Stocks · Financial Services · Financial - Credit Services
Capital One Financial Corporation COF
$194.72 +0.12% Close, Oct 2, 2026 · NYSE · Market cap $119.46B
Strong growthHigh qualityInexpensive vs sector
Next earnings report: Oct 20, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Diluted EPS over the last four quarters was $16.16, up 728.7% year over year.
- Operating margin widened to 21.0% from -0.9% a year earlier.
- The diluted share count rose 22.8% in a year.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 11%
- EPS growth (TTM, YoY)Top 2%
- FCF growth (TTM, YoY)Top 22%
- Revenue growth, 3-year CAGRTop 26%
- Revenue growth accelerationBottom 38%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 23%
- Gross marginTop 48%
- Operating marginBottom 48%
- Cash conversion (OCF / net income)Top 11%
- Accruals (lower is better)Top 21%
- Net debt / EBITDA (lower is better)Top 22%
- Interest coverTop 49%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 33%
- Free-cash-flow yieldTop 10%
- EBITDA / enterprise valueTop 8%
- Sales / enterprise valueTop 17%
- P/E vs own 5-year history (lower is better)Bottom 49%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthBottom 31%
- 6-month returnTop 47%
- 1-year return vs S&P 500Bottom 23%
- Distance from 52-week highBottom 19%
- Trend checklist (0–4)Bottom 27%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 24%
- Consecutive EPS beatsBottom 43%
- Share of analysts rating BuyTop 29%
- Upside to consensus price targetTop 21%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 36%
- Maximum drawdown, 3 yearsBottom 42%
- Beta vs S&P 500 (lower is better)Bottom 7%
- Net debt / EBITDA (lower is better)Top 22%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 38.5% | 36.9% | ↓ |
| EPS growth (YoY) | -76.1% | 728.7% | ↑ |
| Gross margin | 41.5% | 66.2% | ↑ |
| Operating margin | -0.9% | 21.0% | ↑ |
| FCF margin | 31.7% | 41.0% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 36.9% | 38.5% | ↓ | Top 11% |
| EPS growth (TTM, YoY) | 728.7% | -76.1% | ↑ | Top 2% |
| Gross margin | 66.2% | 41.5% | ↑ | Top 48% |
| Operating margin | 21.0% | -0.9% | ↑ | Bottom 48% |
| Net margin | 13.4% | 0.0% | ↑ | — |
| Free-cash-flow margin | 41.0% | 31.7% | ↑ | — |
| Return on invested capital | 6.8% | — | Top 23% | |
| Revenue growth, 3-year CAGR | 21.7% | — | Top 26% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 2.99×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -3.1%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.9%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -35.2 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- -0.43×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 1.0×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 0.32%
- Net buyback yield (TTM)
- -0.51%
- Shareholder yield
- -0.19%
- Share count change, 1 year
- +22.8%
- Share count change, 3-year CAGR
- +17.4%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Jul 28, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 1
- Beats in the last 8 reports
- 6 of 8
- Average EPS surprise, last 4
- +11.3%
- Average 2-day reaction, last 8
- +0.7%
- Positive 20 days after report
- 5 of 8
Analysts
- Consensus price target
- $250.92
- Target vs current price
- +28.9%
- Analysts with a rating
- 57
- Share rating Buy or Strong Buy
- 63%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 21, 2026 | +21.3% | -0.3% | +0.1% | +7.1% | — |
| Apr 21, 2026 | -1.8% | -1.6% | -5.6% | -9.0% | +3.0% |
| Jan 22, 2026 | -6.8% | +1.8% | -5.5% | -11.2% | -10.6% |
| Oct 21, 2025 | +32.5% | +1.0% | +4.0% | -6.5% | +10.3% |
| Jul 22, 2025 | +35.3% | +0.7% | -0.8% | +0.1% | -0.8% |
| Apr 22, 2025 | +11.5% | +3.1% | +10.9% | +19.5% | +32.0% |
| Jan 21, 2025 | +11.2% | +1.2% | +6.0% | +6.2% | -14.4% |
| Oct 24, 2024 | +19.9% | -0.6% | +8.1% | +17.1% | +30.3% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 21, 2026 | $5.81 | $4.79 | +21.3% | $15.85B |
| Apr 21, 2026 | $4.42 | $4.50 | -1.8% | $15.23B |
| Jan 22, 2026 | $3.86 | $4.14 | -6.8% | $15.58B |
| Oct 21, 2025 | $5.95 | $4.49 | +32.5% | $15.36B |
| Jul 22, 2025 | $5.48 | $4.05 | +35.3% | $12.58B |
| Apr 22, 2025 | $4.06 | $3.64 | +11.5% | $10.00B |
| Jan 21, 2025 | $3.09 | $2.78 | +11.2% | $10.19B |
| Oct 24, 2024 | $4.51 | $3.76 | +19.9% | $10.01B |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 12.0× | 11.1× | 57th | Top 33% |
| P/E (forward) | 9.5× | — | — | — |
| EV / EBITDA | 5.0× | — | — | Top 8% |
| EV / Sales | 1.40× | — | — | Top 17% |
| Free-cash-flow yield | 26.95% | — | — | Top 10% |
| Earnings yield | 8.30% | — | — | Top 33% |
P/E over the past five years
Range 4.7× – 110.3× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- -8.8%
- Earnings per share growth (TTM)
- +728.7%
- Change in P/E multiple
- -88.1%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- -0.2%
- 200-day average slope (20 days)
- -0.9%
- Distance from 50-day average
- -7.8%
- Distance from 200-day average
- -5.3%
- RSI (14)
- 35.0
- Relative volume
- 1.21×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 24.5%
- Volatility vs own 5-year history
- 15th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 1.49
- Correlation with S&P 500
- 0.71
- Current drawdown from 1-year high
- -24.5%
- Maximum drawdown, 3 years
- -31.7%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Aug 13, 2021 | May 4, 2023 | -51.8% | 433 days | 380 days (Nov 6, 2024) |
| Jan 6, 2026 | Mar 27, 2026 | -31.7% | 56 days | Not yet recovered |
| Feb 19, 2025 | Apr 4, 2025 | -28.2% | 32 days | 56 days (Jun 26, 2025) |
| Sep 18, 2025 | Nov 18, 2025 | -12.9% | 43 days | 12 days (Dec 5, 2025) |
| Jan 14, 2021 | Jan 26, 2021 | -12.7% | 7 days | 8 days (Feb 5, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $119.46B
- P/E (TTM)
- 12.0
- EPS, diluted (TTM)
- $16.16
- Revenue (TTM)
- $78.61B
- Dividend yield
- 1.64%
- 52-week range
- $174.24 – $259.64
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $32.03B | $38.37B | $49.48B | $53.94B | $69.25B |
| Gross profit | $32.38B | $28.40B | $26.36B | $27.40B | $32.78B |
| Operating income | $15.81B | $9.24B | $6.04B | $5.91B | $2.28B |
| Net income | $12.39B | $7.36B | $4.89B | $4.75B | $2.45B |
| EPS (diluted) | $26.94 | $17.91 | $11.95 | $11.59 | $4.03 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $13.80B | $13.81B | $13.40B | $16.41B | $19.82B | $19.61B | $19.32B | $19.86B |
| Net income | $1.78B | $1.10B | $1.40B | -$4.28B | $3.19B | $2.13B | $2.17B | $3.02B |
| EPS (diluted) | $4.41 | $2.67 | $3.45 | -$8.58 | $4.83 | $3.26 | $3.34 | $4.73 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $12.31B | $13.81B | $20.57B | $18.16B | $27.72B |
| Capital expenditure | -$698.0M | -$934.0M | -$961.0M | -$1.20B | -$1.58B |
| Free cash flow | $11.61B | $12.88B | $19.61B | $16.95B | $26.14B |
| Dividends paid | -$1.15B | -$950.0M | -$931.0M | -$932.0M | -$1.52B |
| Net share buybacks | -$7.40B | -$4.67B | -$419.0M | -$411.0M | -$4.19B |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $56.74B
- Total assets
- $673.84B
- Total liabilities
- $560.04B
- Total debt
- $45.37B
- Net debt
- -$9.34B
- Shareholders’ equity
- $113.79B
As of Jun 30, 2026 (filed Jul 28, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 17, 2026 | $0.80 | Sep 1, 2026 |
| May 19, 2026 | $0.80 | Jun 1, 2026 |
| Feb 19, 2026 | $0.80 | Mar 2, 2026 |
| Nov 17, 2025 | $0.80 | Dec 1, 2025 |
| Aug 15, 2025 | $0.60 | Sep 2, 2025 |
| May 23, 2025 | $0.60 | Jun 5, 2025 |
| Feb 18, 2025 | $0.60 | Mar 3, 2025 |
| Nov 14, 2024 | $0.60 | Nov 22, 2024 |
Short interest
- Shares sold short
- 9,857,399
- Days to cover
- 3.14
- Change vs previous report
- -10.3%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Jun 2, 1999
- 3-for-1