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Capital One Financial Corp (COF)

Fair Value
Financial ServicesCredit ServicesUnited States

Fondamentale

69

Prezzo

$190.77

Capitalizzazione

$120.53B

Parte 1 · Quanto vale l'azienda

Panoramica

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.

Per questa società non c'è ancora una scheda redazionale

Concorrenti diretti

Con chi questa società si contende gli stessi clienti

Confronta

Generato il 18 settembre 2026 con claude-haiku-4-5 — condiviso con tutti gli utenti

P/E: 18.5Punteggio: 65Capitalizzazione: $206.87B

Da quando ha rilevato le reti di Discover, Capital One è l'altra società americana che emette carte e gestisce una rete di pagamento propria: si contende con American Express gli stessi titolari di carta, consumatori e piccole imprese, e la stessa accettazione presso i negozi.

P/E: 14.2Punteggio: 65Capitalizzazione: $894.72B

Primo emittente americano di carte per volume di spesa, Chase si scontra direttamente con Capital One sulle carte generaliste e a punti viaggio e, con la sua rete di filiali e la banca digitale, sugli stessi depositi delle famiglie.

P/E: 7.3Punteggio: 71Capitalizzazione: $23.27B

Synchrony presta agli stessi correntisti americani, spesso di merito creditizio medio-basso, tramite carte co-branded e di catena, e si finanzia con gli stessi depositi online che raccoglie Capital One.

P/E: 18.5Punteggio: 67Capitalizzazione: $229.70B

Citi è fra i maggiori emittenti americani di carte e concorre con Capital One per gli stessi grandi accordi co-branded con compagnie aeree e catene commerciali, oltre che per i clienti che usano la carta tutti i giorni.

P/E: 8.8Punteggio: 65Capitalizzazione: $11.62B

Ally è il rivale più vicino a Capital One sui due pilastri della divisione Consumer Banking: i prestiti auto erogati tramite i concessionari e i conti di deposito ad alto rendimento senza sportelli.

Bread Financial Holdings, Inc.BFH

Bread Financial emette carte di catena e co-branded rivolte agli stessi consumatori americani di fascia non-prime su cui Capital One ha costruito il proprio portafoglio carte, e le finanzia con depositi raccolti online.

Stato Patrimoniale e Liquidità

Ricavi

$62.02B

Ultimi 12 mesi (al 30/06/2026)

Utile Netto

$10.52B

Ultimi 12 mesi (al 30/06/2026)

Free Cash Flow

$26.14B

Patrimonio Netto Totale

$113.62B

Passività Totali

$555.39B

Rapporto di Liquidità

-

Copertura Interessi

0.26

Debito/EBITDA

-

Utile per Azione

Ricavi e Utile Netto

Free Cash Flow

Scomposizione Ricavi

Prospetto storico

Margini nel tempo

Il debito nel tempo

Griglia della crescita

Crescita — Ricavi

Stima del Fair Value

BancaCorrettamente Valutato

Fair Value

$160.88

Prezzo Attuale

$190.77

Margine di Sicurezza

-18.6%

Range Fair Value

$104.57 - $217.19

Intervallo di dispersione tra i metodi di valutazione usati, non una stima statisticamente calibrata.

Metodi di Stima

Target degli analisti:$259.05
Flussi di cassa scontati (DCF):Non applicabile a questo tipo di azienda
Multiplo sugli utili (P/E):$154.46
Formula di Graham:Non applicabile a questo tipo di azienda
Valore della capacità di reddito (EPV):Non applicabile a questo tipo di azienda
P/B giustificato:$151.00
Sconto dei dividendi (Gordon):$44.77
P/FFO, i fondi da operazioni:Non applicabile a questo tipo di azienda
Utili di mezzo ciclo:Non applicabile a questo tipo di azienda
Multiplo sui ricavi:Non applicabile a questo tipo di azienda
Consenso Analisti:Strong Buy (24B / 5H / 0S)
Ultima Sorpresa Utili:+21.00%

Metriche di Valutazione

Rapporto P/E

11.21

ROE

2.2%

Rapporto P/B

1.04

P/FCF

3.99

Margine Lordo

-

ROIC

-

Radar Redditività

Creazione di Valore (Vantaggio Competitivo)

ROIC

-

WACC

12.5%

ROIC − WACC

-

Criteri di Analisi Fondamentale

Superati (16)

  • EPS shows upward trend
  • Price CAGR 9.09%
  • P/FCF 3.99
  • P/B Ratio 1.04
  • 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

Non superati (6)

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

Non disponibili (6)

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

Piotroski F-Score

5/9

Segnali misti: alcune aree necessitano attenzione

score
criteria

Qualità degli Utili

2.99

Alta qualità: utili supportati da cash

Diluizione Azionaria

48.5%

Emissione nuove azioni, diluizione proprietà

Partecipazioni istituzionali

Governance

Team Dirigenziale

NomeRuoloEtà
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

Rischio Audit

3

Rischio CdA

7

Rischio Compensi

8

Rischio Diritti Azionisti

2

Parte 2 · Il prezzo e il momento d'ingresso

Questa parte non serve a capire se l'azienda vale: serve a scegliere quando comprarla, dopo che i fondamentali ti hanno convinto. Dentro: analisi tecnica, potenziale, drawdown storici, esposizione gamma.

Documenti

  • Relazione annuale (10-K)

    Una panoramica annuale del business, dei risultati finanziari e dei rischi dell'azienda.

    Depositato il 2026-02-19

    Vedi documento
  • Relazione trimestrale (10-Q)

    Un aggiornamento sull'andamento finanziario degli ultimi tre mesi.

    Depositato il 2026-07-28

    Vedi documento
  • Comunicazione price-sensitive (8-K)

    Una comunicazione su un evento importante, come un cambio ai vertici o un grande annuncio.

    Depositato il 2026-09-15

    Vedi documento

via SEC EDGAR

Storico Ricavi

via SEC EDGAR

Ultime Notizie

Ultime notizie per COF, da 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