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Stocks/Financials/Consumer Finance

Capital OneCOF

Consumer Finance · Tysons Corner, Virginia · In the S&P 500
High qualityCheaper than peers
$204.85−1.86%After hours: $204.44 (−0.20%)At the close, 30 Oct · Prices from CNBC, may be delayed
▼ 6.3% over 1 year
Capital One over 1 yearDaily close, $, to 30 Oct 2026
$175$225$250Nov2026MarMayJulSep$204.85$250NovMarJul$204.85
Source: Nasdaq daily closes
Market value$123B
Price to earnings12.5x
Forward P/E9.3x
Dividend yield1.56%
Year to date−15.5%
One year−6.3%
Next earningsNot scheduled
SectorFinancials
52-week range (closes)
$176.10$257.94

Quality and valuation

How Capital One compares with other financials stocks. A description, not a recommendation.

Capital One and 4 consumer finance peers. Across: valuation (P/E) against the sector. Up: business quality against the sector. Hover or tap a logo for its numbers.

Business quality: stronger than mostValuation: cheaper than most

A stronger business than most financials companies, priced below most of them.

Capital One trades at 9.3 times the next 12 months of expected earnings, against a median of 13.0x for the 84 financials stocks we cover. The quality score blends where it ranks on revenue growth, gross margin, operating margin and free-cash-flow margin (net margin for banks and insurers) over the last 12 months, from SEC filings.

  • Revenue grew faster than the sector median: +45.3% vs +10.2%
  • Turns more of its sales into cash: 47.9% vs 20.3%
  • Keeps less of its revenue as profit (net margin): 17.0% vs 20.7%
COF trades at 9.3x forward earnings, below the sector medianForward p/e, Consumer Finance peers
UPST7.7xSYF7.9xCOF9.3xAXP17.2xSOFI22.3xSector median 13.0xUPST7.7xSYF7.9xCOF9.3xAXP17.2xSOFI22.3xSector median 13.0x
Source: CNBC quotes; Mostly Markets
At 12.7x earnings, COF is cheaper than its average since Aug 2024Price over the last 12 months of reported (GAAP) diluted EPS
P/EUsual range (±1 s.d.)
50x100xAverage 47.0x2025202612.7x50x100xAverage 47.0x2025202612.7x
Source: Nasdaq prices; SEC filings

Financials

From Capital One's SEC filings, through the quarter ending 30 Jun 2026. Hover or tap a bar for its value.

Revenue grew 26.9% from a year earlierQuarterly revenue, $bn, latest Q2 ’26
$0bn$5bn$10bn$15bnQ3 ’24Q1 ’25Q3 ’25$15.8bnQ2 ’26$0bn$10bnQ3 ’24Q1 ’25Q3 ’25$15.8bnQ2 ’26
Source: SEC filings
Growth slowed to +26.9% last quarterRevenue growth, year on year, %
0%20%40%Q3 ’24Q1 ’25Q3 ’2526.9%Q2 ’260%20%40%Q3 ’24Q1 ’25Q3 ’2526.9%Q2 ’26
Source: SEC filings
Free cash flow was $29.7 billion over 12 monthsQuarterly free cash flow (operating cash flow minus capex), $bn
$0bn$2bn$5bn$8bnQ3 ’24Q1 ’25Q3 ’25$8.1bnQ2 ’26$0bn$5bnQ3 ’24Q1 ’25Q3 ’25$8.1bnQ2 ’26
Source: SEC filings
Diluted EPS was $4.73 last quarterQuarterly diluted earnings per share, $
$-5$0Q3 ’24Q1 ’25Q3 ’25$4.73Q2 ’26$-5$0Q3 ’24Q1 ’25Q3 ’25$4.73Q2 ’26
Source: SEC filings
Last 12 monthsCOFSector median
Revenue growth+45.3%+10.2%
Free cash flow margin47.9%20.3%
Price to earnings12.5x14.6x

Stories on Capital One

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Similar companies

Consumer Finance, by market value.

CompanyPriceTodayYTDValue
AXPAmerican Express$319.11−1.42%−13.7%$214B
SYFSynchrony Financial$75.35−2.10%−9.7%$23.46B
SOFISoFi Technologies$16.76−4.83%−36.0%$21.73B
UPSTUpstart$23.02−7.33%−47.4%$2.24B