Key facts, as of
As of September 29, 2026, Capital One Financial (COF) trades at $196.46, down 12.1% over the past year. Its 52-week range runs from $174.24 to $259.64; the price is 24.3% below that high. It sits 4.8% below its 200-day average of $206.33, the usual sign of a long-term downtrend. Its 30-day volatility is 23.1% annualized, which we rate medium risk. It has a trailing P/E of 10.8 and a dividend yield of 1.63%.
Cite: Portfolio Terminal, "Capital One Financial (COF) stock analysis", 2026-09-29. https://portfolio-terminal.com/analyse/cof
Where it trades today
trading 26% of the way up its 52-week range
How the price has moved
What to weigh before acting
What Matters Now
- Credit quality, deposit stability, and how management navigates the rate cycle usually drive the next rerating.
- COF is valued near its sector range at 10.8x earnings versus 12.5x for peers, so the next move likely needs a real earnings or guidance catalyst.
- COF carries a beta of 1.02, which means the stock should be judged on how it affects total portfolio swings, not just on standalone upside.
- COF remains in a bearish short-term trend and sits 24.3% below its high, which raises the bar for any thesis that depends on fast multiple expansion.
Portfolio Use Case
- COF is more useful for investors comparing conviction names inside financial services than for someone looking for a passive “set and forget” holding.
- The risk profile looks balanced enough for a diversified core-plus portfolio, provided the position size reflects sector concentration.
- The stock becomes more useful when paired with an explicit catalyst watchlist, because sector sentiment can shift quickly around policy, rates, or pipeline news.
What Would Change the View
- A recovery in price alone would not be enough to improve the view; the thesis needs confirmation from improving business or valuation signals.
- The view would need revisiting if peers such as JPM, BAC, WFC start winning the marginal flow or posting cleaner operating momentum.
Methodology
- Price, market cap, beta, yield, and liquidity fields for COF come from Yahoo Finance quote and summary data.
- 30-day volatility is calculated from recent daily returns and annualized using a 252-trading-day convention.
- Sector context uses stored benchmark averages for Financial Services so each page compares the ticker against a stable peer baseline rather than against the whole market.
- Peer comparisons use the Portfolio Terminal coverage set and highlight nearby listed alternatives such as JPM, BAC, WFC.
Sources
- Yahoo Finance quote dataopen →
Live quote, valuation, beta, yield, and volume fields used for COF. Last refresh: Sep 29, 2026, 10:33 PM.
- Portfolio Terminal methodologyopen →
Explains how analytics, refresh cadence, and portfolio interpretation work across the product.
- Peer set and coverage context
Comparative context for this page is anchored around nearby tracked names such as JPM, BAC, WFC.
What Capital One Financial does
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…
What analysts expect
COF carries a buy consensus from 21 analysts, with an average price target of $258.33 versus $196.46 today (+31.5%). Targets are estimates and can move quickly after earnings.
Consensus aggregated by Yahoo Finance. Targets are estimates, not forecasts.
How the business is doing
COF generated $48.11B in trailing revenue (1111.0% year over year), with a 21.9% net margin, supported by $7.64B of net cash.
The numbers, year by year
| Fiscal year | Revenue | Gross profit | Operating income | Net income | EPS | Free cash flow |
|---|---|---|---|---|---|---|
| 2025 | $53.43B | — | — | $2.45B | $4.03 | $26.14B |
| 2024 | $39.11B | — | — | $4.75B | $11.61 | $16.95B |
| 2023 | $36.79B | — | — | $4.89B | $11.98 | $19.61B |
| 2022 | $34.25B | — | — | $7.36B | $17.98 | $12.88B |
When it reports next
Estimates aggregated by Yahoo Finance. Dates move and estimates change until the report lands.
How it sits in financial services
Sector covering banks, insurance, asset management, and fintech companies.
The companies it competes with
COF beside the financial services names it is usually measured against.
What the chart is saying
Slipped under its 50-day average inside a longer uptrend.
weakening- Price is 7.2% below its 50-day average and 4.8% below its 200-day.
- The 50-day crossed above the 200-day on 2026-08-21 (a “golden cross”).
- RSI at 35 is neither stretched nor washed out.
- The nearest ceiling is $199.85 (+1.7%), the nearest floor $191.47 (-2.5%).
A description of the chart, not advice. Indicators describe what the price has done; none of them knows what it does next.
Questions people ask about it
Is COF a good buy right now?
Capital One Financial trades at 10.8x earnings. This is below market average, potentially undervalued. Current risk level is Medium based on 23.1% volatility.
Does COF pay dividends?
Yes, Capital One Financial offers a dividend yield of 1.63%. That is roughly $3.20 per share a year.
How volatile is COF?
With 30-day annualized volatility of 23.1% and beta of 1.02, COF is classified as Medium risk. Expect larger swings than the broader market during volatile periods.
What is the analyst price target for COF?
The average analyst price target for Capital One Financial (COF) is $258.33 based on 21 analyst estimates, about 31.5% above the current price of $196.46. The published range runs from $225.00 to $300.00.
How much revenue does COF generate?
Capital One Financial reported $48.11B in trailing twelve-month revenue. Revenue growth is running at 1111.0% year over year. Net margin sits at 21.9%. Figures are aggregated from company filings by Yahoo Finance and refresh on an hourly cadence.
Compare COF with anything
Five years side by side: what $10,000 became, how far each fell, whether they move together.