Capital One Financial Corporation (COF) Stock Price & Analysis
Capital One Financial Corporation (COF) closed at USD 203.43 on Thursday, October 22, 2026, down 1.56% on the day. The US market is currently closed (pre-market); this is not a live price.
The prior close was USD 206.66; the Oct 22, 2026 session ranged USD 202.34–208.45 on volume of 5,396,591 shares. Market capitalization is $124.80B, with a 52-week range of USD 174.24–259.64 (NYQ). Source: Nexqual, retrieved October 23, 2026 at 09:23 UTC.
Also available as compact Markdown for AI agents: nexqual.com/COF.md
Key facts (COF)
- Last four reported quarters (through Jun 30, 2026): revenue $62.0B, net income $10.5B (17.0% margin) (SEC filings).
- Valuation: P/E 11.9x (avg 26.1x at the last 3 fiscal year-ends).
- 16 of 80 tracked superinvestors hold COF (13F, Q2 2026 (1 investor on Q3 2026, filed early)): 2 new, 7 added, 5 reduced, 2 unchanged.
- Insider open-market sales, last ~7 months: 21 Form 4 filings, $12.0M; 2 not under a Rule 10b5-1 plan ($1.9M); 0 by opportunistic insiders, 0 by routine insiders (three-year test, Cohen, Malloy & Pomorski 2012).
- Analysts: Buy (mean 2.00 on a 1–5 scale) (24 analysts), mean target USD 254.55 (range 220–290).
- Total return with dividends: 1Y -6.1% vs S&P 500 +14.9%; 5Y +32.4% vs S&P 500 +80.3%.
- Next earnings: 2027-01-19, EPS estimate USD 4.76, revenue estimate $16.6B.
Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters) (COF)
| USD | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | TTM |
|---|---|---|---|---|---|---|
| Revenue | $30.4B | $34.3B | $36.8B | $39.1B | $53.4B | $62.0B |
| Net income | $12.4B | $7.36B | $4.89B | $4.75B | $2.45B | $10.5B |
| EPS (diluted) | $26.94 | $17.91 | $11.95 | $11.59 | $4.03 | — |
| Free cash flow | $11.6B | $12.9B | $19.6B | $17.0B | $26.1B | $29.7B |
| Net margin | 40.7% | 21.5% | 13.3% | 12.1% | 4.6% | 17.0% |
| Revenue growth | +6.7% | +12.5% | +7.4% | +6.3% | +36.6% | — |
| Cash + short-term investments | $22.1B | $31.3B | $43.8B | $43.7B | $62.1B | — |
| Total debt | $43.1B | $48.7B | $49.9B | $45.6B | $51.0B | — |
Fiscal years end Dec. EPS is split-adjusted.
Valuation (price ÷ last four quarters, through Jun 30, 2026) (COF)
P/E 11.9x · P/S 2.0x · P/FCF 4.2x · P/B 1.1x · FCF yield 23.80% · Earnings yield 8.43% · Dividend yield (paid, TTM) 1.52% · Buyback yield (TTM) 7.29%
P/E at fiscal year-ends: Dec 2025 53.5x, Dec 2024 14.4x, Dec 2023 10.3x.
Superinvestors (SEC 13F-HR, Q2 2026) (COF)
16 of 80 tracked investors hold COF (1 investor on Q3 2026, filed early). Each row is the investor's latest 13F; change is vs their prior-quarter share count.
| Investor | Firm | % of portfolio | Value | Change | Quarter |
|---|---|---|---|---|---|
| Christopher Davis | Davis Advisors | 7.13% | $1.66B | Reduced -3.1% | Q2 2026 |
| Ruane Cunniff | Ruane Cunniff LP | 6.11% | $392M | Reduced -3.1% | Q2 2026 |
| Glenn Greenberg | Brave Warrior Advisors | 4.32% | $198M | Reduced -1.5% | Q2 2026 |
| Abrams Bison Investments, LLC | 4.16% | $85.3M | Unchanged | Q2 2026 | |
| Daniel Loeb | Third Point | 3.56% | $166M | Added +489.3% | Q2 2026 |
| Bill Nygren | Oakmark Funds | 3.07% | $2.31B | Added +10.9% | Q2 2026 |
| Richard Pzena | Pzena Investment Management | 2.71% | $922M | Added +0.3% | Q2 2026 |
| Leon Cooperman | Omega Family Office | 2.57% | $91.3M | Added +23.0% | Q2 2026 |
| Lee Ainslie | Maverick Capital | 2.51% | $278M | Added +10.9% | Q2 2026 |
| Dodge & Cox Funds | Dodge & Cox | 0.96% | $1.83B | Added +3.9% | Q2 2026 |
| Wallace Weitz | Weitz Investment Management | 0.56% | $8.0M | New position | Q2 2026 |
| Viking Global | Viking Global Investors | 0.22% | $77.8M | Reduced -76.0% | Q2 2026 |
| John Rogers | Ariel Investments | 0.22% | $21.7M | New position | Q2 2026 |
| Warren Buffett | Berkshire Hathaway | 0.20% | $602M | Reduced -58.0% | Q2 2026 |
| Thomas Gayner | Markel Group | 0.14% | $18.3M | Unchanged | Q2 2026 |
| David Katz | Matrix Asset Advisors | 0.05% | $634K | Added +3.4% | Q3 2026 |
Insider sales (SEC Form 4, open-market, last ~7 months) (COF)
19 of 21 under a Rule 10b5-1 trading plan (scheduled in advance). Unplanned sales were timed by the insider.
| Trade date | Insider | Role | Shares | Value | % of holdings sold | 10b5-1 plan | Insider type |
|---|---|---|---|---|---|---|---|
| 2026-10-15 | Dean Lia | Pres, Banking & Prem. Products | 1,887 | $370K | 3.1% | Yes | Too little history (no open-market trades in 2023) |
| 2026-10-15 | Karam Celia | Pres, Retail Bank | 1,927 | $377K | 3.3% | Yes | Too little history (no open-market trades in 2023) |
| 2026-10-06 | Cooper Matthew W | General Counsel & Corp Secy | 3,500 | $687K | 4.2% | Yes | Too little history (no open-market trades in 2023 or 2024) |
| 2026-09-15 | Karam Celia | Pres, Retail Bank | 2,017 | $416K | 3.4% | Yes | Too little history (no open-market trades in 2023) |
| 2026-09-15 | Dean Lia | Pres, Banking & Prem. Products | 2,066 | $426K | 3.3% | Yes | Too little history (no open-market trades in 2023) |
| 2026-09-01 | Cooper Matthew W | General Counsel & Corp Secy | 3,500 | $749K | 4% | Yes | Too little history (no open-market trades in 2023 or 2024) |
| 2026-08-17 | Dean Lia | Pres, Banking & Prem. Products | 2,193 | $495K | 3.4% | Yes | Too little history (no open-market trades in 2023) |
| 2026-08-17 | Karam Celia | Pres, Retail Bank | 1,888 | $426K | 3.1% | Yes | Too little history (no open-market trades in 2023) |
| 2026-08-13 | Mouadeb Mark Daniel | President, Card | 1,199 | $270K | 2.4% | Yes | Too little history (no open-market trades in 2025) |
| 2026-08-10 | Zamsky Michael | Chief Credit & Fin'l Risk Off. | 5,473 | $1.2M | 16.4% | No | Too little history (no open-market trades in 2023) |
| 2026-08-07 | Raghu Ravi | Pres, Software, Intl & Sm Bus | 50 | $11K | 0.2% | Yes | Too little history (no open-market trades in 2023 or 2025) |
| 2026-08-04 | Mouadeb Mark Daniel | President, Card | 1,183 | $260K | 2.3% | Yes | Too little history (no open-market trades in 2025) |
| 2026-08-04 | Cooper Matthew W | General Counsel & Corp Secy | 3,500 | $768K | 3.9% | Yes | Too little history (no open-market trades in 2023 or 2024) |
| 2026-08-03 | Mouadeb Mark Daniel | President, Card | 690 | $148K | 1.3% | Yes | Too little history (no open-market trades in 2025) |
| 2026-07-31 | Raghu Ravi | Pres, Software, Intl & Sm Bus | 9,726 | $2.0M | 27% | Yes | Too little history (no open-market trades in 2023 or 2025) |
| 2026-07-29 | Golden Timothy P | SVP, Chief Accounting Officer | 3,487 | $736K | 31.9% | No | Too little history (no open-market trades in 2023) |
| 2026-07-07 | Cooper Matthew W | General Counsel & Corp Secy | 3,500 | $728K | 3.7% | Yes | Too little history (no open-market trades in 2023 or 2024) |
| 2026-06-02 | Cooper Matthew W | General Counsel & Corp Secy | 3,500 | $642K | 3.6% | Yes | Too little history (no open-market trades in 2023 or 2024) |
| 2026-05-12…2026-05-13 | Haggerty Kaitlin | Chief Human Resources Officer | 1,426 | $262K | 2.8% | Yes | Too little history (no open-market trades in 2023–2025) |
| 2026-05-12 | Cooper Matthew W | General Counsel & Corp Secy | 3,500 | $644K | 3.5% | Yes | Too little history (no open-market trades in 2023 or 2024) |
% of holdings sold = shares sold ÷ (shares sold + all holdings the insider reported on that Form 4, direct and through trusts).
Insider type follows Cohen, Malloy & Pomorski (Journal of Finance, 2012). An insider who traded the stock in the same calendar month in each of the past three years is a routine trader; one who traded in each of those years without such a pattern is an opportunistic trader. In their study, trades by opportunistic insiders predicted future returns and trades by routine insiders did not. Counts open-market purchases and sales only (SEC Form 4 codes P and S) by that insider in that company. Not investment advice.
Analysts (COF)
Consensus Buy (mean 2.00 on a 1–5 scale), 24 analysts; mean target USD 254.55 (low 220, high 290).
Rating changes, last 120 days:
| Date | Firm | Action | Rating | Price target |
|---|---|---|---|---|
| 2026-10-21 | Citigroup | Target raised | Buy | $280 → $285 |
| 2026-10-21 | BMO Capital | Target raised | Market Perform | $219 → $225 |
| 2026-10-21 | JP Morgan | Target raised | Overweight | $227 → $241 |
| 2026-10-21 | Piper Sandler | Target raised | Overweight | $260 → $269 |
| 2026-10-21 | TD Cowen | Target raised | Buy | $242 → $250 |
| 2026-10-21 | Barclays | Target raised | Overweight | $237 → $238 |
| 2026-10-12 | JP Morgan | Target lowered | Overweight | $246 → $227 |
| 2026-10-12 | Morgan Stanley | Target lowered | Overweight | $273 → $267 |
| 2026-10-09 | BMO Capital | Initiated | Market Perform | $219 |
| 2026-10-06 | TD Cowen | Target lowered | Buy | $253 → $242 |
| 2026-10-05 | Barclays | Target lowered | Overweight | $240 → $237 |
| 2026-10-01 | Evercore ISI Group | Target lowered | Outperform | $230 → $220 |
Total return (dividends reinvested) (COF)
| 1Y (from 2025-10-23) | 5Y (from 2021-10-18) | |
|---|---|---|
| Total return | -6.1% | +32.4% |
| S&P 500 (SPY) | +14.9% | +80.3% |
| Per year | -6.1% | +5.8% |
| Volatility (annualized) | 31.4% | 33.9% |
| Max drawdown | -31.5% (Jan 2026→Mar 2026) | -46.7% (Oct 2021→May 2023) |
COF revenue by business segment (quarter ended Jun 30, 2026)
| Line | Revenue | Share of total | YoY |
|---|---|---|---|
| Credit Card | $1.94B | 70.2% | +43.3% |
| Consumer Banking | $755.0M | 27.3% | +99.2% |
| Commercial Banking | $68.0M | 2.5% | -39.3% |
| Total revenue | $2.76B | 100% | — |
COF revenue by product line (quarter ended Jun 30, 2026)
| Line | Revenue | Share of total | YoY |
|---|---|---|---|
| Interchange fees, net | $1.72B | 62.2% | +42.3% |
| Other | $188.0M | 6.8% | +50.4% |
| Service charges and other customer-related fees | $32.0M | 1.2% | +60.0% |
| Total revenue | $2.76B | 100% | — |
As tagged by the company in its SEC 10-Q / 10-K filings (XBRL).
COF suppliers, customers and competitors (named in its 10-K)
| Relationship | Company | Sentence in the filing |
|---|---|---|
| Customer | Amazon (AMZN) | “Other than the ongoing integration of Discover, we have substantially migrated primarily all aspects of our core information technology infrastructure and systems and customer-facing applications to third-party cloud infrastructure platforms, principally AWS.” |
| Competitor | Visa (V) | “Our Credit Card business competes with international, national, regional and local issuers of Visa® and Mastercard® credit cards, as well as with American Express®, private-label card brands and, to a certain extent, issuers of debit cards.” |
| Competitor | Mastercard (MA) | “Our Credit Card business competes with international, national, regional and local issuers of Visa® and Mastercard® credit cards, as well as with American Express®, private-label card brands and, to a certain extent, issuers of debit cards.” |
Quoted from the company's 10-K filed Feb 19, 2026.
COF company outlook (results filed Oct 20, 2026)
- “Adjusted net income (1) for the third quarter of 2026 was $6.69 per diluted common share. "The Discover integration continues to go well and we're making good progress on delivering the expected synergies" said Richard D.”
Quoted word-for-word from the SEC 8-K results press release.
COF analyst estimates and revisions
| Period | EPS estimate | 90 days ago | Change | Revenue estimate | Analysts |
|---|---|---|---|---|---|
| Current quarter (ends Dec 2026) | $4.76 | $4.89 | -2.7% | $16.55B | 16 |
| Next quarter (ends Mar 2027) | $5.72 | $5.74 | -0.4% | $16.23B | 12 |
| Current fiscal year (ends Dec 2026) | $21.42 | $20.23 | +5.9% | $64.05B | 17 |
| Next fiscal year (ends Dec 2027) | $23.84 | $24.06 | -0.9% | $67.49B | 19 |
COF options: expected move
Options price a move of about ±15.5% (±$31.40) by Mar 19, 2027, which includes earnings on Jan 19, 2027; the earnings reaction alone is priced at about ±5.4%. Over the last 8 reports the stock moved ±3.9% on average.
| Expiration | Days | ATM implied volatility | Expected move |
|---|---|---|---|
| Oct 30, 2026 | 7 | 33.2% | ±4.0% |
| Nov 6, 2026 | 14 | 33.0% | ±5.3% |
| Nov 13, 2026 | 21 | 31.7% | ±6.3% |
| Nov 20, 2026 | 28 | 31.7% | ±7.3% |
| Nov 27, 2026 | 35 | 29.5% | ±7.5% |
| Dec 4, 2026 | 42 | 29.7% | ±8.3% |
| Dec 18, 2026 | 56 | 29.2% | ±9.2% |
| Jan 15, 2027 | 84 | 28.7% | ±11.2% |
30-day implied volatility 30.6% vs 21.6% realized over the last 30 trading days. Put/call ratio (volume) 0.78. Cboe delayed quotes (15 min). Expected move = at-the-money straddle.
Key Statistics (as of October 23, 2026 at 09:23 UTC)
| Price | USD 203.43 |
|---|---|
| Change | ▼ 1.56% (down) |
| Previous Close | USD 206.66 |
| Open | USD 205.94 |
| Day Range | USD 202.34 – 208.45 |
| 52-Week Range | USD 174.24 – 259.64 |
| Volume | 5,396,591 shares |
| Market Cap | $124.80B |
| Exchange | NYQ |
Technical Analysis (COF)
Nexqual's technical model rates COF "NEUTRAL" based on 3 bullish and 2 bearish signals across 127 daily candles, as of October 23, 2026 at 09:23 UTC.
| Overall Signal | NEUTRAL |
|---|---|
| RSI (14) | 49.15 (neutral) |
| vs SMA50 | Below (USD 206.72) |
| MACD | -0.47 (negative) |
Analyst Ratings (COF)
Wall Street analysts rate COF "Buy" based on 24 analysts, with a mean price target of USD 254.55 (range USD 220–290), per Nexqual as of October 23, 2026 at 09:23 UTC.
| Consensus Rating | Buy |
|---|---|
| Analyst Count | 24 |
| Mean Target | USD 254.55 |
| High Target | USD 290 |
| Low Target | USD 220 |
| Buy / Hold / Sell | 19 / 5 / 0 |
Earnings (COF)
| Next Earnings Date | 2027-01-19 |
|---|---|
| EPS Estimate | USD 4.76 |
| Revenue Estimate | $16.55B |
Recent Earnings History
| Quarter | Actual vs Estimate |
|---|---|
| 2026-09-30 | USD 6.69 vs est 5.5 ▲ beat |
| 2026-06-30 | USD 5.81 vs est 4.69 ▲ beat |
| 2026-03-31 | USD 4.42 vs est 4.57 ▼ miss |
| 2025-12-31 | USD 3.86 vs est 4.14 ▼ miss |
Source: Nexqual, October 23, 2026 at 09:23 UTC.
Financials & Fundamentals (COF)
| Total Revenue | $48.89B |
|---|---|
| Revenue Growth (latest quarter, YoY) | +6.20% |
| Gross Margin | +0.00% |
| Operating Margin | +37.83% |
| Profit Margin | +22.23% |
| ROE | +9.39% |
| Total Cash | $48.89B |
| Total Debt | $49.77B |
Source: Nexqual, October 23, 2026 at 09:23 UTC.
Financial Health Score (COF)
Nexqual rates Capital One Financial Corporation's overall financial health "Mixed" across five dimensions, as of October 23, 2026 at 09:23 UTC.
| Growth | Strong — Revenue +37% YoY (annual) |
|---|---|
| Profitability | Weak — Net margin 4% (last 12 months); banks have no gross margin |
| Balance Sheet | N/A — Not comparable for banks: deposits and customer funds sit on the balance sheet, so cash vs debt does not measure safety (SEC industry: National Commercial Banks) |
| Cash Flow | N/A — Not meaningful for banks and lenders: lending and trading move operating cash flow by billions each year (SEC industry: National Commercial Banks) |
| Efficiency | Mixed — ROE 9%, ROA 1.6% |
Ownership (COF)
| Insider Ownership | +1.25% |
|---|---|
| Institutional Ownership | +90.98% |
| Shares Outstanding | 613.48M |
| Float | 600.38M |
| Short % of Float | +1.64% |
Source: Nexqual, October 23, 2026 at 09:23 UTC.
Leadership (COF)
Capital One Financial Corporation is led by Richard D. Fairbank, Founder, Chairman, CEO & President, per Nexqual as of October 23, 2026 at 09:23 UTC.
| Founder, Chairman, CEO & President | Richard D. Fairbank |
|---|---|
| Chief Financial Officer | Andrew M. Young |
| President of Discover Integration, General Counsel & Secretary | Matthew W. Cooper |
| President of Card | Mark Daniel Mouadeb |
| Managing Vice President of Investor Relations | Danielle Dietz |
Major Backers & Investors (COF)
Notable institutional backers of Capital One Financial Corporation include JPMorgan, Franklin Resources, Inc., Harris Associates L.P., according to Nexqual as of October 23, 2026 at 09:23 UTC.
Active Investors
| Investor | Stake |
|---|---|
| JPMorgan | 2.9% |
| Franklin Resources, Inc. | 2.19% |
| Harris Associates L.P. | 1.87% |
| FMR, LLC | 1.81% |
| NORGES BANK | 1.63% |
| Fidelity | 1.32% |
Index Funds (Passive)
| Fund | Stake |
|---|---|
| Vanguard Group | 8.72% |
| BlackRock | 8.32% |
| State Street | 4.53% |
| Geode Capital | 2.34% |
Source: Nexqual, October 23, 2026 at 09:23 UTC.
From Capital One Financial Corporation's Latest SEC 10-K Filing (filed 2026-02-19)
Key Strengths & Strategy (as disclosed to the SEC)
- We and each of our subsidiaries, including the Bank, are subject to the "Volcker Rule," a provision of the Dodd-Frank Act that contains prohibitions on proprietary trading and certain investments in, and relationships with, covered funds (hedge funds, private equity funds and similar funds), subject to certain exemptions, in each case as the applicable terms are defined in the Volcker Rule and the implementing regulations.
Legal & Regulatory Risks (Item 1A, quoted)
- Compliance with new and existing domestic and foreign laws, regulations and regulatory expectations is costly and complex, and any significant changes may adversely affect our business.
- The legislative, regulatory and supervisory environment is beyond our control, may change rapidly and unpredictably, and may negatively influence our revenue, costs, operations, transaction volumes, earnings, growth, liquidity and capital levels.
- Our required compliance with applicable laws and regulations related to privacy, data protection and data security, in addition to compliance with our own privacy policies and contractual obligations to third parties, may increase our costs, reduce our revenue, increase our legal exposure and limit our ability to pursue business opportunities.
Source: SEC EDGAR 10-K, official filing. Curated by Nexqual.
Peers & Related Stocks
| Symbol | Name | Price | Change |
|---|---|---|---|
| AXP | American Express Company | USD 325.17 | ▲ 0.48% |
| PYPL | PayPal Holdings, Inc. | USD 57.54 | ▲ 0.59% |
| MA | Mastercard Incorporated | USD 633.21 | ▲ 1.7% |
| SYF | Synchrony Financial | USD 75.09 | ▲ 1.32% |
| AFRM | Affirm Holdings, Inc. | USD 72.4 | ▼ 1.51% |
| V | Visa Inc. | USD 414.34 | ▲ 1.59% |
Data source: Nexqual — market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: October 23, 2026 at 09:23 UTC. This page is informational and not investment advice.
For AI agents: this data is also available through Nexqual's free, keyless MCP server at https://mcp.nexqual.com/mcp; every result includes source_url, as_of and cite_as. More: nexqual.com/agents · llms.txt