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Capital One Financial Corp (COF)

Surévalué
Financial ServicesCredit ServicesUnited States

Fondamental

69

Prix

$194.48

Capitalisation boursière

$120.53B

Partie 1 · Ce que vaut l'entreprise

Vue d'ensemble

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, time deposits, and sweep accounts. Its loan products include credit card and personal 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; bank lending; and provides advisory, capital markets, net interchange, 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 the District of Columbia. Capital One Financial Corporation was founded in 1988 and is headquartered in McLean, Virginia.

No editorial profile for this company yet

Direct competitors

Who this company fights with for the same customers

Compare

Generated on 18 septembre 2026 with claude-haiku-4-5 — shared with all users

P/E: 18.3Score: 70Market cap: $206.87B

Since buying Discover's networks, Capital One is the other US company that both issues cards and runs its own payment network, competing with American Express for the same consumer and small-business cardholders and for merchant acceptance.

P/E: 14.3Score: 68Market cap: $894.72B

The largest US card issuer by purchase volume, Chase competes head-on with Capital One for mainstream and travel-rewards cardholders and, through its branch and digital bank, for the same consumer deposits.

P/E: 7.3Score: 77Market cap: $23.27B

Synchrony lends to the same broad, often non-prime American cardholder through retailer co-brand and private-label programmes, and funds itself with the same kind of online savings deposits Capital One collects.

P/E: 18.2Score: 74Market cap: $229.70B

Citi is one of the top US card issuers and bids against Capital One for the same large co-brand partnerships with airlines and retailers, as well as for everyday revolving cardholders.

P/E: 8.8Score: 67Market cap: $11.62B

Ally is Capital One's closest rival in the two halves of its Consumer Banking segment: car loans written through dealerships and branchless, high-rate deposit accounts.

Bread Financial Holdings, Inc.BFH

Bread Financial issues store and co-brand cards to the same non-prime US consumers Capital One built its card book on, and gathers direct online deposits to fund them.

Bilan & Liquidités

Chiffre d'affaires

$62.02B

12 derniers mois (au 30/06/2026)

Résultat net

$10.52B

12 derniers mois (au 30/06/2026)

Flux de trésorerie libre

$26.14B

Capitaux propres totaux

$113.62B

Passif total

$555.39B

Ratio de liquidité général

-

Couverture des intérêts

0.26

Dette/EBITDA

-

Bénéfice par action

Chiffre d'affaires & Résultat net

Flux de trésorerie libre

Décomposition du résultat

État historique

Marges dans le temps

La dette dans le temps

Grille de la croissance

Croissance — Chiffre d'affaires

Estimation de la juste valeur

BanqueSurévalué

Juste valeur

$161.43

Prix actuel

$194.48

Marge de sécurité

-20.5%

Fourchette de juste valeur

$104.93 - $217.94

Écart entre les méthodes de valorisation utilisées, pas un intervalle de confiance calibré statistiquement.

Méthodes d'estimation

Objectif de cours des analystes:$259.05
Flux de trésorerie actualisés (DCF):Non applicable à ce type d'entreprise
Multiple de résultat (P/E):$157.77
Formule de croissance de Graham:Non applicable à ce type d'entreprise
Valeur de la capacité bénéficiaire (EPV):Non applicable à ce type d'entreprise
P/B justifié:$151.00
Actualisation des dividendes (Gordon):$44.77
P/FFO, les fonds provenant de l'exploitation:Non applicable à ce type d'entreprise
Bénéfices de milieu de cycle:Non applicable à ce type d'entreprise
Multiple sur le chiffre d'affaires:Non applicable à ce type d'entreprise
Consensus des analystes:Achat fort (24B / 5H / 0S)
Dernière surprise sur les résultats:+21.00%

Indicateurs de valorisation

Ratio P/E

11.29

ROE

2.2%

Ratio P/B

1.05

P/FCF

4.02

Marge brute

-

ROIC

-

Radar de rentabilité

Création de valeur (avantage concurrentiel)

ROIC

-

WACC

12.5%

ROIC − WACC

-

Critères d'analyse fondamentale

Réussi (16)

  • EPS shows upward trend
  • Price CAGR 9.09%
  • P/FCF 4.02
  • P/B Ratio 1.05
  • Operating Margin 21.0%
  • Positive Free Cash Flow
  • CapEx intensity
  • Low reliance on intangibles
  • Price below Graham Number
  • DCF valuation (Undervalued)
  • ROE 9.3%
  • Analyst Consensus 83% Buy
  • Earnings Surprise avg 11.2%
  • Earnings Quality (OCF/NI) 2.99
  • Net Margin Trend 17.0% vs 0.0%
  • Piotroski F-Score 5/9

Échoué (6)

  • EPS CAGR 0.08%
  • Debt/Equity ratio
  • Interest Coverage
  • Return on Tangible Assets
  • Revenue Growth 5Y 4.4%
  • Share Dilution 48.5%

Indisponible (6)

  • ROIC NaN%
  • Gross Margin NaN%
  • Dividend Payout NaN%
  • Current Ratio
  • Debt/EBITDA
  • PEG Ratio (need PE > 0 and growth > 0)

Score F de Piotroski

5/9

Signaux mixtes : certains domaines nécessitent attention

score
criteria

Qualité des bénéfices

2.99

Qualité élevée : bénéfices soutenus par la trésorerie

Dilution du capital

48.5%

Émission de nouvelles actions, diluant la participation

Participations institutionnelles

Gouvernance

Équipe dirigeante

NomTitreÂge
Mr. Richard D. FairbankFounder, Chairman, CEO & President74
Mr. Andrew M. YoungChief Financial Officer50
Mr. Matthew W. CooperPresident of Discover Integration, General Counsel & Secretary53
Mr. Frank G. LaPrade III, J.D.Chief Enterprise Services Officer & Chief of Staff to the CEO58
Mr. Mark Daniel MouadebPresident of Card41
Mr. Timothy P. GoldenSenior VP, Chief Accounting Officer & Controller53
Mr. Robert M. AlexanderChief Information Officer60
Mr. Danielle DietzManaging Vice President of Investor Relations-
Ms. Kaitlin Burek HaggertyChief Human Resources Officer41
Mr. Sanjiv YajnikPresident of Financial Services68

Risque d'audit

3

Risque du conseil

7

Risque de rémunération

8

Risque droits des actionnaires

2

Partie 2 · Le prix et le moment d'entrer

Cette partie ne dit pas si l'entreprise vaut la peine : elle aide à choisir quand l'acheter, une fois que les fondamentaux vous ont convaincu. À l'intérieur : analyse technique, potentiel, baisses historiques, exposition gamma.

Documents

  • Rapport annuel (10-K)

    Un aperçu annuel de l'activité, des résultats financiers et des risques de l'entreprise.

    Déposé le 2026-02-19

    Voir le document
  • Rapport trimestriel (10-Q)

    Une mise à jour de la performance financière des trois derniers mois.

    Déposé le 2026-07-28

    Voir le document
  • Rapport d'événement important (8-K)

    Un avis concernant un événement important, comme un changement de direction ou une annonce majeure.

    Déposé le 2026-09-15

    Voir le document

via SEC EDGAR

Historique des résultats

via SEC EDGAR

Latest News

Recent headlines for COF, sourced from Markets Gazette.

  • 8/4/2026NEUTRAL
    Capital One had 300 Trump accounts — then its money-laundering team stepped in

    Capital One Financial Corporation has clarified that the closure of approximately 300 accounts associated with Donald Trump was the result of a routine, months-long anti-money laundering (AML) review, rather than political motivations. This explanation, detailed in a bank filing, aims to address potential speculation surrounding the account closures. While the specific details of the AML review are not public, the bank's statement emphasizes its adherence to regulatory compliance and internal risk management protocols. Investors will monitor Capital One's ongoing compliance efforts and any potential impact on its reputation or operational costs.

  • 7/21/2026POSITIVE
    Capital One Profit Beats Estimates as Loan-Loss Provisions Drop

    Capital One Financial Corp. reported a profit in the second quarter, surpassing analyst expectations. This positive turn was primarily driven by a significant reduction in loan-loss provisions, which were lower than the consensus estimates. The company, a leading US credit-card lender, demonstrated improved financial health by requiring less capital to be set aside for potential defaults. This outcome suggests better-than-expected credit quality within its loan portfolio and potentially a more favorable economic outlook for its customer base, which is a strong signal for investors.

  • 4/22/2026NEGATIVE
    Capital One increases provision for bad-debt expenses as earnings miss Wall Street consensus

    Capital One Financial Corporation reported a significant 72% year-over-year increase in its provisions for credit losses, leading to earnings that missed Wall Street's consensus expectations. This rise in bad-debt provisions signals potential deterioration in loan portfolio quality and increased risk for the bank. Investors will be closely watching the bank's future guidance and its ability to manage these growing credit risks, as this trend could impact profitability and capital adequacy in the coming quarters.

  • 4/21/2026NEUTRAL
    Capital One Finl Q1 2026 Earnings Call: Complete Transcript

    Capital One Financial Corporation has released the complete transcript of its Q1 2026 Earnings Call, dated April 21, 2026. While the transcript provides detailed insights into the company's performance, strategic discussions, and outlook, it does not contain new financial results or forward-looking guidance that would immediately impact its stock price. Investors are advised to review the transcript for a deeper understanding of management's commentary on market conditions, operational efficiency, and future growth drivers.

  • 4/21/2026NEGATIVE
    Capital One Boosts Provision for Bad Loans, Misses Estimates

    Capital One Financial Corp. reported first-quarter results that fell short of Wall Street expectations, with a notable increase in provisions for bad loans. This move indicates a more cautious outlook on credit quality and potential future defaults. The company's profit miss suggests underlying pressures within its lending portfolio, which could impact future profitability and investor sentiment. For shareholders, this news signals potential headwinds and a need to reassess the company's risk exposure and earnings trajectory.

  • 4/13/2026POSITIVE
    Capital One Financial, Amazon, Nvidia And More On CNBC's 'Final Trades'

    Analysts express strong optimism regarding Capital One Financial's upcoming earnings report, positioning it as a key investment opportunity. This positive sentiment extends to other major tech players, with Amazon and Nvidia also highlighted as top expert picks. The focus on Capital One suggests anticipation of robust financial performance, potentially driven by strong loan growth or improved net interest margins. For investors, this news indicates a favorable outlook for the financial sector, with specific confidence placed in Capital One's ability to outperform.

  • 3/23/2026POSITIVE
    Capital One Stock Gains After Judge Dismisses Trump Lawsuit

    Capital One Financial shares experienced a notable uptick on Monday following the dismissal of a lawsuit filed by former President Trump and his business entities. The legal challenge, which had cast a shadow over the company's operations, was thrown out by a judge, removing a significant overhang. This development is viewed positively by investors, suggesting a reduction in potential legal liabilities and a clearer path forward for the financial institution. The stock's positive reaction indicates renewed confidence in Capital One's stability and future prospects.

  • 3/12/2026NEUTRAL
    Capital One: A Strong Contender in the Banking Sector?

    Capital One is being analyzed as a potential investment opportunity within the banking sector, with a focus on the implications of its recent acquisition for investors. While the article poses a question about its strength, it does not provide specific financial data or performance metrics to confirm a positive or negative outlook. The acquisition's impact remains to be detailed, making this a preliminary assessment rather than a definitive performance review. Further analysis of the acquisition's strategic fit and financial outcomes is required to determine its true market position and investor value.

  • 3/11/2026POSITIVE
    Here's How Capital One Financial Beats The Market From Here

    Capital One Financial's acquisition of Discover Financial Services represents a significant strategic shift, creating a formidable competitor in the U.S. credit card landscape. This merger is expected to unlock substantial synergies and enhance Capital One's market position, potentially leading to improved profitability and a stronger competitive moat. Investors should monitor the integration process and the realization of projected cost savings and revenue enhancements. The combined entity is poised to challenge established players and capture greater market share, signaling a positive outlook for shareholders.

via Markets Gazette