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COF

BEARISH
$205.71 Live
Capital One Financial Corporation · NYSE
$167.0 52W Range $259.64

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 21, 2026
Market cap
$127.94B
P/E
61.41
ROE
N/A
Profit margin
N/A
Debt/Equity
N/A
Dividend yield
1.55%

AI Analysis

AI-powered fundamental assessment

Confidence
90%
The deterministic health profile is critical, headlined by a Piotroski F-Score of 0/9, indicating severe weakness in financial health and operational efficiency. While valuation metrics like the Forward P/E (8.43) and PEG Ratio (0.22) appear attractively low, they likely represent a 'value trap' given the disastrous health score and a 0/100 technical trend. Bearish insider sentiment and a lack of dividend strength further compound the negative outlook, despite recent quarterly earnings beats.

Key Strengths

Extremely low Forward P/E of 8.43 suggesting potential undervaluation
Very low PEG Ratio (0.22) indicating growth is not priced in
Strong recent earnings surprise average of 28.41%
Significant Q/Q revenue growth of 51.06%
Reasonable Price-to-Book ratio of 1.19

Key Risks

Critical Piotroski F-Score of 0/9 indicating systemic financial weakness
Bearish insider activity with 5 sell transactions and 0 buys
Technical trend is completely bearish (0/100)
High trailing P/E (61.41) showing a massive disconnect from current earnings
Very low dividend strength score (10/100)
AI Fair Value Estimate
Based on comprehensive analysis
$175.0
-14.9% below current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
41
Moderate
Value
65
Future
60
Past
50
Health
10
Dividend
20
AI Verdict
High Risk / Value Trap
Key drivers: Piotroski F-Score 0/9, Bearish Technicals, Insider Selling, Forward P/E Disconnect
Confidence
85%
Value
65/100

Forward metrics are bullish, but trailing metrics and health scores suggest these may be unreliable.

Positives
  • Low Forward P/E
  • Low PEG
Watchpoints
  • High Trailing P/E
Future
60/100

Growth is present in revenue, but EPS volatility is concerning.

Positives
  • Strong Q/Q Revenue Growth
  • Consistent Earnings Beats
Watchpoints
  • Recent Q/Q EPS decline of 45.2%
Past
50/100

Long term growth is positive, but short term momentum is fading.

Positives
  • Positive 1Y and 3Y price change
Watchpoints
  • Erratic earnings track record over 25 quarters
Health
10/100

The F-Score is the lowest possible, indicating a failure across all health benchmarks.

Positives
No standout positives identified.
Watchpoints
  • Piotroski F-Score 0/9
Dividend
20/100

Dividend is present but lacks strength or growth reliability.

Positives
  • Positive yield of 1.55%
Watchpoints
  • Low dividend strength score (10/100)

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$205.71

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for COF and closest competitors.

Updated 2026-04-20
COF
Capital One Financial Corporation
Primary
5Y
+69.4%
3Y
+124.1%
1Y
+26.2%
6M
-3.5%
1M
+13.4%
1W
+4.1%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

P/E Ratio
61.41
Forward P/E
8.43
PEG Ratio
0.22
P/B Ratio
1.19
P/S Ratio
N/A
EV/Revenue
N/A
EV/EBITDA
N/A
Market Cap
$127.94B

Profitability

Profit margins and return metrics

Profit Margin N/A
Operating Margin N/A
Gross Margin N/A
ROE N/A
ROA N/A

Growth

Revenue and earnings growth rates

Revenue Growth N/A
Earnings Growth N/A
Q/Q Revenue Growth +51.06%
Q/Q Earnings Growth N/A

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$N/A

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue
$15.4B
Net Margin
13.9%
Total Assets
$669.0B
Liabilities
$555.4B
Equity
$113.6B
Debt/Equity
4.89x
Operating CF
$7.8B
CapEx
$-0.4B
Free Cash Flow
$7.4B
FCF Yield
94%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-04-21
$N/A
2026-01-22
$3.26
+0.8% surprise
2025-10-21
$5.95
+36.4% surprise
2025-07-22
$5.48
+48.0% surprise

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

LAPRADE FRANK G. III
Officer
Stock Award
2026-04-07
11,041 shares
DEAN LIA
Officer
Sell
2026-04-01
1,692 shares · $314,052
KARAM CELIA EDWARDS
Officer
Sell
2026-04-01
1,099 shares · $203,985
DEAN LIA
Officer
Stock Award
2026-03-09
8,094 shares
KARAM CELIA EDWARDS
Officer
Stock Award
2026-03-09
7,429 shares
YOUNG ANDREW M
Chief Financial Officer
Stock Award
2026-03-09
7,656 shares
BLINDE NEAL A
Officer
Stock Award
2026-03-09
8,342 shares
HAGGERTY KAITLIN
Officer
Stock Award
2026-03-09
5,316 shares
ZAMSKY MICHAEL
Officer
Stock Award
2026-03-09
6,047 shares
RAGHU RAVI
Officer
Stock Award
2026-03-09
4,834 shares
MOUADEB MARK DANIEL
Officer
Stock Award
2026-03-09
5,142 shares
WEST KARA
Officer
Stock Award
2026-03-09
4,477 shares
COOPER MATTHEW W.
General Counsel
Stock Award
2026-03-09
8,094 shares
SANJIV YAJNIK
Officer
Stock Award
2026-03-09
9,922 shares
LAPRADE FRANK G. III
Officer
Stock Award
2026-03-09
12,154 shares
Insider transactions can signal confidence or concerns about company prospects

SEC Filings

Recent regulatory filings from the SEC EDGAR database

8-K
8-K
2026-04-07
DEF 14A
DEF 14A
2026-03-25
8-K
8-K
2026-03-16
10-K
10-K
2026-02-19
8-K
8-K
2026-02-17
8-K
8-K
2026-02-09
8-K
8-K
2026-02-06
8-K
8-K
2026-02-02
8-K
8-K
2026-01-22
8-K
8-K
2026-01-22
8-K
8-K
2026-01-22
8-K
8-K
2025-12-15
8-K
8-K
2025-12-08
8-K
8-K
2025-11-17
8-K
8-K
2025-11-07
Data sourced from SEC EDGAR. AI summaries generated automatically.

Wall Street Analysts

Professional analyst ratings and price targets

Morgan Stanley
2026-04-16
Maintains
Overweight Overweight
JP Morgan
2026-04-09
up
Neutral Overweight
Wells Fargo
2026-04-09
Maintains
Overweight Overweight
Goldman Sachs
2026-04-07
Maintains
Buy Buy
Evercore ISI Group
2026-04-06
Maintains
Outperform Outperform
Barclays
2026-04-06
Maintains
Overweight Overweight
Truist Securities
2026-01-27
Maintains
Buy Buy
Barclays
2026-01-26
Maintains
Overweight Overweight
BTIG
2026-01-23
Maintains
Buy Buy
Morgan Stanley
2026-01-20
Maintains
Overweight Overweight

Past News Coverage

Recent headlines mentioning COF from our newsroom.

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