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Upturn AI SWOT - About
COF 
Capital One Financial Corporation (COF)
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Upturn Advisory Summary
07/16/2025: COF (5-star) is a STRONG-BUY. BUY since 49 days. Profits (17.02%). Updated daily EoD!
Upturn Star Rating
Outstanding Performance
These Stocks/ETFs, based on Upturn Advisory, have historically outperformed the market, making them a top-tier choice for investors.
Number of Analysts
22 Analysts rated it
Well-followed company, solid analyst reports, reliable data for confident investing.
1 Year Target Price $222.3
1 Year Target Price $222.3
| 11 | Strong Buy |
| 4 | Buy |
| 7 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 54.92% | Avg. Invested days 58 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 07/16/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 137.74B USD | Price to earnings Ratio 18.08 | 1Y Target Price 222.3 |
Price to earnings Ratio 18.08 | 1Y Target Price 222.3 | ||
Volume (30-day avg) 22 | Beta 1.13 | 52 Weeks Range 126.47 - 221.95 | Updated Date 07/15/2025 |
52 Weeks Range 126.47 - 221.95 | Updated Date 07/15/2025 | ||
Dividends yield (FY) 1.13% | Basic EPS (TTM) 11.91 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date 2025-07-22 | When After Market | Estimate 3.72 | Actual - |
Profitability
Profit Margin 17.22% | Operating Margin (TTM) 22.87% |
Management Effectiveness
Return on Assets (TTM) 1% | Return on Equity (TTM) 8.03% |
Valuation
Trailing PE 18.08 | Forward PE 14.14 | Enterprise Value 81300348928 | Price to Sales(TTM) 4.87 |
Enterprise Value 81300348928 | Price to Sales(TTM) 4.87 | ||
Enterprise Value to Revenue 4.51 | Enterprise Value to EBITDA - | Shares Outstanding 639635008 | Shares Floating 370513174 |
Shares Outstanding 639635008 | Shares Floating 370513174 | ||
Percent Insiders 1.81 | Percent Institutions 57.14 |
Upturn AI SWOT
Capital One Financial Corporation
Company Overview
History and Background
Capital One was founded in 1988 as Signet Bank's credit card division. It spun off as an independent company, Capital One Financial Corporation, in 1994. It pioneered information-based strategy in the credit card industry and has since diversified into banking, auto loans, and other financial services.
Core Business Areas
- Credit Card: Offers a range of credit card products for consumers and small businesses. This includes rewards cards, balance transfer cards, and secured cards.
- Consumer Banking: Provides banking services, including checking and savings accounts, certificates of deposit, and money market accounts. It also includes auto loans.
- Commercial Banking: Offers lending, treasury management, and other financial services to businesses.
Leadership and Structure
Richard Fairbank is the Founder, Chairman, and Chief Executive Officer. Capital One operates with a corporate structure that includes various executive vice presidents and managing vice presidents overseeing different business lines and functions.
Top Products and Market Share
Key Offerings
- Credit Cards: Capital One is among the top 5 credit card issuers in the US. Competitors include JPMorgan Chase (JPM), American Express (AXP), Citigroup (C), and Bank of America (BAC). Market share fluctuates but is typically around 10-15% of total US credit card outstandings.
- Description: Includes Quicksilver, Venture, Platinum and Savor Cards. They focus on customer service, digital experiences and innovative product features.
- Auto Loans: Capital One offers direct auto loans to consumers and partnerships with dealerships. It's a significant player in the auto lending market, competing with banks like Ally Financial (ALLY) and credit unions. Auto loan outstandings contribute significantly to their overall revenue, but precise revenue figures are not publicly broken down by product.
- Description: Provides financing for new and used cars. Competitors include banks, credit unions, and captive finance companies.
- Banking: Provides personal banking products and services such as checking accounts, savings accounts, money market accounts, and certificates of deposit to consumers.
- Description: Offer online banking services, and access to ATMs and bank branches. Competitors include Bank of America, JP Morgan Chase, and Wells Fargo.
Market Dynamics
Industry Overview
The financial services industry is highly competitive and regulated, facing challenges from fintech companies and changing consumer preferences. Interest rate environments and regulatory changes heavily impact profitability.
Positioning
Capital One differentiates itself through its data-driven approach, technological investments, and focus on customer experience. It aims to be a leading digital bank.
Total Addressable Market (TAM)
The TAM for the US consumer credit market is estimated to be over $4.5 trillion. Capital One holds a significant portion, positioning itself with continued growth in the market.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Data-driven approach
- Investments in technology and digital platforms
- Diversified business model
- Large customer base
Weaknesses
- Exposure to credit risk
- Dependence on interest rate environment
- Regulatory scrutiny
- High operating costs compared to Fintech companies
Opportunities
- Expansion of digital banking services
- Growth in emerging markets
- Partnerships with fintech companies
- Increasing use of AI and machine learning
Threats
- Increased competition from fintech companies
- Economic downturn
- Changes in regulatory landscape
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- JPM
- AXP
- C
- BAC
- DFS
Competitive Landscape
Capital One competes effectively through data analytics and customer service. Its digital transformation efforts aim to enhance its competitive edge against traditional banks and fintech firms.
Major Acquisitions
BlueTarp Financial
- Year: 2019
- Acquisition Price (USD millions): 75
- Strategic Rationale: Expansion into B2B payment solutions.
Wikibuy
- Year: 2018
- Acquisition Price (USD millions): 0
- Strategic Rationale: Acqui-hire/talent aquisition and for browser add-on platform for Price Comparison. Wikibuy was rebranded to Capital One Shopping
Growth Trajectory and Initiatives
Historical Growth: Capital One has experienced steady growth over the past decade, driven by expansion in credit cards and banking services.
Future Projections: Analysts expect moderate revenue growth and continued profitability, driven by digital banking initiatives and cost efficiencies.
Recent Initiatives: Recent initiatives include investments in digital platforms, expansion of rewards programs, and partnerships with fintech companies.
Summary
Capital One exhibits a balanced profile with strong brand recognition and a data-driven approach, coupled with inherent credit risk and regulatory pressures. Its digital transformation positions it for future growth, yet competition from fintech and potential economic downturns are key challenges. Investing in technology will increase the strength of the company. Maintaining customer satisfaction is critical.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Capital One Financial Corporation's Investor Relations
- SEC Filings (10-K, 10-Q)
- Analyst reports from major financial institutions
- Market research reports (e.g., from IBISWorld, Statista)
Disclaimers:
This analysis is based on publicly available information and analyst estimates. Actual results may vary. This is not financial advice.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Capital One Financial Corporation
Exchange NYSE | Headquaters McLean, VA, United States | ||
IPO Launch date 1994-11-15 | Founder, Chairman, CEO & President Mr. Richard D. Fairbank | ||
Sector Financial Services | Industry Credit Services | Full time employees 53900 | Website https://www.capitalone.com |
Full time employees 53900 | Website https://www.capitalone.com | ||
Capital One Financial Corporation operates as the financial services holding company for the Capital One, National Association, which engages in the provision of various financial products and services in the United States, Canada, and the United Kingdom. It operates through three segments: Credit Card, Consumer Banking, and Commercial Banking. The company accepts checking accounts, money market deposits, negotiable order of withdrawals, savings deposits, and time deposits. Its loan products include credit card loans; auto and retail banking loans; and commercial and multifamily real estate, and commercial and industrial loans. The company offers credit and debit card products; online direct banking services; and provides advisory, capital markets, treasury management, and depository services. It serves consumers, small businesses, and commercial clients through digital channels, branches, cafés, and other distribution channels located in New York, Louisiana, Texas, Maryland, Virginia, New Jersey, and California. Capital One Financial Corporation was founded in 1988 and is headquartered in McLean, Virginia.
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