,100	7,129	3,354
Cash Flows TTM
FCF from Operations TTM	29,074	27,718	22,335	19,639	19,816	18,159	22,811	23,482	20,593	20,575	21,632	17,280
Returns to Shareholders Quarterly
Dividends	502	508	386	388	234	232	233	232	235	233	232	232
Share Repurchases	2,793	2,520	1,037	667	375	161	161	163	249	158	157	157
Return on Invested Capital (ROIC) Quarterly
ROIC	171.6%	26.0%	37.1%	-52.9%	-	-	-	-	-	-	420.4%	84.2%
Return on Invested Capital (ROIC) TTM
ROIC TTM	56.4%	7.7%	4.1%	-1.6%	-	-	-	-	-	-	317.9%	78.2%

Segment Financials

Revenue by Segment

$ Mil	2025	2024	2023	2022	2021
Credit Card	39,560	28,164	25,669	22,355	18,880
Consumer Banking	10,433	8,718	9,302	9,434	9,002
Commercial Banking	3,655	3,601	3,520	3,590	3,301
Other	-214	-1,371	-1,704	-1,129	-748
Total	53,434	39,112	36,787	34,250	30,435

Operating Income by Segment

$ Mil	2015	2014	2013	2012	2011
Credit Card	3,663	3,808	4,024	2,345	3,526
Consumer Banking	1,620	1,860	2,253	2,110	1,260
Commercial Banking	894	1,025	1,195	1,291	827
Other	-296	-124	-1,055	-711	-1,026
Total	5,881	6,569	6,417	5,035	4,587

Net Income by Segment

$ Mil	2025	2024	2023	2022	2021
Consumer Banking	1,225	1,460	2,258	2,250	3,676
Commercial Banking	1,043	1,209	691	843	1,532
Credit Card	645	3,292	3,457	4,927	7,758
Other	-825	-1,214	-1,519	-660	-572
Total	2,088	4,747	4,887	7,360	12,394

Price Behavior

Price Behavior

Market Price	$200.10
Market Cap ($ Bil)	124.6
First Trading Date	11/16/1994
Distance from 52W High	-21.8%
	50 Days	200 Days
DMA Price	$191.00	$206.82
DMA Trend	down	up
Distance from DMA	4.8%	-3.3%
	3M	1YR
Volatility	30.8%	32.2%
Downside Capture	112.24	146.28
Upside Capture	80.12	104.41
Correlation (SPY)	42.7%	53.7%

COF Betas & Captures as of 6/30/2026

	1M	2M	3M	6M	1Y	3Y
Beta	1.00	0.88	1.10	1.34	1.36	1.33
Up Beta	1.26	1.68	1.75	1.93	1.73	1.53
Down Beta	1.34	1.02	0.80	1.37	1.41	1.45
Up Capture	130%	68%	76%	74%	104%	153%
Bmk +ve Days	11	24	40	67	140	429
Stock +ve Days	10	18	29	59	137	397
Down Capture	45%	51%	86%	135%	125%	103%
Bmk -ve Days	10	17	23	58	112	321
Stock -ve Days	11	22	33	65	114	352

[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
COF	-6.7%	32.1%	-0.18	-
Sector ETF (XLF)	7.7%	14.8%	0.29	76.9%
Equity (SPY)	22.3%	12.5%	1.33	54.1%
Gold (GLD)	24.4%	27.8%	0.77	5.8%
Commodities (DBC)	23.6%	18.7%	1.00	-24.7%
Real Estate (VNQ)	13.2%	13.9%	0.65	27.7%
Bitcoin (BTCUSD)	-42.8%	42.8%	-1.18	33.0%

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
COF	7.4%	35.4%	0.27	-
Sector ETF (XLF)	10.5%	18.6%	0.43	78.4%
Equity (SPY)	13.4%	17.1%	0.61	65.2%
Gold (GLD)	18.0%	18.3%	0.80	1.7%
Commodities (DBC)	7.5%	19.5%	0.28	11.5%
Real Estate (VNQ)	2.9%	18.9%	0.06	47.1%
Bitcoin (BTCUSD)	12.3%	53.5%	0.42	30.7%

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
COF	14.9%	37.2%	0.49	-
Sector ETF (XLF)	14.1%	22.1%	0.58	82.8%
Equity (SPY)	15.8%	17.9%	0.75	68.2%
Gold (GLD)	11.7%	16.1%	0.59	-1.8%
Commodities (DBC)	6.1%	18.0%	0.27	22.8%
Real Estate (VNQ)	5.2%	20.7%	0.22	55.0%
Bitcoin (BTCUSD)	58.0%	66.2%	0.98	20.5%

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

Short Interest

Short Interest: As Of Date	6152026
Short Interest: Shares Quantity	11.0 Mil
Short Interest: % Change Since 5312026	2.6%
Average Daily Volume	5.1 Mil
Days-to-Cover Short Interest	2.2 days
Basic Shares Quantity	622.5 Mil
Short % of Basic Shares	1.8%

Returns Analyses

	Title
0	With Capital One Financial Stock Surging, Have You Considered The Downside?
1	COF YTD Stock Return Of 16% Outperforms USB by 22% and Underperforms JPM by -2.2%
2	Capital One Financial During 2008 Recession vs. 2022 Inflation Shock: COF Stock Has 42% Upside If It Recovers To Pre-Inflation Shock Levels
3	Capital One Financial (COF) Stock Has 39% Chance Of Rise In The Next One Month
4	Capital One Financial Stock Return Comparison
5	[10/6/2021] Capital One Financial (COF) Stock Price Forecast: AI Forecasts COF Stock Price To Be Around $170 In A Month (Up 1.3%)
6	Capital One Financial Total Shareholder Return (TSR): -34.3% in 2022 and -1.7% 3-yr returns (above peer average)

Earnings Returns History

Updated 6/15/2026

Expand for More

	Forward Returns
Earnings Date	1D Returns	5D Returns	21D Returns
4/21/2026	-1.5%	-5.1%	-7.1%
1/22/2026	-7.6%	-6.7%	-18.9%
10/21/2025	1.5%	1.8%	-6.4%
7/22/2025	0.9%	-1.7%	-1.0%
4/22/2025	3.7%	7.6%	9.8%
1/21/2025	4.0%	5.1%	6.6%
10/24/2024	5.2%	6.2%	22.4%
7/23/2024	0.6%	4.6%	-3.5%
...
SUMMARY STATS
# Positive	17	12	12
# Negative	7	12	12
Median Positive	2.8%	5.6%	8.5%
Median Negative	-4.8%	-4.0%	-5.2%
Max Positive	9.2%	16.9%	22.4%
Max Negative	-7.6%	-10.8%	-18.9%

Collapse to Preview

	Forward Returns
Earnings Date	1D Returns	5D Returns	21D Returns
4/21/2026	-1.5%	-5.1%	-7.1%
1/22/2026	-7.6%	-6.7%	-18.9%
10/21/2025	1.5%	1.8%	-6.4%
7/22/2025	0.9%	-1.7%	-1.0%
4/22/2025	3.7%	7.6%	9.8%
1/21/2025	4.0%	5.1%	6.6%
10/24/2024	5.2%	6.2%	22.4%
7/23/2024	0.6%	4.6%	-3.5%
4/25/2024	0.2%	-2.8%	-5.3%
1/25/2024	4.7%	1.5%	1.9%
10/26/2023	9.2%	16.9%	19.3%
7/20/2023	0.5%	-0.8%	-8.2%
4/27/2023	1.4%	-10.8%	7.9%
1/24/2023	9.0%	11.7%	3.3%
10/27/2022	4.9%	-3.2%	-1.4%
7/21/2022	-4.7%	-5.7%	-1.2%
4/26/2022	-6.0%	-2.7%	-8.6%
1/25/2022	-4.8%	-1.1%	-2.5%
10/26/2021	-7.5%	-7.8%	-5.1%
7/22/2021	-0.8%	1.5%	5.0%
4/27/2021	3.9%	9.4%	15.3%
1/26/2021	2.8%	6.1%	19.7%
10/22/2020	1.6%	-4.7%	9.0%
7/21/2020	1.9%	2.0%	4.7%
SUMMARY STATS
# Positive	17	12	12
# Negative	7	12	12
Median Positive	2.8%	5.6%	8.5%
Median Negative	-4.8%	-4.0%	-5.2%
Max Positive	9.2%	16.9%	22.4%
Max Negative	-7.6%	-10.8%	-18.9%

SEC Filings

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Report Date	Filing Date	Filing
03/31/2026	05/07/2026	10-Q
12/31/2025	02/19/2026	10-K
09/30/2025	11/03/2025	10-Q
06/30/2025	07/31/2025	10-Q
03/31/2025	05/07/2025	10-Q
12/31/2024	02/20/2025	10-K
09/30/2024	10/31/2024	10-Q
06/30/2024	08/01/2024	10-Q
03/31/2024	05/02/2024	10-Q
12/31/2023	02/23/2024	10-K
09/30/2023	11/02/2023	10-Q
06/30/2023	07/27/2023	10-Q
03/31/2023	05/05/2023	10-Q
12/31/2022	02/24/2023	10-K
09/30/2022	11/04/2022	10-Q
06/30/2022	07/29/2022	10-Q

Collapse to Preview

Report Date	Filing Date	Filing
03/31/2026	05/07/2026	10-Q
12/31/2025	02/19/2026	10-K
09/30/2025	11/03/2025	10-Q
06/30/2025	07/31/2025	10-Q
03/31/2025	05/07/2025	10-Q
12/31/2024	02/20/2025	10-K
09/30/2024	10/31/2024	10-Q
06/30/2024	08/01/2024	10-Q
03/31/2024	05/02/2024	10-Q
12/31/2023	02/23/2024	10-K
09/30/2023	11/02/2023	10-Q
06/30/2023	07/27/2023	10-Q
03/31/2023	05/05/2023	10-Q
12/31/2022	02/24/2023	10-K
09/30/2022	11/04/2022	10-Q
06/30/2022	07/29/2022	10-Q
03/31/2022	05/10/2022	10-Q
12/31/2021	02/25/2022	10-K
09/30/2021	11/05/2021	10-Q
06/30/2021	07/30/2021	10-Q
03/31/2021	05/07/2021	10-Q
12/31/2020	02/25/2021	10-K
09/30/2020	11/02/2020	10-Q
06/30/2020	08/06/2020	10-Q
03/31/2020	05/01/2020	10-Q
12/31/2019	02/20/2020	10-K
09/30/2019	10/31/2019	10-Q
06/30/2019	07/31/2019	10-Q

Recent Forward Guidance

Updated 7/8/2026

Latest: Q1 2026 Earnings Reported 4/21/2026

null

Insider Activity

Updated 7/9/2026

Expand for More

#	Owner	Title	Holding	Action	Filing Date	Price	Shares	Transacted Value	Value of Held Shares	Form
1	Cooper, Matthew W	General Counsel & Corp Secy	Direct	Sell	7082026	208.00	3,500	728,000	18,760,352	Form
2	Cooper, Matthew W	General Counsel & Corp Secy	Direct	Sell	6022026	183.36	3,500	641,760	17,179,732	Form
3	Haggerty, Kaitlin	Chief Human Resources Officer	Direct	Sell	5142026	182.59	119	21,728	8,979,959	Form
4	Haggerty, Kaitlin	Chief Human Resources Officer	Direct	Sell	5142026	183.93	1,307	240,397	9,067,749	Form
5	Cooper, Matthew W	General Counsel & Corp Secy	Direct	Sell	5142026	183.93	3,500	643,755	17,876,892	Form

Collapse to Preview

#	Owner	Title	Holding	Action	Filing Date	Price	Shares	Transacted Value	Value of Held Shares	Form
1	Cooper, Matthew W	General Counsel & Corp Secy	Direct	Sell	7082026	208.00	3,500	728,000	18,760,352	Form
2	Cooper, Matthew W	General Counsel & Corp Secy	Direct	Sell	6022026	183.36	3,500	641,760	17,179,732	Form
3	Haggerty, Kaitlin	Chief Human Resources Officer	Direct	Sell	5142026	182.59	119	21,728	8,979,959	Form
4	Haggerty, Kaitlin	Chief Human Resources Officer	Direct	Sell	5142026	183.93	1,307	240,397	9,067,749	Form
5	Cooper, Matthew W	General Counsel & Corp Secy	Direct	Sell	5142026	183.93	3,500	643,755	17,876,892	Form
6	Karam, Celia	Pres, Retail Bank	Direct	Sell	5042026	192.58	1,749	336,822	11,858,884	Form
7	Dean, Lia	Pres, Banking & Prem. Products	Direct	Sell	4022026	185.61	1,692	314,052	12,148,917	Form
8	Karam, Celia	Pres, Retail Bank	Direct	Sell	4022026	185.61	1,099	203,985	11,753,382	Form
9	Mouadeb, Mark Daniel	President, Card	Direct	Sell	3022026	210.00	1,593	334,530	10,370,220	Form
10	Mouadeb, Mark Daniel	President, Card	Direct	Sell	2262026	202.62	1,509	305,755	10,328,602	Form
11	Hanson, Jason P	Pres.- Global Payment Network	Direct	Sell	2262026	205.00	3,729	764,445	8,247,150	Form
12	Blinde, Neal	President, Commercial Banking	Direct	Sell	2262026	190.51	38,135	7,265,238	6,391,924	Form
13	Karam, Celia	Pres, Retail Bank	Direct	Sell	2042026	218.25	2,108	460,071	12,935,459	Form
14	Raghu, Ravi	Pres, Software, Intl & Sm Bus	Direct	Sell	1062026	250.00	13,450	3,362,500	7,584,250	Form
15	Dean, Lia	Pres, Banking & Prem. Products	Direct	Sell	1052026	244.35	3,163	772,879	16,296,190	Form
16	Karam, Celia	Pres, Retail Bank	Direct	Sell	1052026	244.35	2,064	504,338	14,996,493	Form
17	Cooper, Matthew W	General Counsel & Corp Secy	Direct	Sell	12032025	221.54	2,000	443,080	20,932,428	Form
18	Karam, Celia	Pres, Retail Bank	Direct	Sell	12032025	218.15	2,936	640,488	13,837,909	Form
19	Dean, Lia	Pres, Banking & Prem. Products	Direct	Sell	12032025	218.15	3,269	713,132	15,238,868	Form
20	Laprade,iii, Frank G	Chief Enterprise Srvcs Officer	Direct	Sell	11172025	222.03	17,840	3,961,081	10,727,558	Form
21	Blinde, Neal	President, Commercial Banking	Direct	Sell	11072025	221.83	43,200	9,583,056	16,198,027	Form
22	Cooper, Matthew W	General Counsel & Corp Secy	Direct	Sell	11062025	219.41	2,000	438,820	21,169,993	Form
23	Fairbank, Richard D	Chairman and CEO	Direct	Sell	11062025	220.68	103,487	22,837,982	883,009,193	Form
24	Fairbank, Richard D	Chairman and CEO	Direct	Sell	10292025	225.68	103,486	23,354,788	914,283,789	Form
25	Cooper, Matthew W	General Counsel & Corp Secy	Direct	Sell	10032025	211.99	2,000	423,980	20,878,047	Form
26	Cooper, Matthew W	General Counsel & Corp Secy	Direct	Sell	9032025	223.40	2,000	446,800	22,448,572	Form
27	Golden, Timothy P	SVP, Chief Accounting Officer	Direct	Sell	8202025	215.41	207	44,590	1,891,300	Form
28	Golden, Timothy P	SVP, Chief Accounting Officer	Direct	Sell	8132025	210.28	3,462	727,989	1,889,786	Form
29	Zamsky, Michael	Chief Credit & Fin'l Risk Off.	Direct	Sell	8062025	209.59	5,515	1,155,889	5,735,221	Form
30	Alexander, Robert M	Chief Information Officer	Direct	Sell	7252025	227.86	10,114	2,304,576	15,655,577	Form

COF Trade Sentinel

Stock Conviction

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CONVICTION RATIONALE

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STOCK ARCHETYPE

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Looking for high-conviction positions with a better risk/reward profile? See what's currently in the Trefis High Quality Portfolio.

INVESTMENT THESIS

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Mechanism: null

Supporting Evidence:

PRIMARY RISK

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Mechanism: null

Supporting Evidence:

Key KPI Watchlist

KPI	Threshold	Rationale

Core Investment Debate

BULL VIEW

CORE TENSION

PREVAILING SENTIMENT

BEAR VIEW

Next 6 months: Risks and Catalysts

Timeline	Event & Metric To Watch

Key Events in Last 6 Months

Date	Event	Stock Impact

Risk Management

Position Sizing

Diversification Alternatives

How Is The Market Pricing COF?

What will confirm the thesis

What will damage the thesis

Noise: Real but irrelevant to thesis

Repricing Catalyst

What COF Makes & Who Pays

TTM figures based on

COF Evolution: Price Return by Era

① Structure

② Volume / Momentum

③ Catalyst

Combined Score

0 / 12

1 Price Structure & Trend · ▾

2 Momentum ▾

3 Relative Strength vs. SPY ▾

4 Institutional Footprint & Volume ▾

5 Volatility ▾

6 Key Price Levels Range · Vol ▾

7 Earnings Reaction History ▾

8 How the Verdict Is Derived Three Pillars ▾

Pillar	Score
① Structure	0
② Vol / Mom	0
③ Catalyst	0

ℹ Bull Pillars: 0 · Bear Pillars: 0 · Combined Score: 0 →

Capital One Financial — Investor Video Playlist

Products & Services

Capital One Travel App: Key Features & Benefits | Capital One

Capital One · 2026-07-07

Products & Services

Why the Right Business Card Can Make Running a Small Business Easier

Capital One · 2026-05-28

Products & Services

Understanding How a No Preset Spending Limit Card Works

Capital One · 2026-05-21

Investor / Analyst

Capital One Fireside Chat with Guest From Forrester

Capital One · 2026-01-09

Industry Resources

Financials Resources

Federal Reserve Economic Data

Consumer Finance Resources

Consumer Financial Protection Bureau (CFPB)

InsideARM

The Nilson Report

External Quote Links

0	Y Finance	Barrons
1	TradingView	Morningstar
2	SeekingAlpha	ValueLine
3	Motley Fool	Robinhood
4	CNBC	Etrade
5	MarketWatch	Unusual Whales
6	YCharts	Perplexity Finance
7	FinViz

Prefer one of these to Trefis? Tell us why.

Core Cache Last Updated: 7/9/2026

Capital One Financial (COF)

Market Price (7/10/2026): $199.51 | Market Cap: $124.2 BilInvestor Relations ↗Sector: Financials | Industry: Consumer Finance

Capital One Financial (COF)

Market Price (7/10/2026): $199.51Market Cap: $124.2 BilSector: FinancialsIndustry: Consumer Finance

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

COF in ETFs

Valuation & Metrics

Price Chart

Why The Stock Moved

Qualitative Assessment

Stock Movement Drivers

Fundamental Drivers

Market Drivers

Fundamental Drivers

Market Drivers

Fundamental Drivers

Market Drivers

Fundamental Drivers

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Return vs. Risk

Price Returns Compared

How Low Can It Go

In The Past

Preserve Wealth

Asset Allocation

In The Past

Preserve Wealth

Asset Allocation

About Capital One Financial (COF)

Addressable Markets for Capital One Financial's Main Products and Services

Credit Card Loans

Auto and Retail Banking Loans

Commercial and Multifamily Real Estate Loans

Commercial and Industrial Loans

Consumer Banking (Checking accounts, money market deposits, savings deposits)

Share Repurchases

Share Issuance

Outbound Investments

Capital Expenditures

Interactive Breakdown

Better Bets vs. Capital One Financial (COF)

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FDA Approved Drugs Data

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Based On 1-Year Data

Based On 5-Year Data

Based On 10-Year Data

Short Interest

Returns Analyses

Earnings Returns History

SEC Filings

Recent Forward Guidance

Insider Activity

COF Trade Sentinel

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Market Price (7/10/2026): $199.51 | Market Cap: $124.2 BilInvestor Relations Sector: Financials | Industry: Consumer Finance

Market Price (7/10/2026): $199.51
Market Cap: $124.2 Bil
Sector: Financials
Industry: Consumer Finance