COF$222.13
$221
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Performance
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AI COF Summary
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Powered by LiveAIOverall Analysis
BuyCapital One Financial Corporation exhibits strong fundamental performance with robust profitability and a healthy balance sheet, supported by its established position in the financial services sector. However, recent price action suggests some short-term technical headwinds, and the current valuation, while reasonable in some metrics, warrants careful consideration. The company's dividend history is stable, adding to its appeal for income-focused investors.
Thematic
Capital One operates within the stable yet evolving financial services industry. Key themes include digital transformation in banking, the impact of interest rate environments on lending and credit card businesses, and regulatory shifts. While not a high-growth technology play, its focus on digital channels and data analytics positions it to adapt to changing consumer preferences.
Fundamental
Capital One demonstrates strong financial health with consistent revenue growth and healthy profit margins. Its balance sheet is robust, supported by significant assets and manageable debt levels. The company has a history of consistent dividend payments, contributing to its appeal as a stable investment.
Technical
The stock is trading below its recent highs and shows mixed signals across different timeframes. While the longer-term trend might still be positive, short-term indicators suggest a period of consolidation or potential downward pressure. Investors should monitor key support and resistance levels.
| Factor | Score |
|---|---|
| Digital Transformation in Banking | 75 |
| Interest Rate Sensitivity | 65 |
| Regulatory Environment | 60 |
| Competitive Landscape | 70 |
| Economic Cycle Sensitivity | 70 |
| Factor | Score |
|---|---|
| Valuation | 65 |
| Profitability | 85 |
| Growth | 75 |
| Balance Sheet Health | 80 |
| Cash Flow | 85 |
| Dividends | 70 |
| Factor | Score |
|---|---|
| Trend Analysis | 55 |
| Momentum | 50 |
| Support & Resistance | 70 |
| Volume | 65 |
| Short-Term Momentum | 60 |
AI Investing Checklist
Powered by LiveAIBullish Points (6)
Strong EPS Surprises
The company has consistently exceeded EPS estimates, with surprise percentages of 9.53% in Q2 2025, 9.65% in Q1 2025, and 19.94% in Q4 2024, indicating robust earnings generation.
Improving Valuation Metrics
The Price-to-Sales (PS) ratio has trended downwards from 3.9 in 2022 to 2.9 in 2024, suggesting an improvement in valuation relative to revenue.
Bearish Points (8)
High P/E Ratio
The trailing Price-to-Earnings (P/E) ratio is 31.6, which is significantly higher than the 2021 P/E of 7.0, suggesting a potentially overvalued stock based on current earnings.
Slowing Revenue and Net Income Growth
Net margin has declined from 40.7% in 2021 to 12.1% in 2024, and revenue growth has decelerated, indicating potential challenges in expanding profitability.
Calendar
May 2025
23
Ex-Dividend Date
June 2025
5
Next Dividend Date
October 2025
24
Next Earnings Date
H: $5.67
A: $4.23
L: $3.57
H: 15.47B
A: 14.96B
L: 14.41B
Profile
Capital One Financial Corporation operates as the financial services holding company for the Capital One, National Association, which engages in the provision of various financial products and services in the United States, Canada, and the United Kingdom. It operates through three segments: Credit Card, Consumer Banking, and Commercial Banking. The company accepts checking accounts, money market deposits, negotiable order of withdrawals, savings deposits, and time deposits. Its loan products include credit card loans; auto and retail banking loans; and commercial and multifamily real estate, and commercial and industrial loans. The company offers credit and debit card products; online direct banking services; and provides advisory, capital markets, treasury management, and depository services. It serves consumers, small businesses, and commercial clients through digital channels, branches, cafés, and other distribution channels located in New York, Louisiana, Texas, Maryland, Virginia, New Jersey, and California. Capital One Financial Corporation was founded in 1988 and is headquartered in McLean, Virginia.
Seasonals
Price Target
242.62 USD
The 39 analysts offering 1 year price forecasts for COF have a max estimate of 276.00 and a min estimate of 160.00.
Debt Level and Coverage
Financial Position Analysis
Ownership
Capital Structure
Valuation - Summary
Valuation - Ratios
Revenue to Profit Conversion
Balance Sheet
Income Statement
Cash Flow
Related Companies
Powered by LiveAIWeight: 98
Direct Competitor: As a major diversified financial institution, JPMorgan Chase competes directly with Capital One in credit cards, auto loans, retail banking, and commercial banking services across various consumer and business segments.
Weight: 97
Direct Competitor: Bank of America is another large universal bank offering a wide array of financial products, including extensive credit card portfolios, auto loans, and consumer banking, which are core to Capital One's business.
Weight: 95
Direct Competitor: Wells Fargo is a significant U.S. bank with a strong presence in consumer lending, including credit cards and auto loans, and a large retail banking network that often targets similar customer demographics as Capital One.
Weight: 93
Direct Competitor: Citigroup maintains a substantial global consumer banking franchise, particularly strong in credit cards, directly competing with Capital One for market share in this lucrative sector.