COF

Capital One Financial Corp

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218.280

+0.28(0.128%)1D

Overview
Forecast
Valuation
Earnings

Line

Candle

YTD

High

218.810

Open

218.600

VWAP

217.85

Vol

3.11M

Mkt Cap

139.73B

Low

215.270

Amount

676.94M

EV/EBITDA(TTM)

18.97

Total Shares

381.92M

182.24B

EV/OCF(TTM)

5.06

P/S(TTM)

2.19

Capital One Financial Corporation is a diversified financial services holding company with banking and non-banking subsidiaries. The Company offers a broad spectrum of financial products and services to consumers, small businesses and commercial clients through a variety of channels. It operates through three segments: Credit Card, Consumer Banking and Commercial Banking. The Credit Card segment consists of its domestic consumer and small business card lending, and international card businesses in the United Kingdom and Canada. The Consumer Banking segment consists of its deposit gathering and lending activities for consumers and small businesses, and national auto lending. The Commercial Banking segment consists of its lending, deposit gathering, capital markets and treasury management services to commercial real estate and commercial and industrial customers. Its principal operating subsidiary is Capital One, National Association, which offers banking products and financial services.

Market Estimates

Earnings Estimates

Revenue

YoY Chg

EPS

YoYChg

FY2025Q4

FY2025Q3

FY2025Q2

15.36B

+50.71%

3.606

+16.71%

15.06B

+50.35%

4.182

-7.28%

12.66B

+33.15%

3.717

+18.37%

Estimates Revision

The market is revising Upward the revenue expectations for Capital One Financial Corporation (COF) for FY2025, with the revenue forecasts being adjusted by 30.43% over the past three months. During the same period, the stock price has changed by 32.16%.

Revenue Estimates for FY2025

Revise Upward

+30.43%

In Past 3 Month

EPS Estimates for FY2025

Revise Downward

-0.91%

In Past 3 Month

Stock Price

Go Up

+32.16%

In Past 3 Month

16 Analyst Rating

3.14% Upside

Wall Street analysts forecast COF stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for COF is 225.14 USD with a low forecast of 184.00 USD and a high forecast of 264.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

12 Buy

4 Hold

0 Sell

Strong Buy

3.14% Upside

Current: 218.280

Low

184.00

Averages

225.14

High

264.00

3.14% Upside

Current: 218.280

Low

184.00

Averages

225.14

High

264.00

RBC Capital

Jon Arfstrom

Sector Perform

maintain

$190 -> $240

2025-07-14

Reason

RBC Capital

Jon Arfstrom

Price Target

$190 -> $240

2025-07-14

maintain

Sector Perform

Reason

RBC Capital analyst Jon Arfstrom raised the firm's price target on Capital One to $240 from $190 and keeps a Sector Perform rating on the shares as part of a broader research note previewing Q2 results for U.S. Consumer Finance names. The firm expects fundamentals to be driven by "healthy though modest" consumer activity, seasonally higher loan balances, and improving credit metrics, the analyst tells investors in a research note. The monthly data continues to show improving year over year delinquencies and charge-off metrics, which alongside healthy qualitative reserves and a less volatile macro should support mostly stable allowance levels, RBC added.

JPMorgan

Neutral

maintain

$210 -> $245

2025-07-11

Reason

JPMorgan

Price Target

$210 -> $245

2025-07-11

maintain

Neutral

Reason

JPMorgan raised the firm's price target on Capital One to $245 from $210 and keeps a Neutral rating on the shares. The firm established year-end 2026 price targets in the consumer finance group heading into the Q2 reports. While tariff uncertainty remains elevated, the probability of "left-tailed scenarios" has diminished, which warrants a more constructive outlook, the analyst tells investors in a research note.

Morgan Stanley

initiated

$261

2025-07-09

Reason

Morgan Stanley

Price Target

$261

2025-07-09

initiated

Reason

Morgan Stanley resumed coverage of Capital One with an Overweight rating and $261 price target. The firm views the company's acquisition of Discover as a "game-changer." The deal will bring meaningful accretion from network ownership and other synergies, the analyst tells investors in a research note. Morgan Stanley sees additional share upside for Capital One from synergies and a ramp in capital return.

TD Cowen

Hold

Buy

upgrade

$184 -> $258

2025-07-08

Reason

TD Cowen

Price Target

$184 -> $258

2025-07-08

upgrade

Hold

Buy

Reason

TD Cowen upgraded Capital One to Buy from Hold with a price target of $258, up from $184. The firm says that with Discover acquisition, Capital One is now one of the "rare companies that owns an actual payment network." It believes Capital One "could be a better steward" of Discover's network assets, which could warrant a higher valuation for the combined company. TD cites benefits from the Discover deal, improving credit, and potentially significant capital return for the upgrade.

JPMorgan

Neutral

maintain

$183 -> $210

2025-06-26

Reason

JPMorgan

Price Target

$183 -> $210

2025-06-26

maintain

Neutral

Reason

Barclays

Overweight

maintain

$212 -> $253

2025-06-23

Reason

Barclays

Price Target

$212 -> $253

2025-06-23

maintain

Overweight

Reason

Barclays raised the firm's price target on Capital One to $253 from $212 and keeps an Overweight rating on the shares. The firm updated the company's model for the acquisition of Discover. It models 2027E earnings per share of $25.28, implying 20% accretion versus prior estimates. The analyst remains Overweight on merger accretion and longer-term multiple re-rating potential.

See All Ratings

Valuation Metrics

The current forward P/E ratio for Capital One Financial Corp (COF.N) is 13.41, compared to its 5-year average forward P/E of 8.45. For a more detailed relative valuation and DCF analysis to assess Capital One Financial Corp 's fair value, click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.

Strongly Overvalued

5Y Average PE

8.45

Current PE

13.41

Overvalued PE

10.55

Undervalued PE

6.34

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.

N/A

5Y Average EV/EBITDA

0.00

Current EV/EBITDA

0.00

Overvalued EV/EBITDA

0.00

Undervalued EV/EBITDA

0.00

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.

Fair

5Y Average PS

1.48

Current PS

1.43

Overvalued PS

1.90

Undervalued PS

1.06