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

Company Overview

Capital One Financial Corporation is a diversified bank holding company headquartered in McLean, Virginia. It specializes in a wide range of consumer and commercial banking products and services, with operations spanning the United States, the United Kingdom and Canada. The company operates through its subsidiaries, including Capital One, N.A., and Capital One Bank (USA), N.A., offering both online and branch-based banking platforms to millions of customers.

At the core of Capital One’s business are credit card lending, auto finance, and retail banking services. Its credit card portfolio includes products tailored to consumers, small businesses and secured-card customers, featuring rewards programs and promotional financing options. In its auto finance division, the company provides vehicle loans and leases through dealerships and direct-to-consumer channels. Capital One’s retail banking offerings encompass checking and savings accounts, certificates of deposit, home loans and commercial real estate financing, supported by a growing network of physical branches and cafés as well as mobile and digital banking solutions.

Founded in 1994 by Richard D. Fairbank and Nigel Morris through a spin-off from Signet Banking Corp., Capital One has expanded rapidly through a combination of data-driven marketing strategies and strategic acquisitions. Today, Richard D. Fairbank serves as chairman and chief executive officer, guiding the company’s focus on technology innovation and customer experience. Capital One continues to invest in digital infrastructure, risk management and community initiatives, aiming to deliver convenient financial services while maintaining prudent credit standards.

Key Stats

• Today's Range: $225.16 to $228.16
• 50-Day Range: $201.76 to $227.43
• 52-Week Range: $131.55 to $232.45
• Volume: 2.55 million shs
• Average Volume: 3.27 million shs
• Market Capitalization: $145.44 billion
• P/E Ratio: 116.63
• Dividend Yield: 1.06%
• Price Target: $238.81
• Consensus Rating: Moderate Buy

Capital One Financial Stock Analysis - MarketRank™

Capital One Financial scored higher than 96% of companies evaluated by MarketBeat, and ranked 65th out of 941 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: 2.5 / 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 2.95, and is based on 13 buy ratings, 4 hold ratings, and no sell ratings.

Amount of Analyst Coverage

Capital One Financial has been the subject of 10 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 116.63, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 270.88.

Price to Earnings Ratio vs. Sector

The P/E ratio of Capital One Financial is 116.63, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 228.59.

Price to Earnings Growth Ratio

Capital One Financial has a PEG Ratio of 0.89. 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 1.31. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

1.39% 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 2, 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 increased by 4.04%, indicating that investor sentiment is decreasing.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

Capital One Financial pays a meaningful dividend of 1.06%, 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 123.08%. Payout ratios above 75% are not desirable because they may not be sustainable.

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

1.39% 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 2, 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 increased by 4.04%, indicating that investor sentiment is decreasing.

News and Social Media

• Score: 2.4 / 5
• News Sentiment: 1.32

News Sentiment

Capital One Financial has a news sentiment score of 1.32. 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 1.18 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 39 news articles for Capital One Financial this week, compared to 39 articles on an average week.

Search Interest

Only 22 people have searched for COF on MarketBeat in the last 30 days. This is a decrease of -58% compared to the previous 30 days.

MarketBeat Follows

Only 21 people have added Capital One Financial to their MarketBeat watchlist in the last 30 days. This is a decrease of -13% 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 $4,233,044.00 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 on January 1st, 2025. Since then, COF shares have increased by 27.5% and is now trading at $227.4260.

How were Capital One Financial's earnings last quarter?

Capital One Financial Corporation (NYSE:COF) released its earnings results on Tuesday, July, 22nd. The financial services provider reported $5.48 EPS for the quarter, topping analysts' consensus estimates of $1.93 by $3.55. The firm's revenue was up 31.4% compared to the same quarter last year.
Read the conference call transcript.

Does Capital One Financial have any subsidiaries?

Capital One Financial subsidiaries include these companies: 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 investors include Kingstone Capital Partners Texas LLC (30.65%), Vanguard Group Inc. (8.82%), State Street Corp (4.34%) and Geode Capital Management LLC (3.66%). 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

• Record date for 6/5 Dividend: 5/23/2025
• Ex-Dividend for 6/5 Dividend: 5/23/2025
• Dividend Payable: 6/05/2025
• Last Earnings: 7/22/2025
• Record date for 9/2 Dividend: 8/15/2025
• Ex-Dividend for 9/2 Dividend: 8/15/2025
• Today: 8/30/2025
• Dividend Payable: 9/02/2025
• Next Earnings (Estimated): 10/23/2025
• 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: $238.81
• High Price Target: $290.00
• Low Price Target: $176.00
• Potential Upside/Downside: +5.0%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.95
• Research Coverage: 20 Analysts

Profitability

• EPS (Trailing Twelve Months): $1.95
• Trailing P/E Ratio: 116.63
• Forward P/E Ratio: 14.53
• P/E Growth: 0.89
• Net Income: $4.75 billion
• Net Margins: N/A
• Pretax Margin: -0.91%
• Return on Equity: 10.01%
• Return on Assets: 1.40%

Debt

• Debt-to-Equity Ratio: 0.47
• Current Ratio: 1.02
• Quick Ratio: 1.02

Sales & Book Value

• Annual Sales: $53.94 billion
• Price / Sales: 2.70
• Cash Flow: $23.35 per share
• Price / Cash Flow: 9.74
• Book Value: $173.50 per share
• Price / Book: 1.31

Miscellaneous

• Outstanding Shares: 639,520,000
• Free Float: 631,459,000
• Market Cap: $145.44 billion
• Optionable: Optionable
• Beta: 1.16