COF Stock Analysis: Capital One Financial | NYSE
Credit Services | NYSE, USA | Market Cap: 128.059m USD | 12M Return: -3.5% | US14040H1059 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 769M
EPS Trend: 96.6%
Qual. Beats: 2
Rev. Trend: 96.0%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Capital One Financial Corporation (NYSE: COF) is a large-cap U.S. financial services holding company that operates through Capital One, National Association, with a presence in the United States, Canada, and the United Kingdom. The company is classified within the GICS Consumer Finance sub-industry, reflecting its mix of lending and deposit-taking activities aimed primarily at retail consumers. Founded in 1988 and headquartered in McLean, Virginia, Capital One went public in 1994.
The company runs three reporting segments: Credit Card, Consumer Banking, and Commercial Banking. Its deposit products include checking, money market, savings, time, and sweep accounts, while its lending portfolio spans credit card and personal loans, auto and retail banking loans, as well as commercial and multifamily real estate and commercial and industrial loans. Capital One also offers credit and debit cards, bank lending, and ancillary services such as advisory, capital markets, net interchange, treasury management, and depository services.
Capital One serves consumers, small businesses, and commercial clients through a multi-channel distribution model that combines digital platforms with physical branches and Capital One Cafés. Its U.S. branch footprint is concentrated in a handful of states, including New York, Louisiana, Texas, Maryland, Virginia, New Jersey, and the District of Columbia, rather than maintaining a nationwide brick-and-mortar network.
- Credit card outstandings growth drives net interest income
- Discover acquisition expands scale and merchant network
- Rising delinquencies pressure credit card charge-offs
| Net Income: 10.9b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.05 > 0.02 and ΔFCF/TA 2.03 > 1.0 |
| NWC/Revenue: -428.1% < 20% (prev -642.6%; Δ 214.6% < -1%) |
| CFO/TA 0.05 > 3% & CFO 31.5b > Net Income 10.9b |
| Net Debt (-88.9b) to EBITDA (22.0b): -4.04 < 3 |
| Current Ratio: 0.30 > 1.5 & < 3 |
| Outstanding Shares: last quarter (609.5m) vs 12m ago -4.69% < -2% |
| Gross Margin: 66.60% > 18% (prev 45.83%; Δ 20.77% > 0.5%) |
| Asset Turnover: 11.86% > 50% (prev 9.59%; Δ 2.27% > 0%) |
| Interest Coverage Ratio: 1.02 > 6 (EBIT TTM 16.7b / Interest Expense TTM 16.3b) |
| A: -0.50 (Total Current Assets 143b - Total Current Liabilities 482b) / Total Assets 673b |
| B: 0.11 (Retained Earnings 72.2b / Total Assets 673b) |
| C: 0.03 (EBIT TTM 16.7b / Avg Total Assets 667b) |
| D: 0.19 (Book Value of Equity 110b / Total Liabilities 563b) |
| Altman-Z'' = -2.58 = D |
| DSRI: 0.82 (Receivables 3.53b/3.46b, Revenue 79.1b/63.4b) |
| GMI: 0.69 (GM 45.83% / 66.60%) |
| AQI: 0.87 (AQ_t 0.78 / AQ_t-1 0.90) |
| SGI: 1.25 (Revenue 79.1b / 63.4b) |
| TATA: -0.03 (NI 10.9b - CFO 31.5b) / TA 673b) |
| Beneish M = -3.36 (Cap -4..+1) = AA |
As of November 03, 2026, the stock is trading at USD 210.77 with a total of 4,960,943 shares traded. Over the past week, the price has changed by +4.16%, over one month by +8.24%, over three months by -2.83% and over the past year by -3.45%.
Current recommended Stop Loss: 204.20 (which is 3.1% or 1.3 ATR below the current price).
Capital One Financial has received a consensus analysts rating of 4.38. Therefore, it is recommended to buy COF.
- StrongBuy: 14
- Buy: 5
- Hold: 5
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 255.5 | 21.2% |
P/E Trailing = 12.7904
P/E Forward = 8.6059
P/S = 2.6192
P/B = 1.1462
P/EG = 0.1808
Revenue TTM = 79.1b USD
EBIT TTM = 16.7b USD
EBITDA TTM = 22.0b USD
Long Term Debt = 48.9b USD (from longTermDebt, last fiscal year)
Short Term Debt = 612.0m USD (from shortTermDebt, last quarter)
Debt = 49.8b USD (from shortLongTermDebtTotal, last quarter) + Leases 20.0m
Net Debt = -88.9b USD (calculated: Debt 49.8b - CCE 139b)
Enterprise Value = 39.2b USD (128b + Debt 49.8b - CCE 139b)
Interest Coverage Ratio = 1.02 (Ebit TTM 16.7b / Interest Expense TTM 16.3b)
EV/FCF = 1.22x (Enterprise Value 39.2b / FCF TTM 32.2b)
FCF Yield = 82.16% (FCF TTM 32.2b / Enterprise Value 39.2b)
FCF Margin = 40.68% (FCF TTM 32.2b / Revenue TTM 79.1b)
Net Margin = 13.73% (Net Income TTM 10.9b / Revenue TTM 79.1b)
Gross Margin = 66.60% ((Revenue TTM 79.1b - Cost of Revenue TTM 26.4b) / Revenue TTM)
Gross Margin QoQ = 65.96% (prev 84.95%)
Tobins Q-Ratio = 0.06 (Enterprise Value 39.2b / Total Assets 673b)
Interest Expense / Debt = 32.80% (Interest Expense 16.3b / Debt 49.8b)
Taxrate = 20.43% (2.69b / 13.2b)
NOPAT = 13.3b (EBIT 16.7b * (1 - 20.43%))
Current Ratio = 0.30 (Total Current Assets 143b / Total Current Liabilities 482b)
Debt / Equity = 0.45 (Debt 49.8b / totalStockholderEquity, last quarter 110b)
Debt / EBITDA = -4.04 (Net Debt -88.9b / EBITDA 22.0b)
Debt / FCF = -2.76 (Net Debt -88.9b / FCF TTM 32.2b)
Total Stockholder Equity = 112b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.63% (Net Income 10.9b / Total Assets 673b)
RoE = 9.67% (Net Income TTM 10.9b / Total Stockholder Equity 112b)
RoCE = 10.37% (EBIT 16.7b / Capital Employed (Equity 112b + L.T.Debt 48.9b))
RoIC = 7.10% (NOPAT 13.3b / Invested Capital 187b)
WACC = 14.47% (E(128b)/V(178b) * Re(9.95%) + D(49.8b)/V(178b) * Rd(32.80%) * (1-Tc(0.20)))
Discount Rate = 9.95% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 88.08 | Cagr: 22.81%
[DCF] Terminal Value 60.75% ; FCFF base≈26.6b ; Y1≈30.5b ; Y5≈44.9b
[DCF] Fair Price = 669.6 (EV 322b - Net Debt -88.9b = Equity 411b / Shares 613.5m; r=14.47% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 96.61 | EPS CAGR: 23.40% | SUE: 1.66 | # QB: 2
Revenue Correlation: 96.02 | Revenue CAGR: 20.67% | SUE: 0.77 | # QB: 0
EPS current Quarter (2027-03-31): EPS=5.73 | Chg30d=-2.21% | Revisions=+17% | Analysts=12
EPS current Year (2026-12-31): EPS=21.56 | Chg30d=+5.71% | Revisions=+55% | GrowthEPS=+10.0% | GrowthRev=+19.9%
EPS next Year (2027-12-31): EPS=23.97 | Chg30d=-0.53% | Revisions=-8% | GrowthEPS=+11.2% | GrowthRev=+5.4%
[Analyst] Revisions Ratio: +26% (up=13, down=7)