COF

NYSE · Financial Services

Capital One Financial Corp

Q: What does Capital One Financial Corporation do?

Capital One operates as a consumer-focused bank specializing in credit cards, auto loans, and deposit accounts. The company earns net interest income from loan balances and interchange fees from card transactions. Capital One built a technology-driven direct banking model enabling data analytics for credit underwriting and customer acquisition. The bank serves consumers across credit score segments with tailored products from premium rewards cards to secured credit products.

Q: Is COF stock a good investment?

Capital One generates high returns on equity when credit conditions are favorable, with strong earnings from its credit card portfolio. The company invests heavily in technology and digital banking capabilities. However, the business model carries significant credit risk exposure to consumer delinquencies during economic downturns. Interest rate changes and competition from fintech lenders also impact profitability. The stock tends to trade at discounts to book value reflecting cyclical credit risk.

Q: Who are Capital One Financial Corporation's main competitors?

JPMorgan Chase and American Express compete for premium credit card customers with lucrative rewards programs. Discover Financial operates a similar direct banking model focused on credit cards. Wells Fargo and Bank of America compete in auto lending and retail banking. Fintech companies like SoFi and Affirm challenge traditional lending with alternative credit models.

Q: Does Capital One Financial Corporation pay dividends?

Capital One pays a quarterly dividend subject to regulatory capital requirements and board approval. The bank has historically balanced dividends with share repurchases based on capital generation and regulatory stress test results. During periods of elevated credit losses, Capital One may suspend or reduce capital returns to maintain regulatory buffers.

Q: What is COF's stock price today?

COF last closed at $185.23, up 0.32% in the most recent trading session. Over the past 52 weeks, the stock has traded between a low of $143.22 and a high of $259.64. The current price represents 36% of its 52-week range, which helps investors gauge where the stock sits relative to its recent trading history.

Q: What do Wall Street analysts say about COF?

Among 28 analysts covering COF, the consensus rating is Strong Buy — 22 rate it a buy, 6 hold, and 0 sell. The average price target sits at $266.05, implying 44% upside from the current price. Keep in mind that analyst targets reflect 12-month expectations and can shift quickly after earnings reports or major company events.

Q: Is Capital One Financial Corp profitable?

Capital One Financial Corp generated $54.16B in revenue during fiscal year 2026, with $2.82B reaching the bottom line as net income. The net profit margin of 21.5% is strong by most industry standards.

Q: What is COF's P/E ratio?

COF trades at a P/E ratio of 45.99 on trailing earnings of $3.56 per share. That's above the S&P 500 historical average, suggesting the market expects above-average earnings growth ahead. Comparing this multiple against Financial Services sector peers gives better context than the broad market alone, since P/E norms vary significantly across industries.

S&P 500 Large-Cap Stocks Blue Chip Stocks Bank & Financial Stocks Best Dividend Stocks Highest Dividend Yield

$185.23

+0.59 (+0.32%)

As of Mar 25, 9:31 PM ET ·

Day Range $183.80 — $189.78

52W Range $143.22 — $259.64

Performance

1D —

1W —

1M —

3M -25.71%

6M -17.16%

1Y +3.00%

YTD -25.29%

Open$187.74

Previous Close$184.64

Day High$189.78

Day Low$183.80

52W High$259.64

52W Low$143.22

Volume—

Avg Volume5.59M

Market Cap112.82B

P/E Ratio45.99

EPS$3.56

SectorFinancial Services

Technical Indicators

Full analysis →

SMA 50 $232.18 Below

SMA 200 $217.02 Below

RSI (14) 34.8 Neutral

Trend Golden Cross Bullish

Analyst Ratings

Strong Buy

28 analysts

22 Buy 6 Hold 0 Sell

Price Target +43.6% upside

Current
$185.23

Target
$266.05

$156.10 $266.05 avg $337.76

Key Financials

	FY 2026	FY 2025	FY 2024
Revenue	54.16B	52.54B	26.55B
Net Income	2.82B	2.46B	9.60B
Profit Margin	21.5%	20.4%	36.2%
EBITDA	8.66B	7.98B	13.57B
Free Cash Flow	—	—	4.17B
Rev Growth	+3.1%	+3.1%	+22.3%
Debt/Equity	0.44	0.44	0.09

Dividend

Dividend Yield6.52%

Annual Dividend$3.51

Payout Ratio72.1%

Frequencyquarterly

Ex-DividendMar 14, 2026

Pay DateMar 25, 2026

Recent Insider Activity

All Insiders →

Date	Insider	Type	Shares	Price	Value
Mar 3	Dean Lia	Sale	63,108	$191.00	$12.05M
Mar 3	Karam Celia	Sale	60,339	$191.00	$11.52M
Mar 2	Mouadeb Mark Daniel	Sale	49,382	$210.00	$10.37M
Feb 26	Blinde Neal	Sale	71,042	$188.04	$13.36M
Feb 26	Blinde Neal	Sale	67,860	$189.38	$12.85M

About Capital One Financial Corp

Capital One Financial Corporation is a consumer finance company headquartered in Virginia specializing in credit cards, auto loans, and banking services. The company operates both in-person branches and digital banking platforms serving millions of consumers across North America.

Financial Services Peers

Symbol	Name	Price	Change	P/E	Mkt Cap
BRK.B	Berkshire Hathaway Inc	$476.19	-0.66%	15.9	1.07T
V	Visa Inc	$304.91	+0.38%	29.0	603.38B
MA	Mastercard Inc	$502.76	+0.77%	30.8	461.31B
MS	Morgan Stanley	$165.65	-0.13%	16.4	275.98B
GS	Goldman Sachs Group	$841.84	+0.73%	16.0	274.87B
AXP	American Express Co	$300.24	-0.58%	21.6	233.63B

COF Frequently Asked Questions

What does Capital One Financial Corporation do?

Capital One operates as a consumer-focused bank specializing in credit cards, auto loans, and deposit accounts. The company earns net interest income from loan balances and interchange fees from card transactions. Capital One built a technology-driven direct banking model enabling data analytics for credit underwriting and customer acquisition. The bank serves consumers across credit score segments with tailored products from premium rewards cards to secured credit products.

Is COF stock a good investment?

Capital One generates high returns on equity when credit conditions are favorable, with strong earnings from its credit card portfolio. The company invests heavily in technology and digital banking capabilities. However, the business model carries significant credit risk exposure to consumer delinquencies during economic downturns. Interest rate changes and competition from fintech lenders also impact profitability. The stock tends to trade at discounts to book value reflecting cyclical credit risk.

Who are Capital One Financial Corporation's main competitors?

JPMorgan Chase and American Express compete for premium credit card customers with lucrative rewards programs. Discover Financial operates a similar direct banking model focused on credit cards. Wells Fargo and Bank of America compete in auto lending and retail banking. Fintech companies like SoFi and Affirm challenge traditional lending with alternative credit models.

Does Capital One Financial Corporation pay dividends?

Capital One pays a quarterly dividend subject to regulatory capital requirements and board approval. The bank has historically balanced dividends with share repurchases based on capital generation and regulatory stress test results. During periods of elevated credit losses, Capital One may suspend or reduce capital returns to maintain regulatory buffers.

What is COF's stock price today?

COF last closed at $185.23, up 0.32% in the most recent trading session. Over the past 52 weeks, the stock has traded between a low of $143.22 and a high of $259.64. The current price represents 36% of its 52-week range, which helps investors gauge where the stock sits relative to its recent trading history.

What do Wall Street analysts say about COF?

Among 28 analysts covering COF, the consensus rating is Strong Buy — 22 rate it a buy, 6 hold, and 0 sell. The average price target sits at $266.05, implying 44% upside from the current price. Keep in mind that analyst targets reflect 12-month expectations and can shift quickly after earnings reports or major company events.

Is Capital One Financial Corp profitable?

Capital One Financial Corp generated $54.16B in revenue during fiscal year 2026, with $2.82B reaching the bottom line as net income. The net profit margin of 21.5% is strong by most industry standards.

What is COF's P/E ratio?

COF trades at a P/E ratio of 45.99 on trailing earnings of $3.56 per share. That's above the S&P 500 historical average, suggesting the market expects above-average earnings growth ahead. Comparing this multiple against Financial Services sector peers gives better context than the broad market alone, since P/E norms vary significantly across industries.

How has COF stock performed recently?

Performance varies across timeframes, reflecting shifting market conditions. Returns by timeframe: -25.71% (3M), -17.16% (6M), +3.00% (1Y), -25.29% (YTD). Comparing these figures against the S&P 500 and sector benchmarks helps determine whether COF is outperforming or lagging the broader market.