Capital One (COF) stock
Financials · Consumer Finance
Capital One (COF) is a Consumer Finance company in the Financials sector, headquartered in Tysons Corner, Virginia. As of October 23, 2026, COF closed at $201.34, a market capitalization of $123.52 billion, the 99th largest company in the S&P 500. Over the last twelve months it generated $48.89 billion in revenue (+6% year over year) and $29.70 billion in free cash flow. The stock trades at 12.3x trailing earnings and 8.4x forward earnings.
- 1-year total return: -7.1% (dividends reinvested)
- 5-year return: +5.5% a year
- 52-week range: $174.24 – $259.64
- Gross margin 0.0%, operating margin 37.8%
- Dividend yield: 1.59%, 1 straight years of increases
- FI Handbook report card: C+ across 9 metrics
- 18th largest of 76 Financials stocks in the S&P 500
COF price chart
1Y price change: -8.5% (price only; total returns below include dividends)
| Total return | 1M | YTD | 1Y | 3Y | 5Y | 10Y | MAX |
|---|---|---|---|---|---|---|---|
| COF | +2.7% | -16.0% | -7.1% | +32.6% | +5.5% | +12.3% | +13.3% |
Dividends reinvested. 3Y and longer are annualized; MAX is annualized since 1994.
COF key statistics
- Market cap
- $123.5B
- #99 in S&P 500
- P/E (TTM)
- 12.3x
- Forward P/E
- 8.4x
- EPS (TTM)
- $16.32
- Revenue (TTM)
- $48.9B
- +6%
- Free cash flow
- $29.7B
- Gross margin
- 0.0%
- Operating margin
- 37.8%
- Return on equity
- 9.4%
- Dividend yield
- 1.59%
- 52-week range
- $174.24 – $259.64
- Beta
- 1.04
- Price / sales
- 2.5x
- EV / EBITDA
- —
- Debt / equity
- —
- Employees
- 77,500
COF report card
C+Ten fundamentals graded A to F against fixed thresholds. Not a buy or sell rating.
- Revenue growth6.2%C
- Gross margin0.0%F
- Operating margin37.8%A
- FCF margin60.7%A
- Return on equity9.4%D
- Net debt / EBITDA——
- Forward P/E8.4xA
- PEG ratio0.2xA
- Shareholder yield4.9%B
- Share count change / yr3.4%F
Capital One Financial Corporati financials
Revenue went from $25.5B in fiscal 2016 to $8.1B in fiscal 2025, shrinking 12.0% a year.
| Fiscal year | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $25.5B | $27.2B | $3.4B | $3.8B | $3.7B | $4.8B | $5.4B | $5.6B | $5.9B | $8.1B |
| Net income | $3.8B | $2.0B | $6.0B | $5.5B | $2.7B | $12.4B | $7.4B | $4.9B | $4.8B | $2.5B |
| EPS (diluted) | $6.89 | $3.49 | $11.82 | $11.05 | $5.18 | $26.94 | $17.91 | $11.95 | $11.59 | $4.03 |
| Free cash flow | $11.1B | $13.2B | $12.1B | $15.8B | $16.0B | $11.6B | $12.9B | $19.6B | $17.0B | $26.1B |
| Buybacks | $3.7B | $240.0M | $2.3B | $1.5B | $393.0M | $7.6B | $4.9B | $718.0M | $734.0M | $4.1B |
| Dividends paid | $812.0M | $780.0M | $773.0M | $753.0M | $460.0M | $1.1B | $950.0M | $931.0M | $932.0M | $1.5B |
| Diluted shares | 509.8M | 488.6M | 483.1M | 469.9M | 458.9M | 444.2M | 393.2M | 383.4M | 383.6M | 541.3M |
Source: SEC filings (10-K XBRL). EPS and share counts are split-adjusted.
What's priced into COF?
A reverse DCF asks what growth the current price requires. With an enterprise value of $124.4B and $29.7B of trailing free cash flow, Capital One Financial Corporati needs to grow free cash flow about -26.1% a year for ten years (fading to 3.0% terminal growth) to earn a 10% annual return. For context, free cash flow grew 10.3% a year over the last five years.
P/E ratio history
Current 50.0x vs. median 11.2x (10th–90th percentile 5.8x–33.4x).
A model, not a forecast or advice. Small changes in assumptions move the answer a lot.
COF dividend
- Dividend yield
- 1.59%
- Annual dividend
- $3.20
- Years of increases
- 1
- 5-yr dividend growth
- 67.0%
- per year
- Payout ratio
- 19%
- Payments per year
- 4
Regular dividends per share by calendar year; special dividends excluded. Current year omitted until complete.
COF analyst price targets
22 analysts' average 12-month target is $254.55 (+26% vs. $201.34). Targets range from $220.00 to $290.00. 79% rate it a buy.
COF earnings
Next report: January 19, 2027. Capital One Financial Corporati has beaten EPS estimates 2 quarters in a row.
| Report date | EPS estimate | EPS actual | Surprise |
|---|---|---|---|
| Oct 20, 2026 | $5.50 | $6.69 | +21.6% |
| Jul 21, 2026 | $4.69 | $5.81 | +23.8% |
| Apr 21, 2026 | $4.57 | $4.42 | -3.3% |
| Jan 22, 2026 | $4.14 | $3.86 | -6.8% |
| Oct 21, 2025 | $4.36 | $5.95 | +36.4% |
| Jul 22, 2025 | $3.72 | $5.48 | +47.4% |
| Apr 22, 2025 | $3.65 | $4.06 | +11.2% |
| Jan 21, 2025 | $2.80 | $3.09 | +10.3% |
Stocks like COF
| Name | Today | 1Y | Mkt cap | P/E | |
|---|---|---|---|---|---|
 AXP American Express | -3.68% | -11% | $210.0B | 19.0x | Compare |
 SYF Synchrony Financial | -1.93% | +2% | $24.0B | 7.7x | Compare |
 BRK-B Berkshire Hathaway | -0.87% | +11% | $1.2T | 13.6x | Compare |
 JPM JP Morgan Chase | -1.47% | +15% | $880.5B | 13.9x | Compare |
 V Visa | -1.55% | +19% | $765.8B | 34.7x | Compare |
 MA Mastercard | -1.52% | +9% | $546.3B | 34.3x | Compare |
 BAC Bank of America | -1.02% | -0% | $350.0B | 12.1x | Compare |
 MS Morgan Stanley | -2.44% | +15% | $280.9B | 14.2x | Compare |
COF news
- Best CD rates today, Sunday, October 25, 2026: Earn up to 4.40% APY · Oct 25, 2026
- Capital One Earnings: After a Double Beat the Rally Is On · Oct 23, 2026
- Is Capital One Financial a Buy After Its Latest Earnings Report? · Oct 22, 2026
- Capital One (COF) Stock Shrugs At Q3 Earnings Strength · Oct 22, 2026
- Capital One Launches Limited Time Venture X Business Offer for New Cardholders · Oct 21, 2026
COF stock FAQ
What is COF's market cap?
Capital One's market capitalization is $123.52 billion as of October 23, 2026, ranking 99th in the S&P 500.
What is COF's P/E ratio?
COF trades at a trailing price-to-earnings ratio of 12.3x and a forward P/E of 8.4x. Its median P/E over the period we track is 11.2x.
Does COF pay a dividend?
Yes. Capital One pays $3.20 per share a year, a 1.59% yield. It has raised its dividend 1 years in a row. Dividends grew 67.0% a year over the last five years.
How much has COF stock returned?
Including reinvested dividends, COF returned -7.1% over one year, +5.5% a year over five years, +12.3% a year over ten years through October 23, 2026.
Is COF stock overvalued?
At today's price, a reverse discounted cash flow model (10% discount rate, 3% terminal growth) implies Capital One must grow free cash flow about -26% a year for the next decade. Its free cash flow grew 10% a year over the last five years. Whether that is achievable decides if the stock is cheap or expensive. This is a model, not advice.
What is the COF price target?
22 analysts cover COF with an average 12-month price target of $254.55, +26% from the current price. 79% of them rate it a buy.
When does COF report earnings?
Capital One is expected to report earnings on January 19, 2027. It has beaten EPS estimates 2 quarters in a row.
How many employees does Capital One have?
Capital One has about 77,500 full-time employees, or $630,877 of revenue per employee.
Sources: SEC EDGAR filings, Yahoo Finance market data (delayed), FI Handbook calculations. Last close October 23, 2026. Methodology