Capital One Financial Corporation

COF Financial Services Financial - Credit Services NYSE

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$230.68

+$0.97 (+0.42%)

Open: $228.56 | High: $233.01 | Low: $228.56 | Prev Close: $229.71

Market Cap: $146.65B

Volume: 3.9M | Avg: 3.7M

Last updated: December 05, 2025 at 10:01 PM
Investment Rating
B-

Neutral

Overall Score: 60/100

Rating Breakdown:
DCF Score 5/5
100%
Strong Buy
ROE Score 2/5
40%
Sell
ROA Score 3/5
60%
Neutral
D/E Score 2/5
40%
Sell
P/E Score 1/5
20%
Strong Sell
P/B Score 2/5
40%
Sell
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Stock Score Analysis
E

Stock Score: 425

Comprehensive Quality Assessment

Component Breakdown:
Efficiency 5
Financial Health 20
Growth 50
Market Sentiment 10
Risk 25
Lower is better
Valuation 15
Momentum 0
View Full Stock Score Dashboard
Valuation Metrics
Valuation Ratios
P/E Ratio 79.27
P/B Ratio 1.30
P/S Ratio 2.32
EPS $2.91
Beta 1.17
Shares Outstanding 635.73M
Price Range & Moving Averages
52-Week High $233.00
52-Week Low $143.22
SMA 50 $215.83
SMA 200 $202.83
Dividend Information
Dividend Yield 1.13%
Annual Dividend $2.60
Earnings
Next Earnings January 20, 2026 09:00 PM ET
Financial Ratios
Margins
Gross Margin 45.7%
Operating Margin 2.6%
Net Margin 2.2%
Returns
ROE 1.6%
ROA 0.2%
Liquidity & Leverage
Debt/Equity 0.45
Current Ratio 0.12
Quick Ratio 0.12
Balance Sheet
Total Assets $490.14B
Total Liabilities $429.36B
Total Equity $60.78B
Cash $43.23B
Total Debt $45.55B
Net Debt $2.32B
Income Statement
Revenue $53.94B
Gross Profit $27.40B
Operating Income $5.91B
Net Income $4.75B
EBITDA $9.15B
Revenue/Share $99.13
Cash Flow
Operating CF $18.16B
CapEx $1.20B
Free Cash Flow $16.95B
Book Value/Share $178.11
Tangible Book/Share $106.27
Equity/Share $178.11
Technical Indicators
RSI (14) 63.80 Neutral
MACD
2.17 Signal: -0.21
Volatility 25.75%
Trading Signal Bullish
Performance & Returns
Total Returns
1 Year +9.94%
Risk-Adjusted Returns
Sharpe Ratio 0.44 Fair
Volatility (Ann.) 39.15% Moderate
vs S&P 500 (SPY)
COF (1Y) +9.94%
S&P 500 (1Y) +11.86%
Alpha (Excess Return) -1.92%
Risk-free rate: 4.5% (3-month US Treasury) • Based on 199 trading days
Sector Comparison (Financial Services)
Compared to 166 peers in Financial Services
Metric COF Sector Avg Percentile
P/E Ratio 79.27 47.83 98%
P/B Ratio 1.3 3.96 25%
ROE (%) 1.62% 18.61% 3%
Net Margin (%) 2.24% 18.78% 1%
Stock Score 425 408.0 62%
1Y Return (%) +9.94% +6.21% 61%
Percentile: 0% = worst in sector, 100% = best in sector
Historical Price Analysis (Last 200 Days)
Technical Analysis
Ticker Close SMA 5 SMA 8 SMA 13 SMA 50 SMA 200 RSI (14) MACD Volatility (%) Volume Signal SMA Decision
COF $230.68 $224.08 $220.14 $213.44 $215.83 $202.83 63.80 2.17 25.75% 4294506 Strong Long Bullish Stack
Candlestick Patterns

There wasn't any recognizable pattern for the COF stock

News Sentiment
📊 Ticker 📰 Headline 💭 Sentiment 📡 Source 🔗 URL
COF Capital One Car Buying Outlook finds nearly 70% of Car Buyers View Dealers as Trustworthy Neutral prnewswire.com Read More
COF Outside Inc. Announces Festival Headliners for Third Annual ‘Outside Days' Presented by Capital One and REI Co-op Neutral businesswire.com Read More
COF Capital One Financial Corporation $COF Stock Holdings Boosted by 1832 Asset Management L.P. Neutral defenseworld.net Read More
COF Why Capital One (COF) is a Top Value Stock for the Long-Term Neutral zacks.com Read More
COF Ameritas Investment Partners Inc. Purchases 2,405 Shares of Capital One Financial Corporation $COF Neutral defenseworld.net Read More
Company Information

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.

CEO Richard D. Fairbank
Employees 53900
Country US
IPO Date 1994-11-16
Exchange NYSE
Website https://www.capitalone.com
Sector Financial Services
Industry Financial - Credit Services
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Rating Metrics Explained
DCF Score (Discounted Cash Flow)

Measures the intrinsic value of the stock based on projected future cash flows. A higher score indicates the stock is undervalued relative to its DCF valuation.

ROE Score (Return on Equity)

Evaluates how efficiently a company generates profit from shareholders' equity. Higher ROE indicates better profitability and management effectiveness.

ROA Score (Return on Assets)

Measures how efficiently a company uses its assets to generate profit. A higher ROA means better asset utilization and operational efficiency.

D/E Score (Debt-to-Equity)

Assesses the company's financial leverage and risk. Lower debt-to-equity ratios indicate less financial risk and better balance sheet health.

P/E Score (Price-to-Earnings)

Compares stock price to earnings per share. A lower P/E ratio may indicate the stock is undervalued, while a higher ratio could suggest overvaluation or growth expectations.

P/B Score (Price-to-Book)

Compares market price to book value per share. Lower P/B ratios may indicate undervaluation relative to the company's net asset value.

Rating Recommendations:

Each metric is scored on a scale of 1-5, where the scores are determined by comparing the company's performance against industry benchmarks and historical data:

  • Strong Buy (5/5): Excellent score - strong positive indicator
    • The metric significantly outperforms industry averages (top 20% of companies)
    • Indicates exceptional financial health or attractive valuation in that category
  • Buy (4/5): Good score - positive indicator
    • Above-average performance (top 40% of companies)
    • Shows strong fundamentals with room for improvement
  • Neutral (3/5): Average score - neutral indicator
    • Performance in line with industry median (middle 20%)
    • Neither significantly positive nor negative signal
  • Sell (2/5): Below average - negative indicator
    • Below-average performance (bottom 40% of companies)
    • Suggests weakness in this particular metric
  • Strong Sell (1/5): Poor score - strong negative indicator
    • Significantly underperforms industry (bottom 20%)
    • Indicates potential risk or overvaluation in that category
Note: The overall rating combines all six component scores to provide a comprehensive investment assessment. No single metric should be used in isolation for investment decisions.