(COF) Capital One Financial - Overview
Exchange: NYSE •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US14040H1059
Stock:
Total Rating 24
Risk 36
Buy Signal -1.02
| Risk 5d forecast | |
|---|---|
| Volatility | 59.2% |
| Relative Tail Risk | -6.76% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.11 |
| Alpha | -20.71 |
| Character TTM | |
|---|---|
| Beta | 1.376 |
| Beta Downside | 1.380 |
| Drawdowns 3y | |
|---|---|
| Max DD | 28.24% |
| CAGR/Max DD | 0.83 |
EPS (Earnings per Share)
Revenue
Description: COF Capital One Financial
Capital One Financial Corporation operates as the financial services holding company for the Capital One, National Association, which engages in the provision of 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, time deposits, and sweep accounts. Its loan products include credit card and personal loans; auto and retail banking loans; and commercial and multifamily real estate, and commercial and industrial loans. The company offers credit and debit card products; bank lending; and provides advisory, capital markets, net interchange, 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 the District of Columbia. Capital One Financial Corporation was founded in 1988 and is headquartered in McLean, Virginia.
Piotroski VR‑10 (Strict, 0-10) 3.5
| Net Income: 2.45b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.04 > 0.02 and ΔFCF/TA 0.68 > 1.0 |
| NWC/Revenue: -538.1% < 20% (prev -582.7%; Δ 44.63% < -1%) |
| CFO/TA 0.04 > 3% & CFO 27.72b > Net Income 2.45b |
| Net Debt (-3.03b) to EBITDA (7.54b): -0.40 < 3 |
| Current Ratio: 0.21 > 1.5 & < 3 |
| Outstanding Shares: last quarter (541.3m) vs 12m ago 41.18% < -2% |
| Gross Margin: 47.33% > 18% (prev 0.51%; Δ 4683 % > 0.5%) |
| Asset Turnover: 11.95% > 50% (prev 11.00%; Δ 0.94% > 0%) |
| Interest Coverage Ratio: 0.07 > 6 (EBITDA TTM 7.54b / Interest Expense TTM 30.50b) |
Altman Z'' -3.20
| A: -0.56 (Total Current Assets 97.57b - Total Current Liabilities 470.23b) / Total Assets 669.01b |
| B: 0.10 (Retained Earnings 65.19b / Total Assets 669.01b) |
| C: 0.00 (EBIT TTM 2.28b / Avg Total Assets 579.58b) |
| D: 0.11 (Book Value of Equity 59.73b / Total Liabilities 555.39b) |
| Altman-Z'' Score: -3.20 = D |
Beneish M -2.76
| DSRI: 1.07 (Receivables 3.49b/2.53b, Revenue 69.25b/53.94b) |
| GMI: 1.07 (GM 47.33% / 50.79%) |
| AQI: 0.95 (AQ_t 0.85 / AQ_t-1 0.89) |
| SGI: 1.28 (Revenue 69.25b / 53.94b) |
| TATA: -0.04 (NI 2.45b - CFO 27.72b) / TA 669.01b) |
| Beneish M-Score: -2.76 (Cap -4..+1) = A |
What is the price of COF shares?
As of February 28, 2026, the stock is trading at USD 195.64 with a total of 8,877,512 shares traded.
Over the past week, the price has changed by -6.13%, over one month by -9.54%, over three months by -10.35% and over the past year by +0.67%.
Over the past week, the price has changed by -6.13%, over one month by -9.54%, over three months by -10.35% and over the past year by +0.67%.
Is COF a buy, sell or hold?
Capital One Financial has received a consensus analysts rating of 4.18.
Therefore, it is recommended to buy COF.
- StrongBuy: 11
- Buy: 4
- Hold: 7
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the COF price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 276.7 | 41.4% |
| Analysts Target Price | 276.7 | 41.4% |
COF Fundamental Data Overview February 28, 2026
P/E Trailing = 62.0446
P/E Forward = 10.8578
P/S = 4.0432
P/B = 1.2322
P/EG = 0.6207
Revenue TTM = 69.25b USD
EBIT TTM = 2.28b USD
EBITDA TTM = 7.54b USD
Long Term Debt = 48.85b USD (from longTermDebt, last quarter)
Short Term Debt = 616.0m USD (from shortTermDebt, two quarters ago)
Debt = 51.48b USD (from shortLongTermDebtTotal, two quarters ago)
Net Debt = -3.03b USD (from netDebt column, last quarter)
Enterprise Value = 89.93b USD (132.53b + Debt 51.48b - CCE 94.08b)
Interest Coverage Ratio = 0.07 (Ebit TTM 2.28b / Interest Expense TTM 30.50b)
EV/FCF = 3.24x (Enterprise Value 89.93b / FCF TTM 27.72b)
FCF Yield = 30.82% (FCF TTM 27.72b / Enterprise Value 89.93b)
FCF Margin = 40.02% (FCF TTM 27.72b / Revenue TTM 69.25b)
Net Margin = 3.54% (Net Income TTM 2.45b / Revenue TTM 69.25b)
Gross Margin = 47.33% ((Revenue TTM 69.25b - Cost of Revenue TTM 36.47b) / Revenue TTM)
Gross Margin QoQ = 57.59% (prev 64.13%)
Tobins Q-Ratio = 0.13 (Enterprise Value 89.93b / Total Assets 669.01b)
Interest Expense / Debt = 36.71% (Interest Expense 18.90b / Debt 51.48b)
Taxrate = 16.44% (345.0m / 2.10b)
NOPAT = 1.91b (EBIT 2.28b * (1 - 16.44%))
Current Ratio = 0.21 (Total Current Assets 97.57b / Total Current Liabilities 470.23b)
Debt / Equity = 0.45 (Debt 51.48b / totalStockholderEquity, last quarter 113.62b)
Debt / EBITDA = -0.40 (Net Debt -3.03b / EBITDA 7.54b)
Debt / FCF = -0.11 (Net Debt -3.03b / FCF TTM 27.72b)
Total Stockholder Equity = 100.48b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.42% (Net Income 2.45b / Total Assets 669.01b)
RoE = 2.44% (Net Income TTM 2.45b / Total Stockholder Equity 100.48b)
RoCE = 1.53% (EBIT 2.28b / Capital Employed (Equity 100.48b + L.T.Debt 48.85b))
RoIC = 1.32% (NOPAT 1.91b / Invested Capital 144.09b)
WACC = 16.50% (E(132.53b)/V(184.01b) * Re(10.99%) + D(51.48b)/V(184.01b) * Rd(36.71%) * (1-Tc(0.16)))
Discount Rate = 10.99% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 18.91%
[DCF] Terminal Value 58.36% ; FCFF base≈23.41b ; Y1≈28.88b ; Y5≈49.19b
[DCF] Fair Price = 480.3 (EV 297.22b - Net Debt -3.03b = Equity 300.25b / Shares 625.1m; r=16.50% [WACC]; 5y FCF grow 25.0% → 2.90% )
EPS Correlation: 14.07 | EPS CAGR: -9.53% | SUE: -0.34 | # QB: 0
Revenue Correlation: 94.48 | Revenue CAGR: 26.47% | SUE: 3.42 | # QB: 2
EPS next Quarter (2026-03-31): EPS=4.75 | Chg7d=+0.011 | Chg30d=-0.050 | Revisions Net=-1 | Analysts=15
EPS current Year (2026-12-31): EPS=20.32 | Chg7d=-0.154 | Chg30d=-0.103 | Revisions Net=-9 | Growth EPS=+3.6% | Growth Revenue=+18.8%
EPS next Year (2027-12-31): EPS=24.58 | Chg7d=-0.367 | Chg30d=-0.441 | Revisions Net=-2 | Growth EPS=+21.0% | Growth Revenue=+5.1%
[Analyst] Revisions Ratio: -0.08 (6 Up / 7 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 9.4% (Discount Rate 11.0% - Earnings Yield 1.6%)
[Growth] Growth Spread = +45.2% (Analyst 54.6% - Implied 9.4%)
P/E Forward = 10.8578
P/S = 4.0432
P/B = 1.2322
P/EG = 0.6207
Revenue TTM = 69.25b USD
EBIT TTM = 2.28b USD
EBITDA TTM = 7.54b USD
Long Term Debt = 48.85b USD (from longTermDebt, last quarter)
Short Term Debt = 616.0m USD (from shortTermDebt, two quarters ago)
Debt = 51.48b USD (from shortLongTermDebtTotal, two quarters ago)
Net Debt = -3.03b USD (from netDebt column, last quarter)
Enterprise Value = 89.93b USD (132.53b + Debt 51.48b - CCE 94.08b)
Interest Coverage Ratio = 0.07 (Ebit TTM 2.28b / Interest Expense TTM 30.50b)
EV/FCF = 3.24x (Enterprise Value 89.93b / FCF TTM 27.72b)
FCF Yield = 30.82% (FCF TTM 27.72b / Enterprise Value 89.93b)
FCF Margin = 40.02% (FCF TTM 27.72b / Revenue TTM 69.25b)
Net Margin = 3.54% (Net Income TTM 2.45b / Revenue TTM 69.25b)
Gross Margin = 47.33% ((Revenue TTM 69.25b - Cost of Revenue TTM 36.47b) / Revenue TTM)
Gross Margin QoQ = 57.59% (prev 64.13%)
Tobins Q-Ratio = 0.13 (Enterprise Value 89.93b / Total Assets 669.01b)
Interest Expense / Debt = 36.71% (Interest Expense 18.90b / Debt 51.48b)
Taxrate = 16.44% (345.0m / 2.10b)
NOPAT = 1.91b (EBIT 2.28b * (1 - 16.44%))
Current Ratio = 0.21 (Total Current Assets 97.57b / Total Current Liabilities 470.23b)
Debt / Equity = 0.45 (Debt 51.48b / totalStockholderEquity, last quarter 113.62b)
Debt / EBITDA = -0.40 (Net Debt -3.03b / EBITDA 7.54b)
Debt / FCF = -0.11 (Net Debt -3.03b / FCF TTM 27.72b)
Total Stockholder Equity = 100.48b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.42% (Net Income 2.45b / Total Assets 669.01b)
RoE = 2.44% (Net Income TTM 2.45b / Total Stockholder Equity 100.48b)
RoCE = 1.53% (EBIT 2.28b / Capital Employed (Equity 100.48b + L.T.Debt 48.85b))
RoIC = 1.32% (NOPAT 1.91b / Invested Capital 144.09b)
WACC = 16.50% (E(132.53b)/V(184.01b) * Re(10.99%) + D(51.48b)/V(184.01b) * Rd(36.71%) * (1-Tc(0.16)))
Discount Rate = 10.99% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 18.91%
[DCF] Terminal Value 58.36% ; FCFF base≈23.41b ; Y1≈28.88b ; Y5≈49.19b
[DCF] Fair Price = 480.3 (EV 297.22b - Net Debt -3.03b = Equity 300.25b / Shares 625.1m; r=16.50% [WACC]; 5y FCF grow 25.0% → 2.90% )
EPS Correlation: 14.07 | EPS CAGR: -9.53% | SUE: -0.34 | # QB: 0
Revenue Correlation: 94.48 | Revenue CAGR: 26.47% | SUE: 3.42 | # QB: 2
EPS next Quarter (2026-03-31): EPS=4.75 | Chg7d=+0.011 | Chg30d=-0.050 | Revisions Net=-1 | Analysts=15
EPS current Year (2026-12-31): EPS=20.32 | Chg7d=-0.154 | Chg30d=-0.103 | Revisions Net=-9 | Growth EPS=+3.6% | Growth Revenue=+18.8%
EPS next Year (2027-12-31): EPS=24.58 | Chg7d=-0.367 | Chg30d=-0.441 | Revisions Net=-2 | Growth EPS=+21.0% | Growth Revenue=+5.1%
[Analyst] Revisions Ratio: -0.08 (6 Up / 7 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 9.4% (Discount Rate 11.0% - Earnings Yield 1.6%)
[Growth] Growth Spread = +45.2% (Analyst 54.6% - Implied 9.4%)