Capital One Financial Corporation COF
Composite 59/100; the shares have moved about 29% annualised. Names that move more contribute more risk for the same amount invested, and our composite reflects how strong the evidence for this one is right now.
Balance-sheet strength ranks 45/100 — a slight mark against it.
Valuation ranks 86/100 — a strong point in its favour. Quality ranks 58/100 — a slight point in its favour. Momentum ranks 57/100 — a slight point in its favour.
Balance-sheet strength ranks 45/100 — a slight mark against it. Growth ranks 48/100 — a slight mark against it.
What the company does Capital One Financial Corporation (COF) is a diversified financial services holding company offering credit cards, consumer and commercial banking, and related advisory and treasury services across the U.S., Canada, and the U.K. Its segments include Credit Card, Consumer Banking, and Commercial Banking, serving consumers, small businesses, and commercial clients through digital and physical channels.
Key financials COF’s profitability metrics include ROE 9%, ROA 1.5%, and ROCE 8.8%. Margins stand at Gross 100%, Operating 33.6%, and Net 21.9%. Revenue growth is 28.4%, but EPS growth is -63.4%. Leverage is moderate with Debt/Equity at 0.40, while liquidity is weak with a Current Ratio of 0.13 and Interest Coverage of 0.99.
Stock health The stock shows mixed momentum: +13.89% over 3 months, +4.43% over 6 months, and +0.54% over 12 months. It is -17.21% below its 52-week high, with RSI(14) at 48.10, indicating neutral momentum. The Sideravia score is 57.9, with Valuation at 84.3 and Quality at 58.3, suggesting average quality but attractive valuation.
Price vs fair value COF trades at a discount of 20.70% versus the analyst mean target of 256.50. - Recent earnings beat lifted shares 9.6% (Zacks). - Insider Monkey flags potential earnings growth and multiple expansion. - Regulatory penalty ($390M FinCEN) and account closures may weigh on sentiment (Moneywise). - Dividend profile remains modest at 1.5% yield (GuruFocus.com).
Looking forward Forward P/E of 10.91 and PEG of 1.02 suggest moderate earnings expectations. Growth remains challenged with EPS down -63.4%, but revenue growth of 28.4% indicates top-line resilience. Valuation metrics favor a neutral stance pending clarity on regulatory and macro pressures.
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Data as of 2026-09-05, compiled from third-party sources; errors and delays are possible and figures are not warranted. Investing puts your capital at risk; past performance does not predict future results. We publish our full track record, including the calls that lost, and our conflicts of interest.