Capital One Financial Corporation (COF) Stock

Capital One Financial Corporation (COF) is a Financials stock trading at $208.04 (as of 2026-07-17), with a market capitalization of $129.46B and a trailing P/E of 40.2. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

Capital One Financial Corporation is a financial services holding company for Capital One Bank (USA), National Association and Capital One, National Association. It provides credit card, consumer, and commercial banking products such as deposits, loans, cards, online banking, and treasury and depository services to customers in the United States, Canada, and the United Kingdom.

Understand Capital One Financial Corporation: how it makes money

Capital One provides credit card and consumer and commercial banking products, including deposits (checking, savings, time deposits) and loans, and it makes money through its lending and deposit-funded banking operations in the United States, Canada, and the United Kingdom.

Capital One’s profit model is built on earning from its loan portfolios (credit card, auto and retail, and commercial) using a customer deposit base as funding (checking, savings, time deposits, and other deposit types).

Business quality (Solid): A diversified bank franchise across Credit Card, Consumer Banking, and Commercial Banking, with performance tied to credit quality and the relationship between loan yields and deposit and funding costs.

Valuation: At 51× earnings, COF trades 305% above the Banking average (13×). Note: one-time items can distort reported P/E.

Bull case

  • Diversified product mix: The company operates across Credit Card, Consumer Banking, and Commercial Banking, with both deposit-taking and multiple types of lending.
  • Broad deposit funding base: It accepts several deposit types, including checking, savings, time deposits, and money market deposits, which supports its lending activities.

Bear case

  • Credit and repayment risk: Lower borrower performance or higher credit losses in its credit card, consumer, and commercial loan portfolios can pressure results.
  • Interest rate and funding cost sensitivity: Bank earnings can be impacted if deposit and funding costs move unfavorably relative to loan yields, or if economic conditions reduce repayment capacity.
Valuation — source: SEC EDGAR (first-party)
Price$208.04
Market Cap$129.46B
P/E Ratio40.2
EV / EBITDA5.6
Price / Book1.15
Price / Sales2.21
FCF Yield21.1%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$53.43B
Net Margin4.6%
Revenue Growth (YoY)52.3%
EPS Growth (YoY)-3.5%
FCF Growth (YoY)26.6%
Valuation vs Sector & Industry
Stock P/E40.2
Sector P/E (Financials)15.5
Industry P/E (Banking)13.5
vs Sector159.1%
vs Industry197.3%
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderVANGUARD GROUP INC ($13.79B)
Institutional Holders Tracked10
Congressional Trades (recent)10
Company
SectorFinancials
IndustryBanking
CEORichard D. Fairbank
Employees53,900
CountryUS
IPO Date1994-11-16

Related Companies (Business model: Universal / Commercial Bank + Specialty Finance / Lending; 8 closest by market cap; US-domiciled)

  • Bank of America Corporation (BAC)
  • Wells Fargo & Company (WFC)
  • Citigroup Inc. (C)
  • The PNC Financial Services Group, Inc. (PNC)
  • U.S. Bancorp (USB)
  • Truist Financial Corporation (TFC)
  • Huntington Bancshares Incorporated (HBAN)
  • Regions Financial Corporation (RF)
COF earnings history · COF institutional & insider holders · COF KPIs & operating metrics · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-07-17.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.