Capital One Financial (COF) Stock Price, News & Analysis

Company Overview

Capital One Financial Corporation is a diversified financial services company headquartered in McLean, Virginia, best known for its consumer and commercial lending operations. The company offers a broad array of financial products and services, including credit cards, auto financing, savings accounts, certificates of deposit, and small business banking solutions. Capital One leverages advanced data analytics and digital platforms to tailor its product offerings, enhance customer experience, and drive growth across its various business segments.

Since its founding in 1994 by Richard Fairbank and Nigel Morris, Capital One has grown from a regional bank into one of the largest credit card issuers in the United States. The firm’s early focus on data-driven decision making helped it identify underserved credit card markets and refine risk management models, allowing for competitive interest rates and targeted marketing campaigns. Over time, Capital One expanded its footprint through a combination of organic growth and strategic acquisitions, including the purchase of Hibernia Corporation’s banking operations in 2005 and ING Direct USA in 2012, which bolstered its online banking presence.

Today, Capital One operates across multiple geographies, primarily serving customers in the United States and the United Kingdom. It maintains a network of branch locations and cafes, complemented by a robust digital banking platform that supports mobile check deposit, real-time account alerts, and personalized financial tools. The company’s commercial banking unit provides lending, treasury management, and advisory services to mid-sized businesses, while its commercial real estate arm offers financing solutions for developers and property owners.

Under the leadership of founder and Chief Executive Officer Richard Fairbank, Capital One continues to emphasize innovation, operational efficiency, and customer service. The management team prioritizes investments in cybersecurity, cloud computing, and artificial intelligence to protect customer data and streamline internal processes. With a commitment to financial inclusion and community development, the company supports a range of philanthropic initiatives aimed at improving economic opportunity in the markets it serves.

Key Stats

• Today's Range: $217.81 to $220.37
• 50-Day Range: $180.32 to $220.94
• 52-Week Range: $128.23 to $221.95
• Volume: 2.00 million shs
• Average Volume: 4.57 million shs
• Market Capitalization: $83.69 billion
• P/E Ratio: 18.34
• Dividend Yield: 1.10%
• Price Target: $219.73
• Consensus Rating: Moderate Buy

Capital One Financial Stock Analysis - MarketRank™

Capital One Financial scored higher than 99% of companies evaluated by MarketBeat, and ranked 12th out of 903 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 2.4 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

Capital One Financial has received a consensus rating of Moderate Buy. The company's average rating score is 2.89, and is based on 12 buy ratings, 4 hold ratings, and no sell ratings.

Amount of Analyst Coverage

Capital One Financial has been the subject of 8 research reports in the past 90 days, demonstrating strong analyst interest in this stock.

Earnings and Valuation

• Score: 4.4 / 5
• Proj. Earnings Growth: 16.10%

Earnings Growth

Earnings for Capital One Financial are expected to grow by 16.10% in the coming year, from $15.65 to $18.17 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Capital One Financial is 18.36, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.91.

Price to Earnings Ratio vs. Sector

The P/E ratio of Capital One Financial is 18.36, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.99.

Price to Earnings Growth Ratio

Capital One Financial has a PEG Ratio of 0.92. PEG Ratios below 1 indicate that a company could be undervalued.

Price to Book Value per Share Ratio

Capital One Financial has a P/B Ratio of 1.37. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 4.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

2.27% of the float of Capital One Financial has been sold short.

Short Interest Ratio / Days to Cover

Capital One Financial has a short interest ratio ("days to cover") of 1.7, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Capital One Financial has recently decreased by 1.04%, indicating that investor sentiment is improving.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Yield

Capital One Financial pays a meaningful dividend of 1.10%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

Capital One Financial does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of Capital One Financial is 20.15%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, Capital One Financial will have a dividend payout ratio of 13.21% next year. This indicates that Capital One Financial will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: 3.1 / 5
• Environmental Score: -0.45

Percentage of Shares Shorted

2.27% of the float of Capital One Financial has been sold short.

Short Interest Ratio / Days to Cover

Capital One Financial has a short interest ratio ("days to cover") of 1.7, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Capital One Financial has recently decreased by 1.04%, indicating that investor sentiment is improving.

News and Social Media

• Score: 3.4 / 5
• News Sentiment: 1.06

News Sentiment

Capital One Financial has a news sentiment score of 1.06. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.73 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 37 news articles for Capital One Financial this week, compared to 26 articles on an average week.

Search Interest

Only 33 people have searched for COF on MarketBeat in the last 30 days. This is a decrease of -3% compared to the previous 30 days.

MarketBeat Follows

26 people have added Capital One Financial to their MarketBeat watchlist in the last 30 days. This is an increase of 53% compared to the previous 30 days.

Company Ownership

• Score: 2.5 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, Capital One Financial insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $2,235,709.00 in company stock.

Percentage Held by Insiders

Only 1.26% of the stock of Capital One Financial is held by insiders.

Percentage Held by Institutions

89.84% of the stock of Capital One Financial is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

COF Stock Analysis - Frequently Asked Questions

How have COF shares performed this year?

Capital One Financial's stock was trading at $178.32 at the beginning of 2025. Since then, COF shares have increased by 22.5% and is now trading at $218.4980.

How were Capital One Financial's earnings last quarter?

Capital One Financial Corporation (NYSE:COF) announced its quarterly earnings data on Tuesday, April, 22nd. The financial services provider reported $4.06 earnings per share (EPS) for the quarter, beating analysts' consensus estimates of $3.75 by $0.31. The financial services provider earned $10 billion during the quarter, compared to the consensus estimate of $10.07 billion. Capital One Financial had a trailing twelve-month return on equity of 9.63% and a net margin of 9.65%.
Read the conference call transcript.

Does Capital One Financial have any subsidiaries?

The following companies are subsidiaries of Capital One Financial: Lola.com, Freebird, Freebird, KippsDeSanto & Co, Capital One Investing, United Income, Capital One Trade Credit, and others.

Who are Capital One Financial's major shareholders?

Capital One Financial's top institutional shareholders include Czech National Bank (0.04%), Park National Corp OH (0.02%), Salem Investment Counselors Inc. (0.01%) and Baker Ellis Asset Management LLC (0.01%). Insiders that own company stock include Richard D Fairbank, Robert M Alexander, Ann F Hackett, Celia Karam, Frank G LapradeIii, Kevin S Borgmann, Michael Zamsky, Mark Daniel Mouadeb, Kara West and Timothy P Golden.
View institutional ownership trends.

How do I buy shares of Capital One Financial?

Shares of COF stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Capital One Financial own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Capital One Financial investors own include Humana (HUM), American Water Works (AWK), Waste Connections (WCN), Verizon Communications (VZ), The RMR Group (RMR), DiamondRock Hospitality (DRH) and Voyager Therapeutics (VYGR).

Company Calendar

• Last Earnings: 4/22/2025
• Record date for 6/5 Dividend: 5/23/2025
• Ex-Dividend for 6/5 Dividend: 5/23/2025
• Dividend Payable: 6/05/2025
• Today: 7/09/2025
• Next Earnings (Estimated): 7/22/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NYSE
• Sector: Finance
• Industry: FIN - CONS LOANS
• Sub-Industry: Consumer Finance
• Current Symbol: NYSE:COF
• CIK: 927628
• Web: www.capitalone.com
• Phone: (703) 720-1000
• Fax: 302-636-5454
• Employees: 52,600
• Year Founded: 1994

Price Target and Rating

• Average Price Target for Capital One Financial: $218.67
• High Price Target: $258.00
• Low Price Target: $176.00
• Potential Upside/Downside: +0.5%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.89
• Research Coverage: 18 Analysts

Profitability

• EPS (Trailing Twelve Months): $11.91
• Trailing P/E Ratio: 18.27
• Forward P/E Ratio: 13.91
• P/E Growth: 0.92
• Net Income: $4.75 billion
• Net Margins: 9.65%
• Pretax Margin: 11.99%
• Return on Equity: 9.63%
• Return on Assets: 1.21%

Debt

• Debt-to-Equity Ratio: 0.65
• Current Ratio: 0.98
• Quick Ratio: 0.97

Sales & Book Value

• Annual Sales: $53.94 billion
• Price / Sales: 1.55
• Cash Flow: $23.28 per share
• Price / Cash Flow: 9.35
• Book Value: $159.44 per share
• Price / Book: 1.37

Miscellaneous

• Outstanding Shares: 383,140,000
• Free Float: 378,310,000
• Market Cap: $83.39 billion
• Optionable: Optionable
• Beta: 1.15