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Capital One Financial Corp (COF)

Valor Justo
Financial ServicesCredit ServicesUnited States

Fundamental

69

Preço

$192.73

Capitalização de Mercado

$120.53B

Parte 1 · Quanto vale a empresa

Visão Geral

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 de setembro de 2026 with claude-haiku-4-5 — shared with all users

P/E: 18.5Score: 65Market 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: 14.2Score: 62Market 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: 71Market 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: 18.5Score: 67Market 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: 65Market 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.

Balanço & Liquidez

Receita

$62.02B

Últimos 12 meses (até 30/06/2026)

Resultado Líquido

$10.52B

Últimos 12 meses (até 30/06/2026)

Fluxo de Caixa Livre

$26.14B

Capital Próprio Total

$113.62B

Passivo Total

$555.39B

Rácio de Liquidez

-

Cobertura de Juros

0.26

Dívida/EBITDA

-

Resultados Por Ação

Receita & Resultado Líquido

Fluxo de Caixa Livre

Decomposição dos Resultados

Demonstração histórica

Margens ao longo do tempo

A dívida ao longo do tempo

Grelha do crescimento

Crescimento — Receitas

Estimativa de Valor Justo

BancoJustamente Valorizada

Valor Justo

$160.88

Preço Atual

$192.73

Margem de Segurança

-19.8%

Intervalo de Valor Justo

$104.57 - $217.19

Dispersão entre os métodos de avaliação utilizados, não um intervalo de confiança calibrado estatisticamente.

Métodos de Estimativa

Preço-alvo dos analistas:$259.05
Fluxo de caixa descontado (DCF):Não aplicável a este tipo de empresa
Multiplicador de lucros (P/E):$154.46
Fórmula de crescimento de Graham:Não aplicável a este tipo de empresa
Valor da capacidade de gerar lucro (EPV):Não aplicável a este tipo de empresa
P/B justificado:$151.00
Desconto de dividendos (Gordon):$44.77
P/FFO, fundos de operações:Não aplicável a este tipo de empresa
Lucros de meio de ciclo:Não aplicável a este tipo de empresa
Multiplicador sobre as receitas:Não aplicável a este tipo de empresa
Consenso dos Analistas:Compra Forte (24B / 5H / 0S)
Última Surpresa de Resultados:+21.00%

Métricas de Avaliação

Rácio P/E

11.21

ROE

2.2%

Rácio P/B

1.04

P/FCF

3.99

Margem Bruta

-

ROIC

-

Radar de Rentabilidade

Criação de Valor (Vantagem Competitiva)

ROIC

-

WACC

12.5%

ROIC − WACC

-

Critérios de Análise Fundamental

Aprovado (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

Reprovado (6)

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

Indisponível (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

Sinais mistos: algumas áreas requerem atenção

score
criteria

Qualidade dos Resultados

2.99

Alta qualidade: resultados respaldados por caixa

Diluição de Ações

48.5%

A emitir novas ações, diluindo a participação

Participações institucionais

Governação

Equipa Executiva

NomeCargoIdade
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

Risco de Auditoria

3

Risco do Conselho

7

Risco de Remuneração

8

Risco dos Direitos dos Acionistas

2

Parte 2 · O preço e o momento de entrar

Esta parte não serve para saber se a empresa vale: serve para escolher quando comprá-la, depois que os fundamentos te convenceram. Dentro: análise técnica, potencial, quedas históricas, exposição gama.

Documentos

  • Relatório anual (10-K)

    Uma visão anual do negócio, dos resultados financeiros e dos riscos da empresa.

    Arquivado em 2026-02-19

    Ver documento
  • Relatório trimestral (10-Q)

    Uma atualização sobre o desempenho financeiro dos últimos três meses.

    Arquivado em 2026-07-28

    Ver documento
  • Relatório de fato relevante (8-K)

    Um aviso sobre um fato relevante, como uma mudança na liderança ou um grande anúncio.

    Arquivado em 2026-09-15

    Ver documento

via SEC EDGAR

Histórico de Resultados

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