— Know what they know.
/
Not Investment Advice

COF

NYSE · USD
Capital One Financial Corporation
Financial Services · Financial - Credit Services
CEO Richard D. Fairbank Employees 76,300 R&D / revenue 0.0%
Last price
$201.74+1.45%last session
Market cap
$123.8B
P/E (TTM)
12.5x
From 52w high
−22.3%
From 52w low
+15.8%
1-year return
−0.3%
RSI 14 · vs SMA200
51.6 · −0.7%
IS score
63.4/ 100
Factor model across 8 sub-scores, ranked against 3,010 US stocks. Describes the business, not the outlook.
Download full factsheet (PDF)

One year, rebased to 100

COF   SPY   XLF (sector ETF) · weekly closes
90100110120130Jan 26Apr 26Jul 26Oct 26SPY 116XLF 107COF 100

Score DNA

Each bar is a 0-100 score within the scored universe
61
Profitability
59
Growth
83
Value
85
Momentum
90
Risk (safety)
81
Quality
45
Balance sheet
89
Earnings quality

Flags

Strengths
✓ Net cash✓ Congress buying
Warnings
▲ Share count rising
Observations
Moat model: Weak, Efficient ScalePiotroski 7 / 9Beta 1.023 of 4 smart-money sources active

Smart-money strip

Each disclosure source on its own window. Filings coinciding is not coordination.
INSForm 4 · 180 days
Insider open-market buys
0
23 open-market sales, $10.6M
No Form 144 notices in 12 months
CONGSTOCK Act · 180 days
Congressional purchases
2
Last disclosed purchase 2026-06-30
Members disclose in ranges, 30-45 days after the trade
13F13F · quarter to 2026-06-30
Net change in institutional holders
+55
232 new holders, 152 closed
2,119 filers hold 87.2% · 819 added, 771 trimmed
ETFETF holdings · 30 days
Net funds accumulating
+48
1,219 funds adding shares
1,171 funds trimming · counts of funds, not dollars
DARKFINRA · daily
Short-sale share of off-exchange volume
18.2%
20-day avg 31.5%, 50-day avg 38.9%
Latest 13.3 pp under its 20-day average · a flow, not short interest

Key financials · FY2025

USD, fiscal year. Stock-based compensation is non-cash; shown against FCF.
Income statement
Revenue$69.3B
Revenue growth YoY+28.4%
Gross margin47.3%
Operating income$2.3B
Operating margin3.3%
Net income$2.5B
Net margin3.5%
EPS (diluted)$3.36
Cash flow
Operating cash flow$27.7B
Capital expenditure$1.6B
Free cash flow$26.1B
FCF conversion (FCF / OCF)94.3%
Stock-based compensation$776.0M
FCF less SBC$25.4B
Buybacks$4.1B
Dividends$1.8B
Balance sheet & returns
Cash & short-term investments$61.7B
Total debt$51.0B
Net cash$10.7B
Shareholders' equity$113.6B
Goodwill & intangibles$45.1B
Debt / equity0.40
ROE (TTM)9.3%
ROIC (TTM)6.8%
Operating margin by fiscal year
49.4%FY202124.1%FY202212.2%FY202311.0%FY20243.3%FY2025
Revenue $32.0B (FY2021) to $69.3B (FY2025), a 21.3% CAGR.

Valuation

P/E (TTM)12.5x
EV / EBITDA5.0x
Price / sales1.57x
Price / FCF3.8x
FCF yield26.02%
Buyback yield3.31%
SBC / revenue0.9%
Price / book1.10x
Forward P/E FY20269.8x
Forward P/E FY20278.4x
Forward P/E FY20287.3x
Forward multiples divide today's price by Street EPS estimates. Street mean target $247.00 across 8 analysts last quarter is theirs, not ours.

COF vs industry median

165 companies in Financial - Credit Services
Gross margin 66.2% 76.4% Operating margin 21.0% 13.1% Net margin 13.4% 6.2% ROIC 6.8% 5.9%
COF (TTM)Industry median Asset turnover 0.12 vs industry 0.20 · financial leverage 5.92

Earnings delivery

Next report 2026-10-20 · consensus EPS $5.50
58%
beat rate, 7 of 12 quarters
+10.1%
median EPS surprise
5
longest beat streak
+9+37-10-3-7+20+11+12+35+33-7-2
EPS surprise in % vs the consensus at the time, oldest (left) to newest, 2023-07-20 to 2026-04-21. Bars cap at ±60%.

Peers

Market-cap band, not the industry cohort above
CompanyMkt capP/EROENet marginRev growth12m return
COF Capital One Financial Corpor $123.8B12.5x9.3%13.4%+28.4% −0.3%
AXP American Express Company $211.8B19.0x34.4%14.4%+9.4% −2.9%
PYPL PayPal Holdings, Inc. $48.5B10.6x24.5%12.7%+5.7% −14.0%
MA Mastercard Incorporated $540.9B33.9x241.1%47.3%+16.0% +12.3%
SYF Synchrony Financial $24.0B7.5x20.8%18.9%−2.4% +5.3%
GPN Global Payments Inc. $22.1Bn/m-4.2%-0.3%+14.8% —
AFRM Affirm Holdings, Inc. $22.0B13.0x45.1%—+29.8% —
V Visa Inc. $751.7B34.2x61.2%48.4%+14.4% —
12-month window: SPY +15.9%, sector ETF XLF +7.2%. Past returns describe history only.

Recent 8-K filings

No 8-K filings on file.

Context

Shares outstanding613,485,000
Free float98.9%
Institutional ownership87.2%
Beta1.02
Dividend yield1.59%
Last dividend$0.80 on 2026-08-17
50 / 200-day average$208.42 / $203.51
Large-cap Financial Services median P/E14.0x

Full factsheet

The PDF carries everything on this page plus the cash-allocation waterfall, Form 144 notices, 13F holder detail, dark-pool and short-flow history, seasonality and the moat assessment (Weak).

Read it in the browser Download (PDF)

All fundamentals · 140 measures in 13 categories

Percentile = where COF sits among 43 scored companies in Financial - Credit Services (0 = lowest value, 100 = highest). It is a position, not a grade. Balance-sheet ratios built for operating companies are n/a for lenders and insurers.
ValuationProfitability (TTM)Returns on capitalGrowthMargin history & stabilityLiquidity (latest quarter)Leverage & solvency (latest quarter)EfficiencyCash flow & earnings qualityDividends & buybacksScores & forensic checksPer shareSize (TTM)

Valuation

MeasureCOFIndustry medianIndustry percentileSector median
P/E (TTM) 11.8x 9.3x
65th		 11.9x
PEG (P/E ÷ 3-yr EPS CAGR) 1.70 0.76
88th		 1.04
Price / sales 1.6x 1.3x
67th		 2.5x
Price / book 1.1x 1.8x
26th		 1.3x
Price / tangible book 1.9x 2.1x
44th		 1.6x
Price / free cash flow n/a
Price / operating cash flow n/a
Enterprise value n/a
EV / sales n/a
EV / EBITDA n/a
EV / EBIT n/a
EV / free cash flow n/a
Earnings yield 8.5% 8.8%
48th		 7.9%
FCF yield n/a
Operating cash flow yield n/a
Graham number (per share) $264.25 $72.38
91st		 $50.71

Profitability (TTM)

MeasureCOFIndustry medianIndustry percentileSector median
Gross margin n/a
EBITDA margin n/a
Operating margin 21.0% 19.2%
57th		 23.3%
EBIT margin 21.0% 18.7%
62nd		 23.3%
Net margin 13.4% 11.4%
60th		 18.7%
NOPAT margin 16.4% 15.9%
52nd		 18.7%
FCF margin n/a
Operating cash flow margin n/a
R&D / revenue 0.0% 0.0%
0th		 0.0%
SG&A / revenue 30.5% 14.4%
79th		 20.1%
Stock comp / revenue 0.9% 0.9%
50th		 0.7%
Effective tax rate 21.9% 21.9%
50th		 21.0%

Returns on capital

MeasureCOFIndustry medianIndustry percentileSector median
ROE (on average equity) 9.4% 19.9%
29th		 11.9%
ROA 1.6% 2.8%
31st		 1.4%
ROIC n/a
ROCE n/a
Return on tangible assets 2.5% 5.3%
29th		 2.0%
Cash ROIC (OCF / invested capital) n/a
Gross profitability (GP / assets) n/a
ROIC, 3-yr average n/a
ROIC, 5-yr average n/a
ROE, 5-yr average 9.0% 13.3%
36th		 10.7%
Incremental ROIC n/a

Growth

MeasureCOFIndustry medianIndustry percentileSector median
Revenue growth (TTM YoY) 36.7% 11.1%
85th		 7.1%
Revenue growth (QoQ) 2.8% 1.3%
57th		 2.8%
Revenue CAGR, 3 yr 20.8% 8.1%
81st		 10.8%
Revenue CAGR, 5 yr 20.3% 9.1%
74th		 11.3%
Gross profit CAGR, 3 yr n/a
Operating income CAGR, 3 yr 35.6% 24.6%
81st		 8.8%
Net income growth (TTM YoY) —
Net income CAGR, 3 yr 25.5% 12.8%
88th		 9.4%
EPS growth (TTM YoY) —
EPS CAGR, 3 yr 6.9% 14.1%
8th		 7.3%
EPS CAGR, 5 yr -8.3% -0.2%
19th		 4.2%
FCF growth (TTM YoY) n/a
FCF CAGR, 3 yr n/a
Operating cash flow CAGR, 3 yr n/a
Book value CAGR, 3 yr 8.8% 8.1%
53rd		 8.9%
Dividend CAGR, 3 yr -43.4% 4.2%
4th		 1.9%
Sustainable growth rate 9.0% 17.0%
29th		 8.3%

Margin history & stability

MeasureCOFIndustry medianIndustry percentileSector median
Gross margin, 3-yr average n/a
Operating margin, 3-yr average 10.1% 18.8%
21st		 21.4%
Net margin, 3-yr average 7.3% 10.3%
33rd		 16.5%
FCF margin, 3-yr average n/a
Revenue stability (0-1) 0.92 0.86
67th		 0.86
Earnings stability (0-1) 0.19 0.37
33rd		 0.37
Margin stability (0-1) 0.66 0.83
18th		 0.81

Liquidity (latest quarter)

MeasureCOFIndustry medianIndustry percentileSector median
Cash & short-term investments n/a
Net cash (− = net debt) n/a
Working capital n/a
Current ratio n/a
Quick ratio n/a
Cash ratio (cash + ST investments / current liabilities) n/a
Defensive interval (days) n/a

Leverage & solvency (latest quarter)

MeasureCOFIndustry medianIndustry percentileSector median
Total debt n/a
Debt / equity n/a
Net debt / equity n/a
Debt / assets n/a
Debt / capital n/a
Debt / EBITDA n/a
Net debt / EBITDA n/a
Interest coverage (EBIT / interest) n/a
Cash interest coverage n/a
Debt payback (years of OCF) n/a
Liabilities / assets 83.1% 82.2%
52nd		 86.2%
IS credit model rating AA — —
Implied credit spread (bps) 80 125
17th		 175

Efficiency

MeasureCOFIndustry medianIndustry percentileSector median
Asset turnover n/a
Fixed asset turnover n/a
Inventory turnover n/a
Receivables turnover n/a
Days sales outstanding n/a
Days inventory outstanding n/a
Days payables outstanding n/a
Cash conversion cycle (days) n/a
Capex / revenue n/a
Capex / depreciation n/a
Operating expense ratio n/a

Cash flow & earnings quality

MeasureCOFIndustry medianIndustry percentileSector median
Operating cash flow / net income n/a
FCF / net income n/a
FCF / operating cash flow n/a
Capex / operating cash flow n/a
Accruals ratio n/a
Sloan accruals ratio n/a
Earnings quality score (0-1) n/a

Dividends & buybacks

MeasureCOFIndustry medianIndustry percentileSector median
Dividend yield 1.6% 0.7%
67th		 2.3%
Dividend per share (TTM) $3.20 $0.52
88th		 $1.03
Payout ratio (dividends / net income) 3.7% 7.9%
32nd		 30.0%
Dividends / FCF n/a
Dividend growth (YoY) -76.1% 1.9%
8th		 6.4%
Buyback yield -0.8% 2.1%
0th		 1.7%
Shareholder yield (dividends + buybacks) -0.5% 3.5%
0th		 5.2%
Share count change (YoY) 22.8% -1.5%
97th		 -0.3%
Buybacks, last 5 years $4.9B $315.0M
86th		 $85.3M

Scores & forensic checks

MeasureCOFIndustry medianIndustry percentileSector median
IS score 63 52
74th		 53
IS profitability 61 52
67th		 59
IS growth 59 60
49th		 57
IS value 83 69
71st		 77
IS momentum 85 77
64th		 76
IS risk (safety) 90 100
33rd		 65
IS quality 81 58
93rd		 71
IS balance sheet 45 42
57th		 51
IS earnings quality 89 70
100th		 74
IS cash flow 93 74
95th		 71
Piotroski F-score (0-9) 7 7
45th		 6
Altman Z-score —
Beneish M-score —
Ohlson O-score −6.55 −6.41
45th		 −6.00
IS credit score 89 80
79th		 68

Per share

MeasureCOFIndustry medianIndustry percentileSector median
EPS, diluted (TTM) $16.94 $5.48
90th		 $3.36
Book value per share $183.21 $26.27
100th		 $28.13
Tangible book per share $106.12 $14.55
93rd		 $21.49
Revenue per share $126.40 $45.33
90th		 $17.62
FCF per share n/a
Operating cash flow per share n/a
Cash per share n/a

Size (TTM)

MeasureCOFIndustry medianIndustry percentileSector median
Market cap $123.8B $3.9B
93rd		 $2.5B
Revenue $78.5B $2.5B
98th		 $1.0B
EBITDA $23.1B $710.6M
95th		 $269.3M
Net income $10.5B $181.7M
93rd		 $168.0M
Free cash flow n/a
Total assets $673.8B $8.6B
100th		 $8.5B
Shareholders' equity $113.8B $1.9B
100th		 $1.5B
Employees 78,400 2,358
100th		 1,392

Insider transactions, last 6 months

Form 4 · most recent 12
DateInsiderTypeSharesPriceValueOwned after
2026-10-06Cooper Matthew W
General Counsel & Corp Secy
 Open-market sale 3,500$196.22$686,77079,694
2026-09-15Karam Celia
Pres, Retail Bank
 Open-market sale 2,017$206.07$415,64357,696
2026-09-15Dean Lia
Pres, Banking & Prem. Products
 Open-market sale 2,066$206.07$425,74161,195
2026-09-01Cooper Matthew W
General Counsel & Corp Secy
 Open-market sale 3,500$214.10$749,35083,194
2026-08-17Dean Lia
Pres, Banking & Prem. Products
 Open-market sale 2,192$225.52$494,34063,262
2026-08-17Dean Lia
Pres, Banking & Prem. Products
 Open-market sale 1$225.92$22663,261
2026-08-17Karam Celia
Pres, Retail Bank
 Open-market sale 1,887$225.52$425,55659,709
2026-08-17Karam Celia
Pres, Retail Bank
 Open-market sale 1$225.92$22659,708
2026-08-13Mouadeb Mark Daniel
President, Card
 Open-market sale 1,199$225.00$269,77549,132
2026-08-10Zamsky Michael
Chief Credit & Fin'l Risk Off.
 Open-market sale 5,473$218.02$1.2M27,992
2026-08-07Raghu Ravi
Pres, Software, Intl & Sm Bus
 Open-market sale 50$218.49$10,92426,278
2026-08-04Mouadeb Mark Daniel
President, Card
 Open-market sale 1,183$220.00$260,26050,331

Shares acquired vs disposed, by month

acquired disposed · all Form 4 types
MarAprMayJulAugSepOct

By transaction type, 6 months

TypeDirectionFilingsSharesValue
Award / grantAcquired1215,528—
Open-market saleDisposed2350,647$10.6M
Option exerciseAcquired12,014—
Option exerciseDisposed12,014—
Tax withholdingDisposed1893$186,646
Awards, option exercises and tax withholding are compensation mechanics; open-market buys and sales are the discretionary ones.

Form 144 notices

FiledFilerShares proposedEst. proceeds
None on file.
A Form 144 is notice of a proposed sale, not a confirmed one.

Congress trades

12 months: House 15 trades (6 purchases) · Senate 4 (4 purchases)
TradedMemberChamberTypeAmountDisclosed
2026-09-25Ro KhannaHouseSale$1,001 - $15,0002026-10-09
2026-06-30William R. KeatingHousePurchase$1,001 - $15,0002026-08-14
2026-05-01Ro KhannaHousePurchase$1,001 - $15,0002026-06-11
2026-04-13Ro KhannaHousePurchase$15,001 - $50,0002026-05-13
2025-12-29Markwayne MullinSenatePurchase$50,001 - $100,0002026-01-16
2025-12-29Markwayne MullinSenatePurchase$50,001 - $100,0002026-01-15
2025-11-10Markwayne MullinSenatePurchase$50,001 - $100,0002025-12-05
2025-11-10Markwayne MullinSenatePurchase$50,001 - $100,0002025-12-04
STOCK Act disclosures, in ranges, filed up to 45 days after the trade.

Largest 13F holders

Quarter to 2026-06-30, the latest most managers have filed
ManagerSharesValue% of shares out
BlackRock, Inc.51,054,869$10.2B8.32%
VANGUARD CAPITAL MANAGEMENT LLC40,646,052$8.2B6.63%
STATE STREET CORP27,797,298$5.6B4.53%
JPMORGAN CHASE & CO16,446,735$3.3B2.68%
GEODE CAPITAL MANAGEMENT, LLC14,360,681$2.9B2.34%
FRANKLIN RESOURCES INC13,439,977$2.7B2.19%
VANGUARD PORTFOLIO MANAGEMENT LLC12,800,697$2.6B2.09%
FMR LLC11,130,538$2.2B1.81%
NORGES BANK9,978,148$2.0B1.63%
DODGE & COX9,117,926$1.8B1.49%
GOLDMAN SACHS GROUP INC8,496,306$1.7B1.38%
DAVIS SELECTED ADVISERS8,270,946$1.7B1.35%
Invesco Ltd.7,416,162$1.5B1.21%
Capital World Investors7,371,325$1.5B1.20%
BANK OF AMERICA CORP /DE/7,154,376$1.4B1.17%

Institutional ownership by quarter

2023-092026-0687.2%
% of shares held by 13F filers
2023-092026-062,119
Number of 13F filers holding

Holder changes by quarter

QuarterHoldersOwnershipNewIncreasedReducedClosed
2026-06-302,11987.2%232819771152
2026-03-312,06485.1%197787805295
2025-12-312,19488.4%363811720111
2025-09-301,98688.0%177808662112
2025-06-301,94890.3%6381,01318267
2025-03-311,40058.9%184514473120
2024-12-311,35457.9%23945945879
2024-09-301,21955.9%13045642191
2024-06-301,19655.9%13045341777
2024-03-311,16256.5%13341540586
2023-12-311,13255.0%21737638972
2023-09-301,00155.2%9731840191

Schedule 13D / 13G filers

FiledFormFiler% of classShares
None on file.
Required above 5% of a class; 13G is the passive form.

ETFs with the largest holding

ETFWeight in fundHolding value
VITSX0.16%$3.8B
VTI0.16%$3.8B
VSMPX0.16%$3.8B
VTSAX0.16%$3.8B
VFIAX0.18%$3.1B
VFFSX0.18%$3.1B

Share structure

Shares outstanding613,485,000
Float606,582,067
Free float98.9%

Income statement

Fiscal years, USD
FY2021FY2022FY2023FY2024FY2025
Revenue$32.0B$38.4B$49.5B$53.9B$69.3B
Cost of revenue−$346.0M$10.0B$23.1B$26.5B$36.5B
Gross profit$32.4B$28.4B$26.4B$27.4B$32.8B
R&D$0$0$0$0$0
SG&A$10.3B$12.4B$13.3B$14.0B$18.4B
Operating income$15.8B$9.2B$6.0B$5.9B$2.3B
EBITDA$19.3B$12.4B$9.3B$9.1B$7.5B
Pretax income$15.8B$9.2B$6.0B$5.9B$2.3B
Income tax$3.4B$1.9B$1.2B$1.2B−$172.0M
Net income$12.4B$7.4B$4.9B$4.8B$2.5B
EPS, diluted$26.94$17.91$11.95$11.59$3.36
Diluted shares444.2M393.2M383.4M383.6M541.3M

Balance sheet

FY2021FY2022FY2023FY2024FY2025
Cash & short-term investments$117.0B$107.8B$122.4B$47.1B$61.7B
Receivables$1.5B$2.1B$2.5B$2.5B$3.5B
Inventory$0$0$0$0$0
Total current assets$118.5B$109.9B$124.9B$49.6B$69.9B
PP&E, net$4.2B$4.4B$4.4B$4.5B$5.6B
Goodwill & intangibles$14.9B$14.8B$15.1B$15.1B$45.1B
Total assets$432.4B$455.2B$478.5B$490.1B$669.0B
Accounts payable$281.0M$527.0M$649.0M$666.0M$844.0M
Total current liabilities$312.1B$334.4B$349.6B$363.9B$477.7B
Long-term debt$42.2B$47.8B$49.3B$45.0B$49.9B
Total liabilities$371.4B$402.7B$420.4B$429.4B$555.4B
Shareholders' equity$61.0B$52.6B$58.1B$60.8B$113.6B

Cash flow statement

Outflows are negative
FY2021FY2022FY2023FY2024FY2025
Net income$12.4B$7.4B$4.9B$4.8B$2.5B
Depreciation & amortization$3.5B$3.2B$3.2B$3.2B$5.3B
Stock-based compensation$331.0M$314.0M$513.0M$569.0M$776.0M
Change in working capital−$2.6B−$2.9B$2.3B−$1.6B$1.3B
Operating cash flow$12.3B$13.8B$20.6B$18.2B$27.7B
Capital expenditure−$698.0M−$934.0M−$961.0M−$1.2B−$1.6B
Free cash flow$11.6B$12.9B$19.6B$17.0B$26.1B
Investing cash flow−$31.5B−$29.7B−$21.9B−$26.4B−$444.0M
Net debt issued / repaid$3.6B$8.4B$240.0M−$4.4B−$8.8B
Buybacks−$9.7B−$4.9B−$718.0M−$734.0M−$4.1B
Dividends paid−$1.4B−$1.2B−$1.2B−$1.2B−$1.8B

Ratio history

Margins on the fiscal-year (TTM at Q4) basis; multiples at each year end
FY2021FY2022FY2023FY2024FY2025
Gross margin101.1%74.0%53.3%50.8%47.3%
Operating margin49.4%24.1%12.2%11.0%3.3%
Net margin38.7%19.2%9.9%8.8%3.5%
FCF margin36.3%33.6%39.6%31.4%40.1%
ROE20.4%13.0%8.8%8.0%2.8%
ROIC-96.1%-114.2%-33.8%8.0%2.0%
ROA2.9%1.7%1.0%1.0%0.4%
Debt / equity0.710.930.860.750.45
Interest coverage9.9x2.2x0.5x0.4x0.1x
Current ratio0.380.330.360.140.15
Revenue growth+1.2%+19.8%+29.0%+9.0%+28.2%
EPS growth+395.1%−34.3%−33.4%−3.0%−68.6%
P/E at year end4.6x4.6x10.0x14.2x62.4x
EV / EBITDA at year endn/mn/mn/m7.2x18.9x
FCF yield at year end20.28%38.02%40.23%25.12%18.11%
Dividend payout11.5%16.0%23.7%24.4%0.0%

Revenue by segment

FY2021FY2022FY2023FY2024FY2025
Credit Card$18.9B$22.4B$25.7B——
Consumer Banking$9.0B$9.4B$9.3B——
Interchange Fees, Contracts———$4.9B$6.4B
Commercial Banking$3.3B$3.6B$3.5B——
Service Charges And Other Customer Fees, Contracts———$460.0M$857.0M
Other Contract Revenue———$573.0M$762.0M
Other−$748.0M−$1.1B−$1.7B——

Street estimates by fiscal year

Next report 2026-10-20 · consensus EPS $5.50 · these are analysts' numbers, not ours
Fiscal yearRevenue (mean)Revenue rangeEPS (mean)EPS rangeAnalystsP/E on mean EPS
2026$63.9B$63.3B – $64.3B$20.53$20.02 – $20.98149.8x
2027$67.7B$65.9B – $69.1B$23.93$22.57 – $25.08148.4x
2028$71.5B$69.2B – $72.8B$27.68$25.76 – $29.92107.3x

Reported vs expected, every quarter on file

ReportedEPS expectedEPS actualEPS surpriseRevenue expectedRevenue actualRevenue surprise
2026-04-21$4.50$4.42−1.8%$15.3B$15.2B−0.7%
2026-01-22$4.14$3.86−6.8%$15.5B$15.6B+0.7%
2025-10-21$4.49$5.95+32.5%$15.1B$15.4B+1.9%
2025-07-22$4.05$5.48+35.3%$12.4B$12.6B+1.7%
2025-04-22$3.64$4.06+11.5%$10.1B$10.0B−0.5%
2025-01-21$2.78$3.09+11.2%$10.2B$10.2B−0.2%
2024-10-24$3.76$4.51+19.9%$9.9B$10.0B+1.4%
2024-07-23$3.39$3.14−7.4%$9.6B$9.5B−0.7%
2024-04-25$3.31$3.21−3.0%$9.3B$9.4B+0.6%
2024-01-25$2.50$2.24−10.4%$9.5B$9.5B+0.5%
2023-10-26$3.25$4.45+36.9%$9.2B$9.4B+1.8%
2023-07-20$3.23$3.52+9.0%$9.2B$9.0B−1.9%
2023-04-27$3.92$2.31−41.1%$9.0B$8.9B−1.6%
2023-01-24$3.84$2.82−26.6%$9.1B$9.0B−0.3%
2022-10-27$5.04$4.20−16.7%$8.6B$8.8B+1.9%
2022-07-21$5.09$4.96−2.6%$8.3B$8.2B−0.9%
2022-04-26$5.44$5.62+3.3%$8.0B$8.2B+1.9%
2022-01-25$5.30$5.41+2.1%$8.0B$8.1B+1.6%
2021-10-26$5.38$6.78+26.0%$7.4B$7.8B+5.9%
2021-07-22$4.64$7.62+64.2%$7.4B$7.4B−0.3%
2021-04-27$4.17$7.03+68.6%$5.4B$7.1B+31.1%
2021-01-26$2.86$5.35+87.1%$5.6B$7.3B+30.5%
2020-10-22$2.13$5.06+137.6%$6.7B$7.4B+9.7%
2020-07-21$-1.25$-1.61−28.8%$5.0B$6.6B+31.5%

Off-exchange (dark pool) volume, weekly

FINRA ATS, $ billions · through the week of 2026-08-31 (FINRA publishes with a delay)
1.506-151.206-220.706-291.107-061.207-131.707-201.207-271.008-030.708-100.908-170.608-240.708-31
Week ofNotionalSharesTrades
2026-08-31$688.6M3,182,36879,879
2026-08-24$648.9M2,986,43377,374
2026-08-17$871.4M3,981,40891,492
2026-08-10$720.5M3,239,42977,305
2026-08-03$966.5M4,399,83399,790
2026-07-27$1.2B5,538,460104,590

Short-sale share of off-exchange volume

daily 20-day average
07-2310-1518.2%
DateShort shareShort volumeTotal volume
2026-10-1518.2%353,1111,941,384
2026-10-1438.2%532,0621,391,227
2026-10-1327.4%455,1781,662,062
2026-10-1245.6%305,496670,455
2026-10-0940.5%404,161998,728
2026-10-0823.5%489,5892,080,129
2026-10-0730.5%364,7561,196,235
2026-10-0624.7%289,0921,171,223
2026-10-0542.2%372,749884,084
2026-10-0238.8%494,9591,274,754
A daily flow measure from FINRA, not short interest.

Seasonality

Average return by calendar month
-0.9Jan-1.6Feb-0.6Mar+5.4Apr+2.9May-1.6Jun+2.8Jul+0.2Aug+0.5Sep+2.2Oct+1.4Nov+1.9Dec
MonthAvg returnUp yearsYears
Jan−0.9%50%20
Feb−1.6%55%20
Mar−0.6%48%21
Apr+5.4%65%20
May+2.9%60%20
Jun−1.6%50%20
Jul+2.8%70%20
Aug+0.2%50%20
Sep+0.5%65%20
Oct+2.2%70%20
Nov+1.4%60%20
Dec+1.9%65%20
History, not a forecast.

Indicators

as of 2026-10-16
RSI 1451.6
MFI57.4
ADX22.6
Stochastic %K / %D63.8 / 61.6
Williams %R-15.9
CCI128
TSI / signal-14.4 / -20.7
Chaikin money flow0.05
ATR$4.83
Bollinger width6.0%
Volume vs 20-day avg1.05x
SupertrendDown

Moving averages and bands

level (price vs level)
SMA 20$197.66 (+2.1%)
SMA 50$207.96 (−3.0%)
SMA 200$203.08 (−0.7%)
EMA 21$199.71 (+1.0%)
EMA 50$203.22 (−0.7%)
EMA 200$203.67 (−0.9%)
Bollinger upper$203.55 (−0.9%)
Bollinger lower$191.77 (+5.2%)
Parabolic SAR$192.43 (+4.8%)
Open the live chart, 110+ indicators

About Capital One Financial Corporation

Capital One Financial Corporation, identified by its ticker COF, operates as a prominent financial services holding company. It oversees essential subsidiaries such as Capital One Bank (USA), National Association, and Capital One, National Association, which collectively offer a broad spectrum of financial products and services throughout the United States, Canada, and the United Kingdom. The company structures its extensive operations into three core divisions: Credit Card, Consumer Banking, and Commercial Banking. Clients can utilize various deposit instruments, including checking accounts, money market accounts, negotiable order of withdrawal (NOW) accounts, savings accounts, and time deposits. Capital One's lending solutions are equally comprehensive, encompassing credit card financing, personal auto and retail banking loans, as well as significant commercial and multifamily real estate loans, and broader commercial and industrial credit facilities. Furthermore, the corporation provides credit and debit card issuance, robust online direct banking capabilities, and specialized treasury management and custodial services. Capital One serves a diverse clientele that includes individual consumers, small enterprises, and large commercial entities. It reaches these customers through a multi-channel approach, leveraging digital platforms, traditional physical branches, innovative café locations, and other distribution points, particularly within key states like New York, Louisiana, Texas, Maryland, Virginia, New Jersey, and California. Established in 1988, Capital One Financial Corporation maintains its primary executive offices in McLean, Virginia.

https://www.capitalone.com

Key executives

NameTitlePayBorn
Richard D. FairbankFounder, Chairman, Chief Executive Officer & President$6.8M1951
Matthew W. CooperPresident of Discover Integration, General Counsel & Secretary$6.6M1972
Mark Daniel MouadebPresident of Card$4.5M1984
Frank G. LaPradeChief Enterprise Services Officer & Chief of Staff to the Chief Executive Officer$4.4M1967
Sanjiv YajnikPresident of Financial Services$4.0M1957
Andrew YoungChief Financial Officer$3.9M1975
Robert AlexanderChief Information Officer$3.4M1965
Kaitlin Burek HaggertyChief Human Resources Officer—1984

Executive pay, latest proxy

ExecutiveYearSalaryStock awardsIncentiveTotal
Richard D. Fairbank Chairman, CEO and President2013$0$10.9M$0$18.3M
Stephen S. Crawford Chief Financial Officer2013$1.3M$10.8M$0$12.4M
Gary L. Perlin Former Chief Financial Officer2013$1.3M$4.8M$0$7.1M
Ryan M. Schneider President, Card2013$1.1M$3.4M$0$5.2M
John G. Finneran, Jr. General Counsel and Corporate Secretary2013$953,769$3.3M$0$5.0M
Jonathan W. Witter President, Retail and Direct Banking2013$870,769$3.2M$0$4.7M

Employees

48k201852k201952k202051k202156k202252k202353k202476k2025

Dividends

Ex-dateAmountPaid
2026-08-17$0.82026-09-01
2026-05-19$0.82026-06-01
2026-02-19$0.82026-03-02
2025-11-17$0.82025-12-01
2025-08-15$0.62025-09-02
2025-05-23$0.62025-06-05
2025-02-18$0.62025-03-03
2024-11-14$0.62024-11-22

Moat model

Weak · Efficient Scale · 2026-06-30
Cost advantage32
Intangibles55
Switching costs46
Network effect70
Efficient scale78
Our component scores (0-100) and overall 53.9; a model of the business, not a call on the stock.
InsiderStreet reports findings from filings and market data. Nothing on this page is a recommendation to buy or sell.Every figure is computed in code · data as of 2026-10-17

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