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COFCapital One Financial Corporation
$202.89$125.0B
Overview & Verdict
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COF logoCapital One Financial Corporation(COF)Earnings, Financials & Key Ratios

COF•NYSE•Banking & Credit
$202.89
50.3× P/E·Price updated Jul 7, 2026
SectorFinancial ServicesIndustryCredit ServicesSub-IndustryConsumer Credit Issuers and Installment Lenders
AboutCapital 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.Show more
  • Net Interest Income$42.88B+37.4%
  • Total Revenue$69.25B+28.4%
  • Net Income$2.45B-48.4%
  • Return on Equity2.81%-64.8%
  • Net Interest Margin6.41%+0.7%
  • Efficiency Ratio44.04%+10.6%
  • ROA0.42%-56.9%
  • Equity / Assets16.98%+36.9%
  • Book Value per Share209.89+32.5%

COF Price & Volume

Capital One Financial Corporation (COF) stock price & volume — 10-year historical chart

Loading chart...

Strategic Consolidation Masks Cyclical Credit Margin Volatility

Investment Thesis • Updated 2026Q1

VerdictNeutral
Growth:Expanding
Profitability:Strained
Financial:Mixed
Cash Flow:Mixed
Primary Risk:Credit cycle and regulatory headwinds

Key Thesis Takeaways

  • Capital One is aggressively scaling its balance sheet through large-scale acquisitions, as evidenced by total assets growing to $682.7 billion in 2026Q1, though this strategy introduces significant integration and credit risk.
  • While revenue has climbed to $19.3 billion, the firm's profitability remains highly sensitive to CECL-driven provision swings, which caused a $4.3 billion net loss in 2025Q2.
  • Investors should monitor whether the shift toward consolidation can overcome the structural headwinds facing fee-based income and the ongoing volatility in operating margins.

Verdict Logic

while the forward P/E of 10.45 suggests potential value, the extreme volatility in net margins, which swung from -26.1% in 2025Q2 to 11.3% in 2026Q1, warrants a cautious approach regarding credit cycle exposure.

COF Growth Metrics

Capital One Financial Corporation (COF) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years10.71%
5 Years16.96%
3 Years21.75%
TTM-

Profit CAGR

10 Years-4.89%
5 Years-2%
3 Years-30.67%
TTM-33.87%

EPS CAGR

10 Years-5.47%
5 Years-4.9%
3 Years-39.18%
TTM-76.07%

Return on Capital

10 Years5.78%
5 Years6.4%
3 Years3.64%
Last Year1.44%

COF Recent Earnings

Capital One Financial Corporation (COF) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 7/12 qtrs (58%)●Beat Revenue 7/12 qtrs (58%)
Q2 2026Latest
Apr 21, 2026
Metric
Actual
Est
EPS
$4.42-1.8%
$4.50
Rev
$15.2B-0.7%
$15.3B
Q1 2026
Jan 22, 2026
Metric
Actual
Est
EPS
$3.86-6.8%
$4.14
Rev
$15.6B+0.7%
$15.5B
Q4 2025
Oct 21, 2025
Metric
Actual
Est
EPS
$5.95+32.5%
$4.49
Rev
$15.4B+1.9%
$15.1B
Q3 2025
Jul 22, 2025
Metric
Actual
Est
EPS
$5.48+35.3%
$4.05
Rev
$12.6B+1.7%
$12.4B
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 21, 2026
$4.42vs $4.50-1.8%
$15.2Bvs $15.3B-0.7%
Q1 2026Jan 22, 2026
$3.86vs $4.14-6.8%
$15.6Bvs $15.5B+0.7%
Q4 2025Oct 21, 2025
$5.95vs $4.49+32.5%
$15.4Bvs $15.1B+1.9%
Q3 2025Jul 22, 2025
$5.48vs $4.05+35.3%
$12.6Bvs $12.4B+1.7%
Based on last 12 quarters of dataView full earnings history →

Latest COF News

Recent stock market news and headlines for Capital One Financial Corporation (COF)

Business Wire·Jun 25, 2026
Capital One Financial Corporation to Webcast Conference Call on Second Quarter 2026 Earnings

MCLEAN, Va.--(BUSINESS WIRE)--On Tuesday, July 21, 2026, at approximately 4:05 p.m. Eastern Time, Capital One Financial Corporation (NYSE: COF) will release its second quarter 2026 earnings results. Additionally, the company will host a conference call at 5:00 p.m. Eastern Time to review financial and operating performance for the quarter ending June 30, 2026. The call will be webcast live and the earnings release will be available on the company's homepage at www.capitalone.com. A replay of th.

Business Wire·Jun 24, 2026
Capital One Announces Stress Test Results

MCLEAN, Va.--(BUSINESS WIRE)--Capital One Financial Corporation (NYSE: COF) posted a summary of its company-run stress test results on its website (www.capitalone.com). This summary shows the results of Capital One's modeling of the severely adverse scenario published by the Board of Governors of the Federal Reserve System (the “Federal Reserve”). From the home page, select “About” choose “Investors” to access the Investor Center, select "Financials," and then choose “Stress Test Results” to vi.

Seeking Alpha·Jun 22, 2026
Capital One: Totally Mispriced For Recession And Rising Defaults

Capital One Financial Corp. is fully priced at 1.83x tangible book value, with significant downside risk if macro headwinds intensify. COF's heavy exposure to uncollateralized credit card and signature loans makes it uniquely vulnerable to consumer stress in a recession or inflationary spike. Rising oil prices, geopolitical instability, and potential interest rate hikes could sharply increase defaults and compress lending margins, threatening tangible equity.

GuruFocus·Jun 16, 2026
Capital One Software Introduces Databolt Connect for Secure Data Collaboration on Databricks Marketplace

Databricks Data + AI Summit – [url="]Capital One Software[/url], the enterprise B2B software business of Capital One, today announced Databolt Connect, a pur

Business Wire·Jun 16, 2026
Capital One Software Introduces Databolt Connect for Secure Data Collaboration on Databricks Marketplace

SAN FRANCISCO--(BUSINESS WIRE)--Databricks Data + AI Summit – Capital One Software, the enterprise B2B software business of Capital One, today announced Databolt Connect, a purpose-built, lightweight application that facilitates secure, multi-party data collaboration in Databricks. Available in the Databricks Marketplace, an open marketplace for data, analytics, and AI, powered by OpenSharing, Databolt Connect provides privacy-preserving linking of sensitive datasets to enable groundbreaking re.

Peers Comparison

Key metrics vs top competitors for Capital One Financial Corporation (COF)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
COF logoCOFCapital One Financial CorporationCurrent
$202.89$124.98B50.3428.39%3.54%2.81%1.38%
SYF logoSYFSynchrony Financial
$76.77$25.82B8.26-7.91%18.08%21.41%—
AXP logoAXPAmerican Express Company
$349.58$239.74B22.738.44%13.61%33.95%—
BAC logoBACBank of America Corporation
$59.86$424.8B15.67-0.45%18.13%10.5%—
JPM logoJPMJPMorgan Chase & Co.
$339.22$908.94B16.923.31%20.66%16.32%—
C logoCCitigroup Inc.
$140.75$241.37B20.14-1.41%9.34%7.49%—

Compare COF vs Peers

Capital One Financial Corporation (COF) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs SYF

Most directly comparable listed peer for COF.

Scale Benchmark

vs JPM

Larger-name benchmark to compare COF against a more recognizable public peer.

Peer Set

Compare Top 5

vs SYF, AXP, BAC, JPM

COF SEC Filings & Documents

Capital One Financial Corporation (COF) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Jun 15, 2026·SEC

Material company update

Jun 9, 2026·SEC

Material company update

Jun 8, 2026·SEC

10-K Annual Reports

2
FY 2026

Feb 19, 2026·SEC

FY 2025

Feb 20, 2025·SEC

10-Q Quarterly Reports

4
FY 2026

May 7, 2026·SEC

FY 2025

Nov 3, 2025·SEC

FY 2025

Jul 31, 2025·SEC

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COF Frequently Asked Questions

Capital One Financial Corporation (COF) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is Capital One Financial Corporation growing?

Capital One Financial Corporation (COF) grew revenue by 28.4% over the past year. This is strong growth.

Is COF profitable?

Yes, Capital One Financial Corporation (COF) is profitable, generating $3.22B in net income for fiscal year 2025 (3.5% net margin).

Dividend & Returns
Does COF pay dividends?

Yes, Capital One Financial Corporation (COF) pays a dividend with a yield of 1.38%. This makes it attractive for income-focused investors.

What is COF's return on equity?

Capital One Financial Corporation (COF) has a return on equity (ROE) of 2.8%. This is below average, suggesting room for improvement.

Industry Metrics
What is Capital One Financial Corporation's net interest margin?

Capital One Financial Corporation (COF) has a net interest margin (NIM) of 6.4%. This indicates healthy earnings from lending activities.

What is Capital One Financial Corporation's efficiency ratio?

Capital One Financial Corporation (COF) has an efficiency ratio of 44.0%. This is excellent, indicating strong cost control.

What if you invested $1,000 in COF back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

See returns →