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/COF
⌘K
Capital One Financial Corp

Capital One Financial Corp

COF
$208.03USD↓-1.84%-3.90 today

MARKET CAP

128.2B

P/E (TTM)

10.6x

FWD P/E

9.2x

DAY RANGE

$206 – $210

52W RANGE

$174
$260

AI Summary

Stalk
StalkMedium

COF remains in a healthy Stage 2 advancing uptrend with higher highs/lows and rising EMAs, but price is extended and in extreme overbought territory. Short-term timing is unfavorable for new entries, so we defer and look to buy on a pullback into the rising EMA cluster, confirming support before engaging.

  • ↑Q1 2026 revenue rose 19% YoY to $10.1B, net income $2.2B, EPS $4.42
  • ↑Discover acquisition driving 25% YoY marketing spend to capture high-value customers
  • ↓Integration expenses exceed $2.8B, risking execution delays and cost overruns
Full analysis →

The case for & against

Bull & Bear analysis

Bullish

Capital One Financial Corporation (NYSE: COF) is a leading diversified bank headquartered in the United States, specializing in credit cards, auto loans, banking, and savings accounts. The company has recently positioned itself strategically through the acquisition of Discover Financial Services, significantly expanding its operational scale and customer base. This integration aims to enhance its technology and payment solutions, placing Capital One at the forefront of the financial services sector while leveraging data and technology to improve customer experience and optimize its product offerings.

Bull says

  • ↑Q1 2026 revenue rose 19% YoY to $10.1B, net income $2.2B, EPS $4.42
  • ↑Discover acquisition driving 25% YoY marketing spend to capture high-value customers
  • ↑Liquidity strong with $165B in reserves and a 14.4% CET1 capital ratio
  • ↑High earnings yield and positive momentum factors support valuation upside
  • ↑Net interest margin at 7.87%, poised to benefit from rising rates
  • ↑Institutional 13F ownership signals confidence among savvy investors

Bear says

  • ↓Integration expenses exceed $2.8B, risking execution delays and cost overruns
  • ↓Profitability factors weak and earnings revisions negative, reflecting analyst skepticism
  • ↓NIM fell from 8.26% to 7.87%, raising margin compression concerns
  • ↓Competitive premium-card spend intensifies marketing costs and pressures pricing
  • ↓Geopolitical tensions and higher energy prices could dent consumer credit health
  • ↓High share-based compensation and low dividend yield deter income investors

Investment themes with COF

High Dividend Yield↑ +0.32%

Companies paying above-average dividends

AVGO · JPM · XOM
High Beta↓ -0.12%

Stocks with high volatility relative to market

AMD · DELL · MPWR
Large Banks↑ +0.50%

MS · GS · BAC
Payments↑ +0.79%

Digital and traditional payment processing solutions

XYZ · MA · V

Earnings Call · Q1 2026 · Mgmt. Guidance

Updated 04-23-2026bullish

Transcript signals

Bull points

  • In the first quarter, Capital One earned $2.2 billion, or $3.34 per diluted common share.
  • Pre-provision earnings in the quarter increased sequentially by about $530 million or 8%.
  • Our total portfolio coverage ratio increased 12 basis points and now stands at 5.28%.

Bear points

  • Relative to the fourth quarter, revenue declined 2% while non-interest expense declined 9%.
  • Our first quarter net interest margin was 7.87%, 39 basis points lower than the prior quarter.
Read full transcript analysis ›