Capital One Financial Corp (COF)
Financials · Consumer Finance · US stock · S&P 500 component
$201.74
▲ +2.88 (1.45%)
Fair valueFair
$231 +14.7% to fair value
$116fair band $139–$324$347
Day's range
$200.27 – $204.01
52-week range
$173.62 – $256.64
Red flags⚠ Heavy dilution
About Capital One Financial Corp
Capital One Financial is a bank holding company best known for credit cards, and it also offers auto loans, consumer banking and commercial lending. It earns money mostly from interest on loans, especially card balances, plus fees and interchange income from card spending. The company funds its lending largely through customer deposits, and credit quality and charge-offs are key factors that influence its results.
The company pays a dividend with a yield of 1.6%. Looking at the numbers, trailing revenue is $62.0 billion, and it grew 16.0% a year over the past three years. Operating margin is 21.0%, while return on invested capital is 10%. Taken together, these figures give an X-Ray Score of 62 out of 100.
Written with AI from public information and the filing figures on this page, then checked automatically for unsupported numbers. It can contain mistakes: read the company's own filings below before relying on it.
Price chart
52-wk range $173.62 – $256.64Volume 4,747,900Daily, split-adjusted
Vitals
Market cap$125.3B
52-week range$173.62 – $256.64
Volume (last day)4,747,900
P/E (TTM)11.6
EBIT / EV yield11.3%
Free-cash-flow yield23.7%
Dividend yield1.6%
Revenue (TTM)$62.0B
Net income (TTM)$10.5B
Operating margin21.0%
Return on capital9.8%
Debt incl. leases$45.4B
Cash & securities$55.9B
Debt = borrowings plus lease liabilities. Cash & securities = cash, equivalents and short-term marketable securities (long-term securities are not counted, so net cash can be understated for companies like Apple). Net debt = debt minus cash & securities. Source: latest SEC 10-Q/10-K. EBIT / EV yield = operating profit divided by market cap plus net debt.
Fair value estimate
$231
Fair
+14.7% to fair value
Equal blend of three models: peer multiples, a fundamentals-adjusted multiple (growth, ROIC and margin) and a 10-year DCF scaled to the market's average. Earnings-power value (no growth) is a floor and not part of the blend. Model uncertainty is High, so the safety margin is 40%.
Price $202
Undervalued < $139Fair $139 – $324Overvalued > $324
Excess-return (bank)
$189
A model estimate, not a price target or recommendation. Inputs: risk-free 5.09%, equity risk premium 4.23% (Damodaran). How it works.
What this means
Weak business, fairly priced
The price sits inside our fair-value band. A high score does not guarantee a good outcome; it shifts the odds a little. Use the checklist as a prompt for your own research.
Before you invest · decision checklist
Ticked boxes are filled in from our data; the rest are yours to answer.
The five-lens scan
Every score explained in one sentence, ranked against Financials peers. Open a lens to see the numbers behind it.
Valuation
Strong
80/100
Cheap against its sector on earnings and cash flow.
See the numbers →
EBIT / EV yield11.3%
Free-cash-flow yield23.7%
Fair value vs price1.1×
Growth
Fair
66/100
Growing at a typical pace for its sector.
See the numbers →
Revenue growth (3y)16.0%
EPS growth (3y)-39.2%
Growth consistency100%
Profitability
Weak
39/100
Earns lower returns on its capital than most peers.
See the numbers →
Return on invested capital9.8%
Operating margin21.0%
Financial health
Fair
61/100
Balance sheet is in typical shape for its sector.
See the numbers →
Piotroski F-Score6 / 9
Net debt / EBITDA-0.5×
Interest coverNo interest cost
Dividends
Fair
64/100
Dividend is typical for its sector.
See the numbers →
Dividend yield1.6%
Dividends vs free cash flow7%
Dividend growth16.9%
Quarterly results: last 6 quarters
+6.4%
Mar '25
+31.4%
Jun '25
+53.4%
Sep '25
+52.9%
Dec '25
+52.3%
Mar '26
+26.9%
Jun '26
Revenue against the same quarter a year earlier. Latest quarter revenue $15.9B, diluted EPS $4.73.
Compare with peers
SYF Synchrony Financial70 AXP American Express Co52Other Consumer Finance companies by X-Ray Score.
Fundamentals checklist
● 9 Good · ● 1 Average · ● 3 BadCash quality
Earnings backed by cashGood
Free-cash-flow yieldGood
Risk models
Piotroski F-ScoreAverage
Growth
EPS growth (3y)Bad
Free-cash-flow growth (3y)Good
Revenue growth (3y)Good
Growth consistencyGood
Balance sheet
Net debt / EBITDAGood
Interest coverGood
Valuation
Fair value vs priceGood
EBIT / EV yieldGood
Profitability
Return on invested capitalBad
Operating marginBad
Each check is graded against the company's sector, not a fixed number. Checklist score 61/100.
Financials
| FY21 | FY22 | FY23 | FY24 | FY25 | |
|---|---|---|---|---|---|
| Revenue | $30.4B | $34.3B | $36.8B | $39.1B | $53.4B |
| Operating income | $17.4B | $13.4B | $18.7B | $5.9B | $2.3B |
| Net income | $12.4B | $7.4B | $4.9B | $4.8B | $2.5B |
| Operating cash flow | $12.3B | $13.8B | $20.6B | $18.2B | $27.7B |
| Operating margin | 57.2% | 39.0% | 50.9% | 15.1% | 4.3% |
| Free cash flow | $11.6B | $12.9B | $19.6B | $17.0B | $26.1B |
| Diluted EPS | $26.94 | $17.91 | $11.95 | $11.59 | $4.03 |
Fiscal years, from SEC filings.
Technical summary
Daily
Bearish
5 bullish · 1 neutral · 10 bearish
Weekly
Bearish
4 bullish · 1 neutral · 7 bearish
Monthly
Bullish
5 bullish · 1 neutral · 2 bearish
Moving averages (daily)
| SMA 10 | 198.0 | Bullish |
| EMA 10 | 198.5 | Bullish |
| SMA 20 | 197.7 | Bullish |
| EMA 20 | 199.5 | Bullish |
| SMA 50 | 208.0 | Bearish |
| EMA 50 | 203.1 | Bearish |
| SMA 100 | 203.5 | Bearish |
| EMA 100 | 203.4 | Bearish |
| SMA 200 | 202.2 | Bearish |
| EMA 200 | 202.9 | Bearish |
Oscillators (daily)
| RSI (14) | 51.63 | Neutral |
| MACD (12, 26) | -2.09 | Bearish |
| Momentum (12) | 4.49 | Bullish |
| Stochastic %K (14) | 84.05 | Bearish |
| Williams %R (14) | -15.95 | Bearish |
| CCI (20) | 128.0 | Bearish |
Pivot points (classic, last session)
S3 196.3 | S2 198.3 | S1 200.0 | Pivot 202.0 | R1 203.7 | R2 205.7 | R3 207.5 |
Signals describe what the chart is doing, not what to do. Moving averages: price above the average is bullish. Oscillators use the usual thresholds (RSI 30/70, Stochastic 20/80, CCI ±100, Williams %R −80/−20; MACD and momentum above zero are bullish). Weekly and monthly views use closing prices only.
Dividends
Paid, last 12 months
3.20 USD
Yield on today's price
1.59%
Frequency
Quarterly
Next ex-dividend date
Not announced
| Ex-dividend date | Amount per share |
|---|---|
| 17 Aug 2026 | 0.8000 |
| 19 May 2026 | 0.8000 |
| 19 Feb 2026 | 0.8000 |
| 17 Nov 2025 | 0.8000 |
| 15 Aug 2025 | 0.6000 |
| 23 May 2025 | 0.6000 |
| 18 Feb 2025 | 0.6000 |
| 14 Nov 2024 | 0.6000 |
| 12 Aug 2024 | 0.6000 |
| 10 May 2024 | 0.6000 |
| 9 Feb 2024 | 0.6000 |
| 10 Nov 2023 | 0.6000 |
Ex-dividend dates and amounts from EODHD. Shown as declared, before tax.
COF SEC filings
15 Sep 2026
8-KSEC EDGAR
Other events
15 Sep 2026
8-KSEC EDGAR
Regulation FD disclosure
15 Sep 2026
8-KSEC EDGAR
Regulation FD disclosure
8 Sep 2026
424B5SEC EDGAR
424B5
1 Sep 2026
8-KSEC EDGAR
Current report
20 Aug 2026
8-KSEC EDGAR
Other events
17 Aug 2026
8-KSEC EDGAR
Regulation FD disclosure
28 Jul 2026
10-QSEC EDGAR
Quarterly report
Where the numbers come from
Statements SEC EDGAR filings (10-K, 10-Q), quarters derived from year-to-date figures.
Prices end-of-day closes, split-adjusted.
Industry inputs beta, multiples and equity risk premium from Damodaran Online (NYU Stern).
StocksXray is for education only and is not financial advice. Scores and fair values are model estimates from public filings and carry uncertainty.