COF

Capital One Financial Corporation

$199.83

-0.95% 2026-10-19

FinancialsS&P 500

1M 3M 6M 1Y 2Y

COFSPY

-0.7%

-1.3%

-3.0%

-2.1%

YTD

-16.6%

-4.0%

Grades vs sector

Momentum

18th pct in sector

12-1 return: -10.9%
Percentile within its GICS sector across the S&P 1500.

Growth

100th pct in sector

A+

Revenue growth (YoY): +1111.0%
Percentile within its GICS sector across the S&P 1500.

Value

79th pct in sector

B+

Forward E/P: 11.9% · EBITDA/EV: –
Percentile within its GICS sector across the S&P 1500.

Profitability

34th pct in sector

C-

Profit margin: +21.9% · Return on equity: +9.0%
Percentile within its GICS sector across the S&P 1500.

Revisions

no data

–

EPS estimate change, 30 days (current FY): –
30-day change in analysts' current-year EPS estimate; graded across covered stocks.

Our models

Not held by any of our 3 live models right now.

Momentum Top 15

rank 312 of 499 · 12-1 momentum % 2.5

Quality Growth

not ranked (outside this model's universe or screens)

Momentum Blend

not in the current book

Key stats

Market cap$122.6B

P/E (trailing)12.8

P/E (forward)8.3

52-week range174.24 – 259.64

Revenue growth (YoY, latest qtr)+1111.0%

Dividend yield1.59%

Analyst consensusBuy (21)

Mean price target$250.48 (+25%)

Valuation & fundamentals

Bottom line

Looks undervalued

Model read-out from the numbers below, not advice. Score +4 (DCF counts double).

▲DCF (base case)above the price by 1469%

▲Forward P/E vs sector8.3x vs median 10.2x

•Piotroski F-score5/9

▲Analyst target+25% (21 analysts)

Discounted cash flow

Bear

$1,390

+596%

growth 18% · disc. 10.4% · term. 2.0%

Base

$3,136

+1469%

growth 30% · disc. 9.4% · term. 2.5%

Bull

$5,915

+2860%

growth 38% · disc. 8.5% · term. 3.0%

A DCF starts from trailing free cash flow, so it can overstate value if the last 12 months were unusually strong (or weak). Use the bear case or edit the starting cash flow if so.

Reverse DCFfor context, not a signal

Not meaningful for consumer finance: for banks, insurers and lenders, cash moving through loans and deposits swamps "free cash flow". Book value and earnings are better guides.

Edit assumptions · recalculates instantly

Your value per share–

Free cash flow = operating cash flow − capital spending, trailing 12 months (TTM to 2026-06-30). Growth default: average of 3-year revenue CAGR and latest revenue growth, capped at 30%. Years 6–10 fade linearly to terminal growth. Discount rate = 4.25% risk-free assumption + beta 1.04 × 5% equity premium, kept within 7–13%. Bear: lower growth, +1 pt discount, 2% terminal. Bull: higher growth, −1 pt, 3%.

Multiples vs Financials

P/E (trailing)

sector median 13.0× · 49th pct

12.8×
cheaper

Forward P/E

sector median 10.2× · 21st pct

8.3×
cheaper

EV / EBITDA

sector median 10.9×

–

Price / sales

sector median 2.8× · 38th pct

2.0×
cheaper

Price / book

sector median 1.6× · 23rd pct

1.1×
cheaper

FCF yield

sector median 8.2% · 93rd pct

24.2%
cheaper

Forward EPS $24.07 vs trailing $15.57 (+55% expected growth). Forward P/E uses analysts' next-12-month estimate.

Quality & financial health

Gross margin

–

Operating margin

–

FCF margin

47.9%

Net margin

17.0%

Return on equity

9.2%

Return on invested capital

–

Net debt / EBITDA

–

Current ratio

–

Interest cover

–

Cash conversion (OCF/NI)

3.0×

Piotroski F-score 5/9 · last two fiscal years

✓ Positive net income✓ Positive operating cash flow✗ Return on assets improved✓ Cash flow above net income✓ Long-term debt / assets fell✗ Current ratio improved✗ No share dilution✗ Gross margin improved✓ Asset turnover improved

Analysts

Mean target

$250

+25%

Analysts

Buy

Range

$219–$285

low – high

● price · ◆ mean target

Annual history

FY	Revenue	Net income	Free cash flow
2025	$53.4B	$2.5B	$26.1B
2024	$39.1B	$4.8B	$17.0B
2023	$36.8B	$4.9B	$19.6B
2022	$34.2B	$7.4B	$12.9B
2021	$30.4B	$12.4B	$11.6B
2020	$28.5B	$2.7B	$16.0B

From the company's 10-K filings via SEC XBRL. 3-year revenue CAGR +16.0%.

Earnings

Next report: 2026-10-20 · after close · EPS est 5.50

EstimateActual (beat)Actual (miss)

Report	EPS est	Actual	Surprise
2026-07-21	4.69	5.81	+23.8%
2026-04-21	4.57	4.42	-3.3%
2026-01-22	4.14	3.86	-6.8%
2025-10-21	4.36	5.95	+36.4%
2025-07-22	3.72	5.48	+47.4%
2025-04-22	3.65	4.06	+11.2%
2025-01-21	2.80	3.09	+10.3%
2024-10-24	3.76	4.51	+20.0%

Quarterly revenue

Quarter	Revenue	YoY
2026-06-30	$15.8B	+26.9%
2026-03-31	$15.2B	–
2025-12-31	$15.4B	–
2025-09-30	$15.5B	–
2025-06-30	$12.5B	–

Analyst actions

JP Morgan

2026-10-12 · main

Overweight → Overweight
PT $227

Morgan Stanley

2026-10-12 · main

Overweight → Overweight
PT $267

BMO Capital

2026-10-09 · init

→ Market Perform
PT $219

TD Cowen

2026-10-06 · main

Buy → Buy
PT $242

Barclays

2026-10-05 · main

Overweight → Overweight
PT $237

Evercore ISI Group

2026-10-01 · main

Outperform → Outperform
PT $220

Recent dividends

2026-08-17: $0.800 · 2026-05-19: $0.800 · 2026-02-19: $0.800 · 2025-11-17: $0.800 · 2025-08-15: $0.600 · 2025-05-23: $0.600 · 2025-02-18: $0.600 · 2024-11-14: $0.600

Insider trades

Karam Celia

Pres, Retail Bank · 2026-10-15

SELL
$377.4K

Dean Lia

Pres, Banking & Prem. Products · 2026-10-15

SELL
$369.6K

Cooper Matthew W

General Counsel & Corp Secy · 2026-10-06

SELL
$686.8K

Karam Celia

Pres, Retail Bank · 2026-09-15

SELL
$415.6K

Dean Lia

Pres, Banking & Prem. Products · 2026-09-15

SELL
$425.7K

Cooper Matthew W

General Counsel & Corp Secy · 2026-09-01

SELL
$749.4K

Dean Lia

Pres, Banking & Prem. Products · 2026-08-17

SELL
$494.3K

Dean Lia

Pres, Banking & Prem. Products · 2026-08-17

SELL
$226

Karam Celia

Pres, Retail Bank · 2026-08-17

SELL
$425.6K

Karam Celia

Pres, Retail Bank · 2026-08-17

SELL
$226

Mouadeb Mark Daniel

President, Card · 2026-08-13

SELL
$269.8K

Zamsky Michael

Chief Credit & Fin'l Risk Off. · 2026-08-10

SELL
$1.2M

News

After a Streak Not Seen Since 2008, Bank Stocks Face a Five-Day Test

CNW Group · 11h ago

ETFs Are Buying Capital One (COF) on Thursday

GuruFocus.com · 13h ago

Best CD rates today, Monday, October 19, 2026: Multiple offers at 4.40% APY

Yahoo Personal Finance · 14h ago

Meta, Tesla Earnings, Housing Data: What to Watch This Week

The Wall Street Journal · 15h ago

Capital One (COF) Q3 Earnings: What To Expect

StockStory · 19h ago

Song of S2: He gets knocked down, but he gets up again

The Real Deal · Oct 18

Best CD rates today, Sunday, October 18, 2026: Earn up to 4.40% APY

Yahoo Personal Finance · Oct 18

Best CD rates today, Saturday, October 17, 2026: Lock in up to 4.40% APY

Yahoo Personal Finance · Oct 17

Capital One Adjusts Price Target on Occidental Petroleum to $73 From $75

MT Newswires · Oct 16

Best CD rates today, Friday, October 16, 2026: Earn up to 4.40% APY with multiple offers

Yahoo Personal Finance · Oct 16

Stats refreshed 2026-10-19 19:02:07 ET from Yahoo Finance (yfinance). "–" means the data isn't available. Refresh now

coteau

Hypothetical research for education, not investment advice. Data: Yahoo Finance (via yfinance, delayed), SEC EDGAR.

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