Capital One Financial Corporation (COF-PI) Stock Price & Analysis
Capital One Financial Corporation (COF-PI) closed at USD 16.72 on Friday, October 23, 2026, down 0.30% on the day. The US market is currently closed; this is not a live price.
The prior close was USD 16.77; the Oct 23, 2026 session ranged USD 16.71–16.87 on volume of 148,415 shares. Market capitalization is —, with a 52-week range of USD 15.95–20.44 (NYQ). Source: Nexqual, retrieved October 24, 2026 at 11:33 UTC.
Also available as compact Markdown for AI agents: nexqual.com/COF-PI.md
Key facts (COF-PI)
- Last four reported quarters (through Jun 30, 2026): revenue $62.0B, net income $10.5B (17.0% margin) (SEC filings).
- 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).
- Total return with dividends: 1Y -11.8% vs S&P 500 +13.4%; 5Y -14.3% vs S&P 500 +76.9%.
Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters) (COF-PI)
| 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-PI)
P/E at fiscal year-ends: Dec 2025 4.2x, Dec 2024 1.5x, Dec 2023 1.4x.
Insider sales (SEC Form 4, open-market, last ~7 months) (COF-PI)
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.
Total return (dividends reinvested) (COF-PI)
| 1Y (from 2025-10-24) | 5Y (from 2021-10-25) | |
|---|---|---|
| Total return | -11.8% | -14.3% |
| S&P 500 (SPY) | +13.4% | +76.9% |
| Per year | -11.8% | -3.0% |
| Volatility (annualized) | 9.6% | 20.0% |
| Max drawdown | -15.7% (Feb 2026→Oct 2026) | -33.7% (Dec 2021→Oct 2023) |
COF-PI 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-PI 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-PI 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-PI 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-PI analyst estimates and revisions
| Period | EPS estimate | 90 days ago | Change | Revenue estimate | Analysts |
|---|---|---|---|---|---|
| Current quarter (ends Dec 2026) | — | — | — | $16.55B | — |
| Next quarter (ends Mar 2027) | — | — | — | $16.23B | — |
| Current fiscal year (ends Dec 2026) | — | — | — | $64.05B | — |
| Next fiscal year (ends Dec 2027) | — | — | — | $67.49B | — |
Key Statistics (as of October 24, 2026 at 11:33 UTC)
| Price | USD 16.72 |
|---|---|
| Change | ▼ 0.30% (down) |
| Previous Close | USD 16.77 |
| Open | USD 16.78 |
| Day Range | USD 16.71 – 16.87 |
| 52-Week Range | USD 15.95 – 20.44 |
| Volume | 148,415 shares |
| Market Cap | — |
| Exchange | NYQ |
Technical Analysis (COF-PI)
Nexqual's technical model rates COF-PI "SELL" based on 1 bullish and 4 bearish signals across 127 daily candles, as of October 24, 2026 at 11:33 UTC.
| Overall Signal | SELL |
|---|---|
| RSI (14) | 45.02 (neutral) |
| vs SMA50 | Below (USD 17.13) |
| MACD | -0.11 (negative) |
Earnings (COF-PI)
| Revenue Estimate | $16.55B |
|---|
Source: Nexqual, October 24, 2026 at 11:33 UTC.
Financials & Fundamentals (COF-PI)
| 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 24, 2026 at 11:33 UTC.
Financial Health Score (COF-PI)
Nexqual rates Capital One Financial Corporation's overall financial health "Mixed" across five dimensions, as of October 24, 2026 at 11:33 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-PI)
| Insider Ownership | +0.00% |
|---|---|
| Institutional Ownership | +16.62% |
| Float | 593.04M |
Source: Nexqual, October 24, 2026 at 11:33 UTC.
Leadership (COF-PI)
Capital One Financial Corporation is led by Richard D. Fairbank, Founder, Chairman, CEO & President, per Nexqual as of October 24, 2026 at 11:33 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 |
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 |
|---|---|---|---|
| COF-PJ | Capital One Financial Corporati | USD 16.04 | ▼ 0.31% |
| COF-PL | Capital One Financial Corporati | USD 14.7 | ▼ 0.47% |
| BAC-PN | Bank of America Corporation Dep | USD 17.87 | ▲ 0.11% |
| COF-PK | Capital One Financial Corporati | USD 15.52 | ▼ 0.25% |
| WFC-PZ | Wells Fargo & Company Depositar | USD 16.79 | ▲ 0.12% |
Data source: Nexqual — market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: October 24, 2026 at 11:33 UTC. This page is informational and not investment advice.
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