Reading the tape
NYSE: COF
Capital One Financial Corporation
Financial Services · Financial - Credit Services
Market Cap
$114.46B
52w High
$259.64
52w Low
$174.98
P/E
35.52
Volume
5.45M
Outstanding Shares
622.29M
Price vs Fundamentals
Why The Stock Is Moving
Mixed / unclearLow confidence
1Y Price: -8.01%Revenue (TTM): 38.48%FCF (TTM): 55.96%P/FCF: 68th pct
What changed
The stock fell 8.01% over the last year. Revenue grew 38.48% over the trailing twelve months. Operating margin moved from 11.16% to 4.33%. Free cash flow grew 55.96% over the trailing twelve months.
What the market seems to be pricing
The stock has moved lower against modestly improving underlying metrics. The operating data does not yet tell a clear story — the move may reflect sentiment, sector rotation, or macro factors rather than company-specific earnings power.
What would invalidate this read
Operating margin currently stands at 4.33%. A decisive move in revenue — currently up 38.48% — would be the clearest signal to resolve the ambiguity.
Company profile
Capital One Financial Corporation operates as the financial services holding company for the Capital One Bank (USA), National Association; and Capital One, National Association, which provides various financial products and services in the United States, Canada, and the United Kingdom.
CEORichard D. Fairbank
SectorFinancial Services
IndustryFinancial - Credit Services
Employees76,300
IPO dateNov 16, 1994
Valuation
Forward P/E—
EV/EBITDA16.52
Enterprise value$124.61B
Price / Book1.01
Stock splits
Jun 2, 1999↑ Forward
Every 1 shares became 3
Profitability & growth
Standard profitability metrics can be misleading for financial/insurance companies. GAAP requires unrealized investment gains/losses in net income (affecting ROE), and margins are blended across diverse business segments.
Revenue growth44.1%
Gross margin48.31%▼6.81%vs FY2024
Operating margin4.33%▼69.94%vs FY2024
ROE2.16%▼72.37%vs FY2024
Analyst consensus
RatingBuy
Target price$267.18▲45.26%
34
Buy
18
Hold
4
Sell
Analyst ratings tend to be lagging indicators. Use as one signal among many.
Earnings
Full quarter-by-quarter history of actuals vs estimates. Switch into compare mode to inspect one metric year-over-year.
Next report
Jul 28, 2026
Q3 FY26 · EPS est $4.80 · Revenue est $15.75B
View
Dividends
$3.00/shareQuarterly3yr growth streakEx-div May 19, 2026 · in 8dSafeCOF pays a dividend with a 1.63% declared yield, 3 consecutive years of growth, growing at 24.57% annually, covered 14.8× by free cash flow.
Declared Yield
1.63%
Annual Div / Share
$3.00
TTM $2.80
5yr CAGR
+24.57%
Doubles every ~3.2yr
Payout Ratio
8.32%
Safe
Dividend Growth Rate
3yr CAGR
+7.72%
5yr CAGR
+24.57%
10yr CAGR
+6.49%
Dividend Safety
10/10Safe
Dividend History
Annualized dividend cycles per share
YearAnnual DivYoY
2026$3.00+25.0%
2025$2.40+0.0%
2024$2.40+0.0%
2023$2.40-20.0%
2022$3.00+200.0%
2021$1.00-37.5%
2020$1.60+0.0%
Income Projection
Invest
$
Growth rate:
Reinvest dividends
Today
$16/yr
$1/mo
In 5 yrs
$29/yr+76%
$2/mo
In 10 yrs
$51/yr+211%
$4/mo
| Today | In 5 yrs | In 10 yrs |
|---|---|---|
$16/yr $1/mo | $29/yr+76% $2/mo | $51/yr+211% $4/mo |
Long-range projections use a capped 12% annual growth assumption.
Yield-on-cost grows from 1.63% → 5.07% over 10yr
Analysis
Dividend Strengths
Well-covered by free cash flow
The dividend is covered 14.8× by free cash flow, indicating the company generates sufficient cash to sustain and potentially grow the payout without straining its finances.
Strong dividend growth rate
The 5-year CAGR of 24.57% meaningfully outpaces inflation, compounding real income growth for long-term holders.
Risks to Watch
No strong risk signal stands out from the latest period pair.
Congressional Activity
Congress Trades in COF
STOCK Act disclosures from senators and representatives.
Markwayne Mullin
OKsenateRepublicanPurchaseJoint2025-12-29$50,001 - $100,000+17d to disclose