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Upturn AI SWOT - About
COF 
Capital One Financial Corporation (COF)
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Upturn Advisory Summary
08/28/2025: COF (5-star) is a STRONG-BUY. BUY since 80 days. Profits (23.03%). 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 $252.76
1 Year Target Price $252.76
| 11 | Strong Buy |
| 4 | Buy |
| 7 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 62.91% | Avg. Invested days 64 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 145.26B USD | Price to earnings Ratio 630.94 | 1Y Target Price 252.76 |
Price to earnings Ratio 630.94 | 1Y Target Price 252.76 | ||
Volume (30-day avg) 22 | Beta 1.17 | 52 Weeks Range 129.97 - 231.82 | Updated Date 08/28/2025 |
52 Weeks Range 129.97 - 231.82 | Updated Date 08/28/2025 | ||
Dividends yield (FY) 1.07% | Basic EPS (TTM) 0.36 |
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 - | When - | Estimate - | Actual - |
Profitability
Profit Margin - | Operating Margin (TTM) -532.77% |
Management Effectiveness
Return on Assets (TTM) - | Return on Equity (TTM) 0.01% |
Valuation
Trailing PE 630.94 | Forward PE 14.84 | Enterprise Value 145522966528 | Price to Sales(TTM) 6.11 |
Enterprise Value 145522966528 | Price to Sales(TTM) 6.11 | ||
Enterprise Value to Revenue 4.61 | Enterprise Value to EBITDA - | Shares Outstanding 639516992 | Shares Floating 626509524 |
Shares Outstanding 639516992 | Shares Floating 626509524 | ||
Percent Insiders 1.82 | Percent Institutions 87.38 |
Upturn AI SWOT
Capital One Financial Corporation
Company Overview
History and Background
Capital One Financial Corporation was founded in 1988 as a credit card division of Signet Bank. It spun off as an independent company in 1994. Capital One grew through acquisitions and expanded into banking and other financial services.
Core Business Areas
- Credit Cards: Capital One offers a wide range of credit cards for consumers and businesses, including rewards cards, balance transfer cards, and secured cards.
- Banking: Capital One provides banking services such as checking accounts, savings accounts, CDs, and auto loans.
- Commercial Banking: Capital One offers commercial banking services, including loans, treasury management, and capital markets solutions to businesses.
Leadership and Structure
Richard Fairbank is the Chairman and CEO. The company has a traditional hierarchical structure with various departments and divisions reporting to executive leadership.
Top Products and Market Share
Key Offerings
- Credit Cards: Capital One is a major credit card issuer. Competitors include JPM, AXP, BAC, DFS. Market share for credit cards in the US is about 10% for Capital One.
- Auto Loans: Capital One offers auto financing options. Competitors include ALLY, GM Financial, banks, and credit unions. The company's auto loan portfolio has around 4% market share.
- Banking Services: Capital One 360 offers online banking and in-branch services. Competitors include online banks, local banks, and national banks. The market share is still less than 1% of the banking segment.
Market Dynamics
Industry Overview
The financial services industry is highly competitive and regulated. It is influenced by economic conditions, interest rates, and consumer spending habits.
Positioning
Capital One is positioned as a technology-focused, customer-centric financial services provider. Its competitive advantages include brand recognition, data analytics capabilities, and a diverse product portfolio.
Total Addressable Market (TAM)
The financial services TAM is estimated to be in the trillions of dollars. Capital One is positioned to capture a portion of this TAM through its various offerings.
Upturn SWOT Analysis
Strengths
- Strong Brand Recognition
- Data Analytics Capabilities
- Diverse Product Portfolio
- Efficient Cost Structure
- Digital Banking Platform
Weaknesses
- High Reliance on Credit Card Business
- Exposure to Credit Risk
- Reputational Risks Associated with Data Breaches
- Regulatory Scrutiny
Opportunities
- Expansion into New Markets
- Growth in Digital Banking
- Increasing Demand for Financial Technology
- Partnerships with Fintech Companies
Threats
- Economic Downturn
- Increasing Competition
- Rising Interest Rates
- Cybersecurity Threats
- Regulatory Changes
Competitors and Market Share
Key Competitors
- JPM
- BAC
- AXP
- DFS
- WFC
Competitive Landscape
Capital One competes with large banks and other financial institutions. Its strengths include its brand, data analytics capabilities, and digital platform.
Major Acquisitions
BlueTarp Financial
- Year: 2016
- Acquisition Price (USD millions): 0
- Strategic Rationale: Expanded Capital One's presence in the B2B payments space.
Growth Trajectory and Initiatives
Historical Growth: Capital One has grown through acquisitions and organic growth in its credit card and banking businesses.
Future Projections: N/A. Analyst projections are subject to change and require real-time data feeds.
Recent Initiatives: Capital One has invested in technology and digital banking to enhance customer experience and improve efficiency.
Summary
Capital One is a strong financial institution with a well-known brand and diversified product portfolio. Its focus on technology and data analytics positions it well for future growth. However, it faces increasing competition and regulatory scrutiny. Management must stay focused on maintaining the balance between growth and compliance.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Reports
- Industry Analysis
- Market Research
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market share data is estimated and subject to change.
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 76500 | Website https://www.capitalone.com |
Full time employees 76500 | 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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