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COF 
Capital One Financial Corporation (COF)
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Upturn Advisory Summary
11/05/2025: COF (4-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Above Average Performance
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
Number of Analysts
22 Analysts rated it
Well-followed company, solid analyst reports, reliable data for confident investing.
1 Year Target Price $260.24
1 Year Target Price $260.24
| 11 | Strong Buy |
| 4 | Buy |
| 7 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 53.33% | Avg. Invested days 67 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 11/05/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 140.75B USD | Price to earnings Ratio 76.08 | 1Y Target Price 260.24 |
Price to earnings Ratio 76.08 | 1Y Target Price 260.24 | ||
Volume (30-day avg) 22 | Beta 1.17 | 52 Weeks Range 142.38 - 231.82 | Updated Date 11/5/2025 |
52 Weeks Range 142.38 - 231.82 | Updated Date 11/5/2025 | ||
Dividends yield (FY) 1.09% | Basic EPS (TTM) 2.91 |
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 2025-10-21 | When After Market | Estimate 4.36 | Actual 5.95 |
Profitability
Profit Margin 4.9% | Operating Margin (TTM) 38.72% |
Management Effectiveness
Return on Assets (TTM) 0.25% | Return on Equity (TTM) 1.62% |
Valuation
Trailing PE 76.08 | Forward PE 10.86 | Enterprise Value 143281684480 | Price to Sales(TTM) 4.87 |
Enterprise Value 143281684480 | Price to Sales(TTM) 4.87 | ||
Enterprise Value to Revenue 4.41 | Enterprise Value to EBITDA - | Shares Outstanding 635733605 | Shares Floating 622770997 |
Shares Outstanding 635733605 | Shares Floating 622770997 | ||
Percent Insiders 1.82 | Percent Institutions 88.08 |
Upturn AI SWOT
Capital One Financial Corporation
Company Overview
History and Background
Capital One Financial Corporation was founded in 1988 as a division of Signet Bank, specializing in credit cards. It became an independent company in 1994 through a spin-off. Over time, it diversified into other financial services, including auto loans and banking.
Core Business Areas
- Credit Card: Offers a range of credit cards for consumers and small businesses, focusing on rewards, balance transfers, and credit building.
- Consumer Banking: Provides deposit accounts, loans, and other banking services to consumers.
- Commercial Banking: Offers lending, deposit, and treasury management services to businesses.
Leadership and Structure
Richard Fairbank is the founder and CEO. The organizational structure includes various divisions based on product lines and functions, overseen by a board of directors.
Top Products and Market Share
Key Offerings
- Credit Cards: Capital One is a major credit card issuer, with a significant market share in the US. Competitors include JPMorgan Chase, American Express, and Bank of America. While exact market share fluctuates, Capital One is consistently among the top issuers. Revenue from this segment is the largest source of income for the company.
- Auto Loans: Capital One provides auto financing options for consumers. Competitors include Ally Financial and various bank auto loan departments. The market share is smaller compared to credit cards, but it is a growing segment.
- Banking Services: Capital One offers a range of checking, savings, and CD products. The competitors are Bank of America and JP Morgan Chase.
Market Dynamics
Industry Overview
The financial services industry is highly competitive and regulated. Key trends include increasing digitalization, rising interest rates, and evolving consumer preferences. There is also an increase in online-only competitors and neobanks.
Positioning
Capital One is positioned as a technology-focused financial services company with a strong brand and customer base. Its competitive advantages include its data analytics capabilities and its focus on innovation.
Total Addressable Market (TAM)
The US financial services market is estimated to be worth trillions of dollars. Capital One is well-positioned to capture a significant share of this market, especially with its strong presence in credit cards and growing banking operations.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Large customer base
- Advanced data analytics capabilities
- Technological Innovation
- Diversified product portfolio
Weaknesses
- High charge-off rates compared to some competitors
- Dependence on consumer credit, which is sensitive to economic cycles
- Regulatory scrutiny
Opportunities
- Expansion into new markets and customer segments
- Further development of digital banking services
- Strategic acquisitions
- Leveraging data analytics for personalized offers
Threats
- Increasing competition from fintech companies
- Economic downturns impacting credit quality
- Changes in regulations
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- JPM
- BAC
- AXP
- DFS
Competitive Landscape
Capital One's advantages include its data analytics capabilities and strong brand. Disadvantages may include higher charge-off rates compared to some competitors and reliance on consumer credit.
Major Acquisitions
BlueTarp Financial
- Year: 2016
- Acquisition Price (USD millions):
- Strategic Rationale: Expand Capital One's small business lending capabilities.
Growth Trajectory and Initiatives
Historical Growth: Capital One has experienced significant growth over the years, driven by its expansion into new markets and its focus on innovation. However, growth rates can vary depending on economic conditions.
Future Projections: Future projections require up-to-date analyst estimates, which are dynamic. Please consult financial news sources for projections for Capital One's future growth.
Recent Initiatives: Recent strategic initiatives require up-to-date information. Please consult Capital One's investor relations website or financial news sources for recent strategic initiatives undertaken by Capital One.
Summary
Capital One is a robust financial institution with a strong credit card business and growing presence in banking and auto loans. Its data analytics capabilities and focus on innovation provide a competitive edge. However, it faces challenges from economic cycles, competition, and regulations. Capital One needs to continue innovating and managing risk effectively to sustain its growth.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Filings
- Industry Reports
- Financial News Outlets
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Market conditions are dynamic, and past performance is not indicative of future results.
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 77000 | Website https://www.capitalone.com |
Full time employees 77000 | 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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