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COF

S&P 500
Neutral · 57/100

Capital One

Financials
Consumer Finance

$200.70

0.4%

Updated Today 7:15 PM ET

Price — Past Year

▲ Up 2.2% over the last 12 months

Price 50-day average 200-day averageSource: Yahoo Finance · refreshed daily
Key Metrics

Market Cap

$124.15B

P/E

38.4x

Forward P/E (est.)

54.86x

ROE

2.9%

Revenue Growth

38.2%

EPS Growth

-73.3%

Profit Margin

14.9%

FCF Yield

11.0%

Debt / Equity

0.44x

ROIC

Interest Coverage

Current Ratio

Dividend Yield

1.6%

Implied Growth (rev. DCF)

-10.0%

Rating Score

57/100

Technical Analysis (Educational)
Research

Technical analysis reads price and volume to judge momentum and timing. It complements the fundamentals above — it does not replace them. Here is what COF's chart says today, with each tool explained.

Trend — moving averages. A moving average is the average closing price over a window, which smooths out daily noise. COF trades near $200.70, around its 50-day average ($190.32) and 200-day average ($209.76). Price tangled in its moving averages means there is no clear trend — the stock is ranging.

Momentum — RSI. The Relative Strength Index runs 0–100 and measures how strong recent gains are versus losses. Above 70 is "overbought", below 30 "oversold". At 63 it is in neutral territory — neither stretched nor washed out.

MACD. MACD compares two moving averages to flag shifts in momentum. Its histogram is currently positive — short-term momentum is improving.

Volatility — ATR. Average True Range is the typical daily move. COF's is $6.28 (~3.1% of price), so swings of about that size each day are normal — handy for setting a stop that isn't too tight.

Support & resistance. Over the last month COF found buyers near $174.24 (support) and sellers near $207.30 (resistance); its 52-week range is $174.24–$259.64. A decisive break beyond either edge often marks the next move.

Volume. The latest session traded 1.3× the 20-day average — about normal. Rising volume on up-days suggests real buying; on down-days, real selling.

Educational information to help you read a chart — not a recommendation or a forecast. It updates daily as the price and indicators change.

Business Overview
Research

Capital One (COF) is a large-cap company in the Consumer Finance industry, part of the Financials sector of the S&P 500, with a market value around $124.15B.

In its latest reported year it generated about $8.06B in revenue and $2.45B in net profit.

Our model rates COF Neutral (57/100) on growth, profitability, financial health, and valuation. The summary below is built from its filed financials and current ratios and refreshes automatically.

Revenue Growth
Research

4Y CAGR

14.0%

Revenue moved from $4.78B in 2021 to $8.06B in 2025, a 14.0% compound annual growth rate. The most recent year grew a strong 38.2% year over year. Consistent top-line growth is one sign of healthy demand.

Profitability
Research

Gross Margin

Operating Margin

18.3%

Net Margin

30.4%

ROE

2.9%

Capital One keeps about 14.9% of each sales dollar as net profit. Return on equity is 2.9%. Margins are moderate — typical of a competitive but profitable business.

Debt Analysis
Research

Total Debt

$43.88B

Net Debt

$43.88B

Net Debt / EBITDA

Debt / Equity

0.44x

Leverage: debt-to-equity is 0.4x. That is a conservative balance sheet — a cushion in downturns.

Cash Flow Analysis
Research

Operating CF

$27.72B

Free Cash Flow

$26.14B

FCF Margin

324.2%

In the latest year Capital One produced about $27.72B of operating cash flow and $26.14B of free cash flow after capital spending. That is a free-cash-flow yield of about 11.0% on today's price. Strong cash generation funds dividends, buybacks, and reinvestment.

Valuation Analysis
Research

P/E

38.4x

P/S

1.19x

P/B

1.36x

EV / EBITDA

COF trades at 38.4x trailing earnings (about 54.9x on estimated forward earnings), 1.2x sales, and 1.4x book value. Reverse-engineering today's price implies the market expects roughly -10.0% long-term free-cash-flow growth. That is a premium multiple that needs growth to justify it.

Metrics vs. Typical Range

Where this stock sits versus what most companies trade at.

TTM P/E
38.4xExpensive
Forward P/E
54.9xExpensive
P/S ratio
1.2xCheap
Revenue growth
38.2%Strong
EPS growth
-73.3%Weak
Gross margin
Net margin
14.9%Strong
ROE
2.9%Weak

Typical ranges are general references (e.g., many stocks trade at ~18–26x earnings), not hard rules. Context only — not investment advice.

Sector Peer Comparison

How COF stacks up against its Financials peers — valuation, profitability, and growth versus the sector median.

In the Financials sector (76 S&P 500 companies), COF ranks #52 of 76 by our overall rating. It trades at a premium versus the sector on earnings (38.4x P/E vs. 15.2x median) with a lower return on equity (2.9% vs. 15.3%) and faster revenue growth (38.2% vs. 9.1%).

P/E vs sector

38.4x

median 15.2x

ROE vs sector

2.9%

median 15.3%

Growth vs sector

38.2%

median 9.1%

Sector rank

#52

of 76 by rating

CompanyP/ERev Gr.Rating
COFThis stock38.4x38.2%Neutral· 57
AXP20.6x9.4%Neutral· 56
SYF7.1x20.5%Strong· 73
CB11.1x8.2%Favorable· 70
SPGI25.5x8.5%Favorable· 65
PGR10.3x13.9%Strong· 72
BX48.3x15.2%Favorable· 60
BNY17.8xFavorable· 67
Financials median15.2x9.1%65/100

Valuation vs. quality map

sector medianAXPSYFCBSPGIPGRBXCOFP/E — cheaper ←→ pricierROE — more profitable ↑

The sweet spot is upper-left: more profitable (higher ROE) for a lower P/E. Dashed lines mark the sector median.

Compare side by side

Peers are the closest Financials companies by sub-industry and size. Sector median is across all 76 S&P 500 names in the sector. Educational, not a recommendation.

5-Year Projection Model

Project revenue → earnings → price. Edit the assumptions to build your own case.

2030 price target (Base Case)

$447.40$739.18

vs. $200.70 today · expected CAGR 17%30%

Metric20262027202820292030
Revenue$11.13B$15.35B$21.19B$29.24B$40.35B
Net income$3.34B$4.61B$6.36B$8.77B$12.10B
EPS$5.36$7.40$10.21$14.10$19.45
Share price (low)$123.36$170.24$234.93$324.20$447.40
Share price (high)$203.81$281.26$388.14$535.64$739.18
CAGR (low–high)-39% / 2%-8% / 18%5% / 25%13% / 28%17% / 30%

Educational model on sample fundamentals — not a forecast or investment advice. Outputs are only as good as your assumptions.

Bull Case

The case for COF:

  • Revenue is growing 38.2% a year, a sign of real demand.
  • Healthy free-cash-flow yield (~11.0%) funds buybacks and dividends.
  • A conservative balance sheet (debt/equity 0.4x) lowers risk.
Bear Case

The case against COF:

  • Like any single stock, it is exposed to competition, the economic cycle, and shifts in its end markets.
Key Risks
Research

Valuation risk — at 38.4x earnings, disappointing results could compress the multiple.

Market risk — sector rotation, the economic cycle, and broad sentiment move the stock regardless of fundamentals.

Investment Thesis
Research

On balance, the picture is mixed: Capital One is a large-cap financials business still growing nicely, with solid profitability, and a sound balance sheet. It trades at 38.4x earnings, which our model scores Neutral (57/100). Weigh this against your own goals and time horizon — this is educational information, not a recommendation.

Data notice. Fundamentals and financial statements are sourced from company filings (SEC EDGAR) and market-data providers; prices and market caps refresh on trading days and may be delayed. Ratings, projections, technical signals, and written summaries are model- or rule-generated for education and may simplify or lag the latest filings.

Not advice. Nothing on this page is investment advice or a recommendation to buy, hold, or sell any security. Do your own research and consult a licensed financial professional before investing.