COF
Capital One
$200.70
▼ 0.4%Updated Today 7:15 PM ET
▲ Up 2.2% over the last 12 months
Market Cap
$124.15B
P/E
38.4x
Forward P/E (est.)
54.86x
ROE
2.9%
Revenue Growth
38.2%
EPS Growth
-73.3%
Profit Margin
14.9%
FCF Yield
11.0%
Debt / Equity
0.44x
ROIC
—
Interest Coverage
—
Current Ratio
—
Dividend Yield
1.6%
Implied Growth (rev. DCF)
-10.0%
Rating Score
57/100
Technical analysis reads price and volume to judge momentum and timing. It complements the fundamentals above — it does not replace them. Here is what COF's chart says today, with each tool explained.
Trend — moving averages. A moving average is the average closing price over a window, which smooths out daily noise. COF trades near $200.70, around its 50-day average ($190.32) and 200-day average ($209.76). Price tangled in its moving averages means there is no clear trend — the stock is ranging.
Momentum — RSI. The Relative Strength Index runs 0–100 and measures how strong recent gains are versus losses. Above 70 is "overbought", below 30 "oversold". At 63 it is in neutral territory — neither stretched nor washed out.
MACD. MACD compares two moving averages to flag shifts in momentum. Its histogram is currently positive — short-term momentum is improving.
Volatility — ATR. Average True Range is the typical daily move. COF's is $6.28 (~3.1% of price), so swings of about that size each day are normal — handy for setting a stop that isn't too tight.
Support & resistance. Over the last month COF found buyers near $174.24 (support) and sellers near $207.30 (resistance); its 52-week range is $174.24–$259.64. A decisive break beyond either edge often marks the next move.
Volume. The latest session traded 1.3× the 20-day average — about normal. Rising volume on up-days suggests real buying; on down-days, real selling.
Educational information to help you read a chart — not a recommendation or a forecast. It updates daily as the price and indicators change.
Capital One (COF) is a large-cap company in the Consumer Finance industry, part of the Financials sector of the S&P 500, with a market value around $124.15B.
In its latest reported year it generated about $8.06B in revenue and $2.45B in net profit.
Our model rates COF Neutral (57/100) on growth, profitability, financial health, and valuation. The summary below is built from its filed financials and current ratios and refreshes automatically.
4Y CAGR
14.0%
Revenue moved from $4.78B in 2021 to $8.06B in 2025, a 14.0% compound annual growth rate. The most recent year grew a strong 38.2% year over year. Consistent top-line growth is one sign of healthy demand.
Gross Margin
—
Operating Margin
18.3%
Net Margin
30.4%
ROE
2.9%
Capital One keeps about 14.9% of each sales dollar as net profit. Return on equity is 2.9%. Margins are moderate — typical of a competitive but profitable business.
Total Debt
$43.88B
Net Debt
$43.88B
Net Debt / EBITDA
—
Debt / Equity
0.44x
Leverage: debt-to-equity is 0.4x. That is a conservative balance sheet — a cushion in downturns.
Operating CF
$27.72B
Free Cash Flow
$26.14B
FCF Margin
324.2%
In the latest year Capital One produced about $27.72B of operating cash flow and $26.14B of free cash flow after capital spending. That is a free-cash-flow yield of about 11.0% on today's price. Strong cash generation funds dividends, buybacks, and reinvestment.
P/E
38.4x
P/S
1.19x
P/B
1.36x
EV / EBITDA
—
COF trades at 38.4x trailing earnings (about 54.9x on estimated forward earnings), 1.2x sales, and 1.4x book value. Reverse-engineering today's price implies the market expects roughly -10.0% long-term free-cash-flow growth. That is a premium multiple that needs growth to justify it.
Where this stock sits versus what most companies trade at.
Typical ranges are general references (e.g., many stocks trade at ~18–26x earnings), not hard rules. Context only — not investment advice.
How COF stacks up against its Financials peers — valuation, profitability, and growth versus the sector median.
In the Financials sector (76 S&P 500 companies), COF ranks #52 of 76 by our overall rating. It trades at a premium versus the sector on earnings (38.4x P/E vs. 15.2x median) with a lower return on equity (2.9% vs. 15.3%) and faster revenue growth (38.2% vs. 9.1%).
P/E vs sector
38.4x
median 15.2x
ROE vs sector
2.9%
median 15.3%
Growth vs sector
38.2%
median 9.1%
Sector rank
#52
of 76 by rating
Valuation vs. quality map
The sweet spot is upper-left: more profitable (higher ROE) for a lower P/E. Dashed lines mark the sector median.
Peers are the closest Financials companies by sub-industry and size. Sector median is across all 76 S&P 500 names in the sector. Educational, not a recommendation.
Project revenue → earnings → price. Edit the assumptions to build your own case.
2030 price target (Base Case)
$447.40 – $739.18
vs. $200.70 today · expected CAGR 17% – 30%
| Metric | 2026 | 2027 | 2028 | 2029 | 2030 |
|---|---|---|---|---|---|
| Revenue | $11.13B | $15.35B | $21.19B | $29.24B | $40.35B |
| Net income | $3.34B | $4.61B | $6.36B | $8.77B | $12.10B |
| EPS | $5.36 | $7.40 | $10.21 | $14.10 | $19.45 |
| Share price (low) | $123.36 | $170.24 | $234.93 | $324.20 | $447.40 |
| Share price (high) | $203.81 | $281.26 | $388.14 | $535.64 | $739.18 |
| CAGR (low–high) | -39% / 2% | -8% / 18% | 5% / 25% | 13% / 28% | 17% / 30% |
Educational model on sample fundamentals — not a forecast or investment advice. Outputs are only as good as your assumptions.
The case for COF:
- Revenue is growing 38.2% a year, a sign of real demand.
- Healthy free-cash-flow yield (~11.0%) funds buybacks and dividends.
- A conservative balance sheet (debt/equity 0.4x) lowers risk.
The case against COF:
- Like any single stock, it is exposed to competition, the economic cycle, and shifts in its end markets.
Valuation risk — at 38.4x earnings, disappointing results could compress the multiple.
Market risk — sector rotation, the economic cycle, and broad sentiment move the stock regardless of fundamentals.
On balance, the picture is mixed: Capital One is a large-cap financials business still growing nicely, with solid profitability, and a sound balance sheet. It trades at 38.4x earnings, which our model scores Neutral (57/100). Weigh this against your own goals and time horizon — this is educational information, not a recommendation.
Data notice. Fundamentals and financial statements are sourced from company filings (SEC EDGAR) and market-data providers; prices and market caps refresh on trading days and may be delayed. Ratings, projections, technical signals, and written summaries are model- or rule-generated for education and may simplify or lag the latest filings.
Not advice. Nothing on this page is investment advice or a recommendation to buy, hold, or sell any security. Do your own research and consult a licensed financial professional before investing.