COF
Capital One
$217.74
▼ 1.0%Updated Aug 7, 11:30 AM ET
COF at a glance — five pillars scored 0–100 from real filed financials.
Overall: Neutral · 53/100. A wider, greener shape means more pillars look healthy. Dividends scores 0 when a company pays none — that is a choice, not a flaw.
▲ Up 2.2% over the last 12 months
Market Cap
$126.36B
P/E
41.49x
Forward P/E (est.)
59.27x
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)
-9.7%
Rating Score
53/100
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 $126.36B.
In its latest reported year it generated about $53.43B in revenue and $2.45B in net profit.
Our model rates COF Neutral (53/100) on growth, profitability, financial health, and valuation. The summary below is built from its filed financials and current ratios and refreshes automatically.
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 $217.74, above its 50-day average ($190.85) and 200-day average ($208.70). Price above both averages, with the shorter one above the longer, is the textbook definition of an uptrend — momentum favours buyers.
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 80 it is overbought — the recent rally is stretched and can cool off.
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 $6.02 (~2.8% 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 $210.10 (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 0.5× the 20-day average — lighter than usual, so the move carries less conviction. 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.
4Y CAGR
15.1%
Revenue moved from $25.50B in 2016 to $53.43B in 2025, a 8.6% 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
4.6%
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
48.9%
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.
Can the payout survive a bad year? Scored from filed cash flow, earnings coverage, and the raise/cut record.
The dividend is being paid, but coverage or consistency is thinner than an income investor should rely on without a closer look.
Dividend yield
1.6%
Per share (latest FY)
$1.60
Total paid (latest FY)
$1.52B
History on record
10 years
dividend uses 6% of free cash flow
62% of net income paid out
total dividends increased 2 years in a row
payout was cut at least once in the last 10 years
Coverage uses the latest fiscal year as filed with the SEC; the streak counts total dollars paid (per-share figures can carry split artifacts). Educational information, not income advice.
P/E
41.49x
P/S
1.19x
P/B
1.47x
EV / EBITDA
—
COF trades at 41.5x trailing earnings (about 59.3x on estimated forward earnings), 1.2x sales, and 1.5x book value. Reverse-engineering today's price implies the market expects roughly -9.7% long-term free-cash-flow growth. That is a rich multiple that prices in a lot of future growth.
A two-stage discounted cash flow on real SEC-filed free cash flow — the intrinsic-value anchor professional analysts triangulate from.
DCF fair value / share
$1,739.50
Current price
$217.74
Starting FCF (latest 10-K)
$26.14B
Growth, years 1–5
20.0%
Fade to terminal, years 6–10
2.5%
Discount rate
9.0%
Cash flows grow at the stage-1 rate (trailing revenue growth, capped at 20%) for five years, fade to 2.5% by year 10, and continue at that rate forever (Gordon terminal value), all discounted at 9.0%. Small changes in assumptions move the result a lot — treat this as one reference point, not a target price. Educational only, not investment advice.
Where COF sits versus its Financials sector peers in the S&P 500.
Bands show the middle half (25th–75th percentile) of the 141 Financials companies in the S&P 500 — the peer-relative anchor professional comps analysis uses. 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 (289 S&P 500 companies), COF ranks #108 of 289 by our overall rating. It trades at a premium versus the sector on earnings (41.5x P/E vs. 15.8x median) with a lower return on equity (2.9% vs. 13.6%) and faster revenue growth (38.2% vs. 15.9%).
P/E vs sector
41.5x
median 15.8x
ROE vs sector
2.9%
median 13.6%
Growth vs sector
38.2%
median 15.9%
Sector rank
#108
of 289 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 289 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)
$0.00 – $0.00
vs. $217.74 today · expected CAGR 21% – 34%
| Metric | 2026 | 2027 | 2028 | 2029 | 2030 |
|---|---|---|---|---|---|
| Revenue | $73.74B | $101.76B | $140.43B | $193.79B | $267.43B |
| Net income | $3.69B | $5.09B | $7.02B | $9.69B | $13.37B |
| EPS | $6.35 | $8.77 | $12.10 | $16.70 | $23.04 |
| Share price (low) | $158.83 | $219.19 | $302.48 | $417.43 | $576.05 |
| Share price (high) | $260.49 | $359.47 | $496.07 | $684.58 | $944.72 |
| CAGR (low–high) | -27% / 20% | 0% / 28% | 12% / 32% | 18% / 33% | 21% / 34% |
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:
- A rich 41.5x earnings multiple prices in a lot of growth.
- Like any single stock, it is exposed to competition, the economic cycle, and shifts in its end markets.
Valuation risk — at 41.5x 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 41.5x earnings, which our model scores Neutral (53/100). Weigh this against your own goals and time horizon — this is educational information, not a recommendation.
Analyst Ratings
What 29 Wall Street analysts covering COF recommend (August 2026). Consensus is a useful sanity check — not a substitute for your own homework.
Latest SEC Filings
COF's most recent filings, straight from SEC EDGAR. Annual and quarterly reports are the deep dives; 8-Ks flag material events the moment they happen.
In the Idea Lab
COF — frequently asked questions
Is COF a good stock to buy?
We don't give buy or sell advice. Our model rates Capital One Neutral (53/100) based on its growth, profitability, financial health, and valuation — use that as a research starting point and make your own decision.
What is COF's rating on The Stocks School?
Capital One currently scores 53/100 (Neutral) on our transparent model, which weighs real fundamentals: growth, margins, returns on capital, balance-sheet strength, and valuation.
How our ratings work →Where does COF's data come from?
Live price data plus real fundamentals and 5-year financials pulled directly from Capital One's SEC filings — refreshed automatically, not hand-entered.
How is the 5-year projection for COF calculated?
It's a scenario model: it grows revenue at an assumed rate, applies a profit margin and a valuation multiple, and shows the resulting share-price range. The assumptions are yours to change — it's a tool for thinking, not a prediction.
Is this COF analysis financial advice?
No. Everything on this page is educational research, not financial advice or a recommendation to buy or sell COF. Always do your own research and consider a licensed professional.
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.