Capital One Financial Corporation (COF)

US — Financial Services Sector
Peers: TD  BAC  PGR  SPGI  UBS  SAN  HOOD 

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Key Metrics & Ratings

  • symbol COF
  • Rev/Share 128.0784
  • Book/Share 210.492
  • PB 1.0711
  • Debt/Equity 0.4523
  • CurrentRatio 0.1329
  • ROIC 0.0119

 

  • MktCap 143332498583.0
  • FreeCF/Share 38.5519
  • PFCF 6.8761
  • PE 49.6968
  • Debt/Assets 0.0778
  • DivYield 0.0115
  • ROE 0.0281

 

  • Rating C
  • Score 2
  • Recommendation Sell
  • P/E Score 1
  • DCF Score 5
  • P/B Score 1
  • D/E Score 1

Recent Analyst Ratings

Type Ticker Analyst Firm Previous Rating Current Rating Previous Price Target Current Price Target Date
Resumed COF Wolfe Research -- Outperform -- $270 Dec. 8, 2025
Initiation COF Rothschild & Co Redburn -- Buy -- $290 Aug. 1, 2025
Upgrade COF TD Cowen Hold Buy -- $258 July 8, 2025
Upgrade COF BTIG Research Neutral Buy -- $208 March 25, 2025
Upgrade COF Evercore ISI In-line Outperform -- $200 March 12, 2025
Upgrade COF Robert W. Baird Neutral Outperform $190 $200 March 11, 2025
Upgrade COF BofA Securities Neutral Buy $207 $235 Feb. 19, 2025
Upgrade COF HSBC Securities Reduce Hold -- $176 Jan. 14, 2025
Upgrade COF UBS Neutral Buy $168 $235 Jan. 13, 2025
Upgrade COF Barclays Equal Weight Overweight $158 $219 Jan. 6, 2025

News

Affirm: Credit Card Interest Rate Cap Could Be Bullish
AFRM, AXP, COF, MBC, V
Published: January 13, 2026 by: Seeking Alpha
Sentiment: Positive

Affirm Holdings remains the leading U.S. BNPL platform, with strong execution, resilient credit metrics, and a multi-year growth runway. AFRM's upcoming quarter, covering the robust holiday shopping period, is expected to showcase continued strength as consumer adoption of BNPL accelerates. Potential credit card interest rate caps could structurally benefit BNPL providers like AFRM, driving further market share gains among underbanked consumers.

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image for news Affirm: Credit Card Interest Rate Cap Could Be Bullish
JPM Earnings "Good," Credit Card Rates Cap Weigh on Financial Sector
AXP, COF, JPM, MBC, V
Published: January 13, 2026 by: Schwab Network
Sentiment: Neutral

Joe Mazzola with @CharlesSchwab shares his takeaways from the CPI report and thinks the most important part is the impact on fixed income: “if we can continue to have stability” in the 10-year, he says, it can boost the equity market. He thought JPMorgan Chase's (JPM) earnings were “good” but thinks Trump's comments about capping credit card rates are weighing on the financial sector.

Read More
image for news JPM Earnings "Good," Credit Card Rates Cap Weigh on Financial Sector
Trump's proposed credit card interest rate cap could curb access for millions of Americans: report
AXP, COF, MBC, V
Published: January 13, 2026 by: Fox Business
Sentiment: Negative

President Trump's proposed 10% credit card interest rate cap could eliminate access for 175 million to 190 million cardholders, with lower and middle income consumers hit hardest.

Read More
image for news Trump's proposed credit card interest rate cap could curb access for millions of Americans: report
Why Capital One (COF) is a Top Value Stock for the Long-Term
COF
Published: January 13, 2026 by: Zacks Investment Research
Sentiment: Positive

Whether you're a value, growth, or momentum investor, finding strong stocks becomes easier with the Zacks Style Scores, a top feature of the Zacks Premium research service.

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image for news Why Capital One (COF) is a Top Value Stock for the Long-Term
Capital One to Pay $425 Million in 360 Savings Interest-Rate Settlement
COF
Published: January 12, 2026 by: WSJ
Sentiment: Negative

Capital One Finance has agreed to pay $425 million over claims it misled consumers about a high-yield savings program.

Read More
image for news Capital One to Pay $425 Million in 360 Savings Interest-Rate Settlement
Capital One $425 million depositor settlement wins preliminary approval following earlier rejection
COF
Published: January 12, 2026 by: Reuters
Sentiment: Positive

A federal judge granted ​preliminary approval on ‌Monday to Capital One's revised $425 million class action settlement with depositors ‌who said they were cheated ​out of high interest rates, two ‍months after rejecting an earlier accord, New York Attorney ⁠General Letitia James ‍said.

Read More
image for news Capital One $425 million depositor settlement wins preliminary approval following earlier rejection
Here's Why Capital One (COF) is a Strong Momentum Stock
COF
Published: January 09, 2026 by: Zacks Investment Research
Sentiment: Positive

Wondering how to pick strong, market-beating stocks for your investment portfolio? Look no further than the Zacks Style Scores.

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image for news Here's Why Capital One (COF) is a Strong Momentum Stock
Capital One vs. AmEx: Which Credit Card Stock Offers Better Upside?
AXP, COF
Published: January 07, 2026 by: Zacks Investment Research
Sentiment: Neutral

COF's Discover deal, strong loan demand and cheaper valuation frame the debate over which credit card stock among COF and AXP is a better bet.

Read More
image for news Capital One vs. AmEx: Which Credit Card Stock Offers Better Upside?
Final Trades: Palo Alto Networks, Capital One, Idexx Labs and the XLB
COF, IDXX, PANW, XLB
Published: January 07, 2026 by: CNBC Television
Sentiment: Neutral

CNBC's “Halftime Report” Investment Committee discuss their top stocks to watch for the second half of the day's trading session.

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image for news Final Trades: Palo Alto Networks, Capital One, Idexx Labs and the XLB
Why Capital One (COF) is a Top Momentum Stock for the Long-Term
COF
Published: December 23, 2025 by: Zacks Investment Research
Sentiment: Positive

The Zacks Style Scores offers investors a way to easily find top-rated stocks based on their investing style. Here's why you should take advantage.

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image for news Why Capital One (COF) is a Top Momentum Stock for the Long-Term
Capital One Financial Corporation (COF) Hit a 52 Week High, Can the Run Continue?
COF
Published: December 18, 2025 by: Zacks Investment Research
Sentiment: Positive

Capital One (COF) is at a 52-week high, but can investors hope for more gains in the future? We take a look at the company's fundamentals for clues.

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image for news Capital One Financial Corporation (COF) Hit a 52 Week High, Can the Run Continue?
Capital One (COF) Is Up 3.12% in One Week: What You Should Know
COF
Published: December 17, 2025 by: Zacks Investment Research
Sentiment: Positive

Does Capital One (COF) have what it takes to be a top stock pick for momentum investors? Let's find out.

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image for news Capital One (COF) Is Up 3.12% in One Week: What You Should Know
Here's Why Capital One (COF) is a Strong Value Stock
COF
Published: December 17, 2025 by: Zacks Investment Research
Sentiment: Positive

Wondering how to pick strong, market-beating stocks for your investment portfolio? Look no further than the Zacks Style Scores.

Read More
image for news Here's Why Capital One (COF) is a Strong Value Stock
The Zacks Analyst Blog Capital One Financial, SoFi and OppFi
COF, OPFI, SOFI
Published: December 17, 2025 by: Zacks Investment Research
Sentiment: Positive

Capital One Financial stands to gain as digital payments grow, rates ease and consumer spending stays strong, extending momentum in payment stocks into 2026.

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image for news The Zacks Analyst Blog Capital One Financial, SoFi and OppFi
Final Trades: Goldman Sachs, Capital One and Monster Beverage
COF, MNST
Published: December 16, 2025 by: CNBC Television
Sentiment: Neutral

The Investment Committee's best bets for this market — don't miss these moves.

Read More
image for news Final Trades: Goldman Sachs, Capital One and Monster Beverage
3 Payment Stocks to Buy as Their Bull Run Extends Into 2026
COF, OPFI, SOFI
Published: December 16, 2025 by: Zacks Investment Research
Sentiment: Positive

The payments space heads into 2026 with tailwinds from rate cuts, tech innovation and rising transaction volumes, setting the stage for sustained growth across the industry.

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image for news 3 Payment Stocks to Buy as Their Bull Run Extends Into 2026
Has Capital One Financial (COF) Outpaced Other Finance Stocks This Year?
COF
Published: December 16, 2025 by: Zacks Investment Research
Sentiment: Positive

Here is how Capital One (COF) and Ageas SA (AGESY) have performed compared to their sector so far this year.

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image for news Has Capital One Financial (COF) Outpaced Other Finance Stocks This Year?
Capital One Car Buying Outlook finds nearly 70% of Car Buyers View Dealers as Trustworthy
COF
Published: December 04, 2025 by: PRNewsWire
Sentiment: Neutral

Fifth annual industry survey reinforces the value of a combined online and digital car buying experience PLANO, Texas , Dec. 4, 2025 /PRNewswire/ -- The 2025 Capital One Car Buying Outlook reveals nearly 70% of car buyers now view dealers as trustworthy—up from 44% just two years ago. This growth in trust is supported by an in-person and digital shopping approach where car buyers research online for convenience while seeking in-person experiences for control and excitement.

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image for news Capital One Car Buying Outlook finds nearly 70% of Car Buyers View Dealers as Trustworthy
Why Capital One (COF) is a Top Value Stock for the Long-Term
COF
Published: November 28, 2025 by: Zacks Investment Research
Sentiment: Positive

Wondering how to pick strong, market-beating stocks for your investment portfolio? Look no further than the Zacks Style Scores.

Read More
image for news Why Capital One (COF) is a Top Value Stock for the Long-Term
Capital One vs. Synchrony: Which Credit Card Lender is a Better Pick?
COF, SYF
Published: November 27, 2025 by: Zacks Investment Research
Sentiment: Negative

Does COF's rising NII and Discover deal make it a better pick than SYF amid its partnerships and pressure on revenues? Let's find out.

Read More
image for news Capital One vs. Synchrony: Which Credit Card Lender is a Better Pick?
Bill Nygren Isn't Worried About Market Volatility. He Likes GM, Delta, and Capital One.
COF, GM
Published: November 20, 2025 by: Barrons
Sentiment: Positive

The Oakmark manager said it's still a good time to find bargains, even in some growth stocks.

Read More
image for news Bill Nygren Isn't Worried About Market Volatility. He Likes GM, Delta, and Capital One.
FDIC Sues Capital One Over Special Assessment Charges Dispute
COF
Published: November 19, 2025 by: Zacks Investment Research
Sentiment: Negative

COF faces an FDIC lawsuit over allegedly underpaid special assessments tied to SVB and Signature Bank failures.

Read More
image for news FDIC Sues Capital One Over Special Assessment Charges Dispute
Capital One's NCO Rates Rise: How Will This Impact its Asset Quality?
COF
Published: November 19, 2025 by: Zacks Investment Research
Sentiment: Neutral

COF faces rising credit stress as October brings higher NCOs and delinquencies, even as loan growth and strategic scale offer some support.

Read More
image for news Capital One's NCO Rates Rise: How Will This Impact its Asset Quality?
Can Capital One Continue to Ride on NII Despite Recent Rate Cuts?
COF
Published: November 18, 2025 by: Zacks Investment Research
Sentiment: Positive

COF's NII momentum holds strong as credit card demand, funding mix gains and the Discover deal support growth despite rate cuts.

Read More
image for news Can Capital One Continue to Ride on NII Despite Recent Rate Cuts?
5 Top-Ranked Non-Tech Giants to Maximize Your Portfolio Returns in 2026
COF, GM, HCA, MS, SCCO
Published: November 12, 2025 by: Zacks Investment Research
Sentiment: Positive

Five non-tech powerhouses, SCCO, HCA, GM, MS and COF, shine as strong 2026 portfolio picks.

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image for news 5 Top-Ranked Non-Tech Giants to Maximize Your Portfolio Returns in 2026
Surging Earnings Estimates Signal Upside for Capital One (COF) Stock
COF
Published: November 10, 2025 by: Zacks Investment Research
Sentiment: Positive

Capital One (COF) shares have started gaining and might continue moving higher in the near term, as indicated by solid earnings estimate revisions.

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image for news Surging Earnings Estimates Signal Upside for Capital One (COF) Stock
Are Finance Stocks Lagging Capital One Financial (COF) This Year?
COF
Published: November 10, 2025 by: Zacks Investment Research
Sentiment: Negative

Here is how Capital One (COF) and ACNB (ACNB) have performed compared to their sector so far this year.

Read More
image for news Are Finance Stocks Lagging Capital One Financial (COF) This Year?
Top Founder-Led Companies That Can Be Safer Long-Term Bets
BRK-A, BRK-B, COF, NVDA, PLTR
Published: November 07, 2025 by: Zacks Investment Research
Sentiment: Positive

NVIDIA, Berkshire Hathaway, Palantir and Capital One stand out as founder-run companies with strong vision, innovation and long-term growth drivers.

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image for news Top Founder-Led Companies That Can Be Safer Long-Term Bets
Capital One Stock Rises 21.6% YTD: Is There More Upside Ahead?
COF
Published: November 07, 2025 by: Zacks Investment Research
Sentiment: Positive

COF surges 21.6% YTD on solid financial performance, the Discover buyout, relatively higher rates and a robust balance sheet. Can the momentum continue?

Read More
image for news Capital One Stock Rises 21.6% YTD: Is There More Upside Ahead?
US judge rejects Capital One $425 million settlement with depositors
COF
Published: November 07, 2025 by: Reuters
Sentiment: Negative

A federal judge rejected Capital One's $425 million settlement with depositors who said they were cheated out of high interest rates, saying the payout was too small and millions of account holders would continue to be short-changed.

Read More
image for news US judge rejects Capital One $425 million settlement with depositors

About Capital One Financial Corporation (COF)

  • IPO Date 1994-11-16
  • Website https://www.capitalone.com
  • Industry Financial - Credit Services
  • CEO Richard D. Fairbank
  • Employees 53900

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.