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Upturn AI Summary - About
Capital One Financial Corporation(COF)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for COF
10/08/2026: COF (3-star) is currently NOT-A-BUY. Pass it for now.
Capital One Financial Corporation is a large-scale financial services company known for its technology-driven, data-centric approach to credit cards, consumer banking, and commercial lending. The company has a leading position in the U.S. credit card market and maintains a competitive advantage through its sophisticated internal data analytics. Its primary growth strategy centers on expanding its digital banking ecosystem and scaling its presence through strategic mergers, such as the acquisition of Discover Financial. Risks remain centered on credit cycle sensitivity, regulatory pressures on fees, and the execution risk of integrating large operations. The stock may appeal to value-oriented and dividend-seeking investors, though credit volatility warrants close monitoring of macroeconomic developments.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | While the company has a strong track record of scale, growth is cyclical and tied heavily to consumer credit health. |
| Momentum investor | Mixed fit | The stock can exhibit momentum when economic conditions are favorable, though it is prone to volatility based on credit metrics. |
| Value investor | Strong fit | The company often trades at reasonable valuations relative to book value and earnings, appealing to value-oriented investors. |
| Dividend investor | Strong fit while signal remains positive | Capital One offers a consistent dividend payout that is generally well-covered by earnings. |
| Low-risk investor | Weak fit | Financial companies, especially those with exposure to consumer credit, are sensitive to economic cycles and market volatility. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | Bank and financial stocks are highly sensitive to market sentiment and economic news. |
| Valuation risk | Medium | Future returns depend heavily on the accuracy of the company's credit loss modeling. |
| Competition risk (Credit card market competition) | High | The intense competition for prime borrowers can compress net interest margins. |
| Business quality | Strong | The company has a long-standing reputation for sophisticated risk management and technology integration. |
| Dividend income | Medium | Dividends are subject to board approval and can be impacted by economic and regulatory capital requirements. |
| Execution risk | Medium / high | Integrating major acquisitions like Discover requires significant operational focus and management attention. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Moderately Choppy
The stock has experienced noticeable price swings while retaining some directional structure.
Analysis of Past Performance
Type Stock | Historic Profit 37.46% | Avg. Invested days 56 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/08/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 120.19B USD | Price to earnings Ratio 12.58 | 1Y Target Price 257.19 |
Price to earnings Ratio 12.58 | 1Y Target Price 257.19 | ||
Volume (30-day avg) 3.5M shares | Beta 1.04 | 52 Weeks Range 173.62 - 256.64 | Updated Date 10/07/2026 |
52 Weeks Range 173.62 - 256.64 | Updated Date 10/07/2026 | ||
Dividends yield (FY) 1.53% | Basic EPS (TTM) 15.57 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Credit Card | Interest and fees generated from consumer and business credit card accounts. | This is the primary engine of the company, driven by consumer borrowing habits. |
| Consumer Banking | Retail deposits and lending services including auto loans. | Provides stable, lower-cost funding for the bank's lending operations. |
| Commercial Banking | Commercial loans, treasury management, and specialized financial services. | Diversifies income beyond the consumer market into more stable corporate lending. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Valuation
Trailing PE 12.58 | Forward PE 8.49 | Enterprise Value 123.30B | Price to Sales(TTM) 2.5 |
Enterprise Value 123.30B | Price to Sales(TTM) 2.5 | ||
Enterprise Value to Revenue 2.7 | Enterprise Value to EBITDA - | Shares Outstanding 613.50M | Shares Floating 604.90M |
Shares Outstanding 613.50M | Shares Floating 604.90M | ||
Percent Insiders 1.23 | Percent Institutions 89.28 |
Upturn AI Summary
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.
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
News (Last Updated: 10/08/2026)
About Capital One Financial Corporation
Exchange NYSE | Headquarters 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 78400 | Website https://www.capitalone.com |
Full time employees 78400 | 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, time deposits, and sweep accounts. Its loan products include credit card and personal 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; bank lending; and provides advisory, capital markets, net interchange, 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 the District of Columbia. Capital One Financial Corporation was founded in 1988 and is headquartered in McLean, Virginia.
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