Capital One Financial Corp (COF)
Fair ValueFondamentale
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
Generato il 18 settembre 2026 con claude-haiku-4-5 — condiviso con tutti gli utenti
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.
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.
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.
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.
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 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
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
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
Segnali misti: alcune aree necessitano attenzione
Qualità degli Utili
Alta qualità: utili supportati da cash
Diluizione Azionaria
Emissione nuove azioni, diluizione proprietà
Partecipazioni istituzionali
Governance
Team Dirigenziale
| Nome | Ruolo | Età |
|---|---|---|
| Mr. Richard D. Fairbank | Founder, Chairman, CEO & President | 74 |
| Mr. Andrew M. Young | Chief Financial Officer | 50 |
| Mr. Matthew W. Cooper | President of Discover Integration, General Counsel & Secretary | 53 |
| Mr. Frank G. LaPrade III, J.D. | Chief Enterprise Services Officer & Chief of Staff to the CEO | 58 |
| Mr. Mark Daniel Mouadeb | President of Card | 41 |
| Mr. Timothy P. Golden | Senior VP, Chief Accounting Officer & Controller | 53 |
| Mr. Robert M. Alexander | Chief Information Officer | 60 |
| Mr. Danielle Dietz | Managing Vice President of Investor Relations | - |
| Ms. Kaitlin Burek Haggerty | Chief Human Resources Officer | 41 |
| Mr. Sanjiv Yajnik | President of Financial Services | 68 |
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
- Vedi documento
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
via SEC EDGAR
Storico Ricavi
via SEC EDGAR
Ultime Notizie
Ultime notizie per COF, da Markets Gazette.
- 8/4/2026NEUTRALCapital 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.
- 7/21/2026POSITIVECapital 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.
- 4/22/2026NEGATIVECapital 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.
- 4/21/2026NEUTRALCapital 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.
- 4/21/2026NEGATIVECapital 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.
- 4/13/2026POSITIVECapital 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.
- 3/23/2026POSITIVECapital 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.
- 3/12/2026NEUTRALCapital 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.
- 3/11/2026POSITIVEHere'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