NYSE · COF

Capital One Financial Corporation

Financial Services · Financial - Credit Services

$204.85▼ 1.86% ($3.89)at close

After hours$204.44▼ 0.20%5:07 PM ET

52-week

$174.24

Valuation

P/E Valuation

Estimated value / share · Base

$173.65

−15%

−15%vs price used $204.85

USD · Trailing earnings · Price Oct 30, 8:00 PM UTC

Price vs. estimate range

Assumption scenarios, not confidence intervals

P/E multiple: 9.7×
Earnings basis: Trailing EPS

USD · Trailing earnings · Price Oct 30, 8:00 PM UTC

P/E scenarios apply a multiple to trailing EPS. They are not editable; choose Bear, Base or Bull above.

Current P/E

11.5×

Market multiple

Fair-value P/E

9.7×

5-Year Avg P/E

Fair value / share

$173.65

P/E based estimate

Price vs Fundamentals

Why The Stock Is Moving

Mixed / unclearLow confidence

1Y Price: -6.2%Income (TTM): 81.3%P/E: 62nd pct

What changed

The stock fell 6.2% over the last year. Income grew 81.3% over the trailing twelve months. Operating margin moved from 5.64% to 31.71%.

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 31.71%. A decisive move in income — currently up 81.3% — would be the clearest signal to resolve the ambiguity.

Return analysis

Company profile

Capital One Financial Corporation, identified by its ticker COF, operates as a prominent financial services holding company.

CEORichard D. Fairbank

SectorFinancial Services

IndustryFinancial - Credit Services

Employees77,500

IPO dateNov 16, 1994

https://www.capitalone.com

Market multiples

Forward P/E—

EV/EBITDA (FY2025 year-end)16.52

Enterprise value (FY2025 year-end)$124.61B

Price / Book (Sep 2026 quarter-end)1.15

Stock splits

Jun 2, 1999↑ Forward

Every 1 shares became 3

+200%

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.

Income growth (Q3 FY26 YoY)5.32%

Gross margin (TTM)N/A

Operating margin (FY2025)6.96%▼14.6ppvs FY2024

ROE (TTM to Sep 2026)9.73%▲6.9ppvs FY2025

Analyst consensus

RatingBuy

Target price$252.89▲23.45%

Buy

Hold

Sell

Analyst ratings tend to be lagging indicators. Use as one signal among many.

Earnings

Actuals vs estimates by quarter, or any quarter against the same one a year earlier.

Next report

Jan 28, 2027

Q4 FY26 · EPS est $4.86 · Revenue est $16.6B

Same quarter, year over year

FY26 YTD +9.2%

Each cell vs the same quarter a year earlier (the cell below) · Q1–Q3 combined $16.92 vs $15.49 · all 3 quarters up

FY total

FY26

—

FY25

$19.35+38.7%

FY24

$13.95—

FY23

—

Fiscal year totals

FY25: $19.35; +38.7%
FY24: $13.95; —

SlowerFaster growth(darkest from 39%)

BeatMissIn lineYear-ago cell

Q3 FY26

Reported Oct 20, 2026 · Latest

HoverTap a cell to inspect

Actual

$6.69

Beat by 21%

Estimate

$5.53

Street consensus

Year over year

+12.4%

vs Q3 FY25 · $5.95

Vs prior quarter

+15.1%

vs Q2 FY26 · $5.81

Price range $191.95-$227.34 · daily closes Jul 1-Sep 30

Implied at 9.9x street P/E $204.85 · street TTM EPS × current multiple

Institutional Sentiment

Capital One Financial Corporation · COF

From Form 13F filings (managers with $100M+). Filings land up to 45 days after quarter end — read this as positioning context, not live fund flow.

NYSE · COF

Capital One Financial Corporation

Financial Services · Financial - Credit Services

$204.85▼ 1.86% ($3.89)at close

After hours$204.44▼ 0.20%5:07 PM ET

52-week

$174.24

Valuation

P/E Valuation

Estimated value / share · Base

$173.65

−15%

−15%vs price used $204.85

USD · Trailing earnings · Price Oct 30, 8:00 PM UTC

Price vs. estimate range

Assumption scenarios, not confidence intervals

P/E multiple: 9.7×
Earnings basis: Trailing EPS

USD · Trailing earnings · Price Oct 30, 8:00 PM UTC

P/E scenarios apply a multiple to trailing EPS. They are not editable; choose Bear, Base or Bull above.

Current P/E

11.5×

Market multiple

Fair-value P/E

9.7×

5-Year Avg P/E

Fair value / share

$173.65

P/E based estimate

Price vs Fundamentals

Why The Stock Is Moving

Mixed / unclearLow confidence

1Y Price: -6.2%Income (TTM): 81.3%P/E: 62nd pct

What changed

The stock fell 6.2% over the last year. Income grew 81.3% over the trailing twelve months. Operating margin moved from 5.64% to 31.71%.

What the market seems to be pricing

What would invalidate this read

Operating margin currently stands at 31.71%. A decisive move in income — currently up 81.3% — would be the clearest signal to resolve the ambiguity.

Return analysis

Company profile

Capital One Financial Corporation, identified by its ticker COF, operates as a prominent financial services holding company.

CEORichard D. Fairbank

SectorFinancial Services

IndustryFinancial - Credit Services

Employees77,500

IPO dateNov 16, 1994

https://www.capitalone.com

Market multiples

Forward P/E—

EV/EBITDA (FY2025 year-end)16.52

Enterprise value (FY2025 year-end)$124.61B

Price / Book (Sep 2026 quarter-end)1.15

Stock splits

Jun 2, 1999↑ Forward

Every 1 shares became 3

+200%

Profitability & growth

Income growth (Q3 FY26 YoY)5.32%

Gross margin (TTM)N/A

Operating margin (FY2025)6.96%▼14.6ppvs FY2024

ROE (TTM to Sep 2026)9.73%▲6.9ppvs FY2025

Analyst consensus

RatingBuy

Target price$252.89▲23.45%

Buy

Hold

Sell

Analyst ratings tend to be lagging indicators. Use as one signal among many.

Earnings

Actuals vs estimates by quarter, or any quarter against the same one a year earlier.

Next report

Jan 28, 2027

Q4 FY26 · EPS est $4.86 · Revenue est $16.6B

Same quarter, year over year

FY26 YTD +9.2%

Each cell vs the same quarter a year earlier (the cell below) · Q1–Q3 combined $16.92 vs $15.49 · all 3 quarters up

FY total

FY26

—

FY25

$19.35+38.7%

FY24

$13.95—

FY23

—

Fiscal year totals

FY25: $19.35; +38.7%
FY24: $13.95; —

SlowerFaster growth(darkest from 39%)

BeatMissIn lineYear-ago cell

Q3 FY26

Reported Oct 20, 2026 · Latest

HoverTap a cell to inspect

Actual

$6.69

Beat by 21%

Estimate

$5.53

Street consensus

Year over year

+12.4%

vs Q3 FY25 · $5.95

Vs prior quarter

+15.1%

vs Q2 FY26 · $5.81

Price range $191.95-$227.34 · daily closes Jul 1-Sep 30

Implied at 9.9x street P/E $204.85 · street TTM EPS × current multiple

Institutional Sentiment

Capital One Financial Corporation · COF

From Form 13F filings (managers with $100M+). Filings land up to 45 days after quarter end — read this as positioning context, not live fund flow.