Jim Cramer reiterated his bullish stance on Capital One Financial Corp. (COF), urging investors to maintain their positions despite recent market turbulence. The commentary comes as the bank's stock trades at a 12-month low relative to peers.
- Capital One’s Q4 2025 non-interest income grew 8% year-over-year
- COF’s net interest margin reached 4.3%, compared to BAC’s 3.8% and JPM’s 4.1%
- COF’s credit card delinquency rate remained below 2.5% in Q4 2025
- COF stock declined 14% over six months, underperforming the S&P 500 Financials Index
- Book value per share for COF rose to $127.80, up 6% from 2024
- JPMorgan increased buybacks by 18% while Capital One maintained conservative repurchase strategy
Jim Cramer reinforced his confidence in Capital One Financial Corp. (COF), telling viewers to 'stick with it' amid concerns over credit quality and rising interest rate pressures. The CNBC host highlighted the company's strong credit card portfolio and consistent revenue growth, noting that COF's non-interest income rose 8% year-over-year in Q4 2025, outpacing the sector average. Cramer pointed to Capital One’s adjusted net interest margin of 4.3% in the fourth quarter, a figure that remains robust compared to Bank of America (BAC) at 3.8% and JPMorgan Chase (JPM) at 4.1%. He cited the company's ongoing digital transformation and its ability to manage credit card delinquency rates below 2.5%—a level well within acceptable thresholds despite macroeconomic headwinds. The stock has declined 14% over the past six months, underperforming the S&P 500 Financials Index, which gained 3%. Cramer argued that the sell-off reflects short-term sentiment rather than fundamental weakness, emphasizing that COF’s book value per share stands at $127.80, up 6% from the prior year. Investors in COF, BAC, and JPM are closely watching the bank’s upcoming earnings call scheduled for April 2026. Market analysts have noted a potential divergence in capital allocation strategies, with JPMorgan increasing buybacks by 18% while Capital One maintains a conservative approach to share repurchases. Cramer believes this disciplined strategy will benefit long-term shareholders.