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Stock·NYSE·Financial Services

Capital One Financial Corp. (COF)

$201.74 2.880 (1.45%)
At close: Oct 16, 4:00 PM EDT
Buy
69 / 100
CleaRank AI scorei
Market cap
$123.77B
P/E
12.77
Dividend yield
1.59%
Street target
$254.00median of 24 analysts
52-week range
$174.24 $259.64
01

The short version

Where COF stands today, in four lines, and what CleaRank Financial AI makes of it.

COF at a glance

Capital One Financial Corp. (COF): Buy, 69/100 on CleaRank's AI score.

  • Trend Down: the price is below both its 50- and 200-day moving averages ($208.06 and $203.30).
  • Earnings COF beat estimates in 5 of its last 6 quarters, and the stock rose the next day every time.
  • Insiders Insiders sold $97.0M and made no open-market purchases over the last 18 months.
  • Valuation P/E of 12.8 against 16.5 for the Financial Services sector: a discount to peers (-23%).

Figures as of October 17, 2026.

CleaRank Financial AI

CleaRank rates Capital One Financial Corp. (COF) Buy, with a model score of 69/100.

Valuation lifts the score most: the P/E of 12.77 is 22.6% below the sector median (a discount to peers) and the P/S of 2.54 is 33.2% below the sector median. The trend holds it back most: the price is 0.77% below its 200-day average and 3.04% below its 50-day average. The 50-day average stands at $208.06 and the 200-day at $203.30. Over the past year the price fell 0.69%.

Only on CleaRank

Figures we compute ourselves from COF's own price, earnings and insider-filing history. Tap one to see it in context.

02

Price and trading

The chart, today's range and how far the price has moved over each period.

2.0

Trend checks

1/4
  • Price above its 50-day average ›
    The price of $201.74 is 3.0% below the 50-day simple moving average of $208.06.
  • Price above its 200-day average ›
    The price is 0.8% below the 200-day simple moving average of $203.30.
  • 50-day average above the 200-day ›
    The 50-day average ($208.06) is 2.3% above the 200-day average ($203.30), the arrangement of a rising longer-term trend.
  • In the upper half of its 52-week range ›
    The price sits at 32% of its 52-week range, between $174.24 and $259.64.

COF share price

Pick a period: each tab shows how far COF has moved over it, to the last close.

Nov '25Jan '26Mar '26Jun '26Aug '26Oct '26
Start $203.15 Oct 16, 2025
Latest close $201.74 Oct 16, 2026
High $257.94 Jan 6, 2026
Low $176.10 Mar 27, 2026

Today's trading

Where COF sits inside today's range and its 52-week range.

Day range 1.87% wide
$201.74
$200.27 $204.01
52-week range 32% of the way up
$201.74
$174.24 $259.64
Open
$200.60
Previous close
$198.86
Volume
4.75M
24% above average
Market cap
$123.77B
03

Fundamentals

Valuation against the sector, and the revenue and earnings behind it.

3.0

Valuation and quality checks

5/5
  • P/E below the sector median ›
    The trailing P/E of 12.77 is 22.6% below the Financial Services median of 16.5.
  • P/S below the sector median ›
    The price-to-sales ratio of 2.54 is 33.3% below the sector median of 3.8.
  • Profitable over the last 12 months ›
    Net income over the last 12 months was $9.8B on revenue of $48.1B, a net margin of 20.4%.
  • Beat estimates in most recent reports ›
    COF beat the EPS estimate in 5 of its last 6 reports.
  • Pays a dividend ›
    The trailing dividend yield is 1.59%, or $3.20 a share a year.

Key statistics

The headline figures for COF.

Market Cap
123.77B
P/E Ratio
12.77
EPS (TTM)
15.57
Dividend Yield
1.59%
52 Week High
259.64
52 Week Low
174.24

As of October 17, 2026, COF trades at $201.74, with a market value of $123.77B, a P/E ratio of 12.77 and a dividend yield of 1.59%.

What the numbers say

CleaRank Financial AI's reading of COF's valuation, growth and risks.

Valuation

Against the 16.5 median P/E of Financial Services stocks, Capital One Financial Corp. (COF)'s P/E of 12.77 is 22.6% below that median, which counts as a discount to peers. COF trades at 2.54 times its sales, 33.2% below the sector median of 3.8. For scale, COF carries a market capitalisation of $123.8B and trailing earnings of $15.57 a share.

With revenue growth of 1,111.00%, COF is 1,099.3 percentage points faster than the sector median of 11.7%. COF turns sales into profit at a net margin of 21.87% and an operating margin of 33.63%, alongside a return on equity of 9.03%, below the sector median of 13.8%. The balance sheet and payout round out the picture, with debt-to-equity of 0.00 and a trailing dividend yield of 1.59% ($3.20 a share a year).

Earnings & Growth

$3.86 a share against a $4.14 estimate made the January 22, 2026 report a miss of 6.76%. Shares fell 7.56% in the next session.

COF beat the EPS estimate in 5 of its last 6 reports, and every one of those beats was followed by a gain the next day. Looking ahead, analysts expect EPS of $20.54 this fiscal year (growth of 4.8%) and $24.10 the year after (growth of 17.3%).

Key risks

Day-to-day volatility is the first thing to plan around: COF has moved 1.35% on an average session. Until the price regains its moving averages, the trend works against holders. The price is 22.30% below its 52-week high of $259.64. Insiders sold $97.0M over the last 18 months and bought none on the open market, though sales of this kind are often planned in advance and say less than purchases would.

COF against the Financial Services sector

How COF compares with the median Financial Services stock CleaRank tracks.

P/E ratio 23% below the median
COF
12.8x
Sector median
16.5x
P/S ratio 33% below the median
COF
2.5x
Sector median
3.8x
Revenue growth, year on year 1,099.3 points above the median
COF
1,111.0%
Sector median
11.7%
Return on equity 4.8 points below the median
COF
9.0%
Sector median
13.8%

Price to earnings vs sector: COF trades at a notable discount to sector peers (-23%), which may indicate undervaluation or specific company headwinds.

Return vs XLF: Since May 6, 2025, COF has gained 8.6% against a gain of 12.9% for XLF.

Performance against XLF

COF and the Financial Services sector fund over the same days.

Jun '25Sep '25Dec '25Apr '26Jul '26Oct '26
COF XLF

Revenue and earnings

How much COF sells, and how much of it becomes profit.

Revenue, 12 months
$48.1B
Net income, 12 months
$9.8B
Net margin
21.9%
Revenue growth
+1,111.0%
latest quarter, year on year
FY202141% marginFY202221% marginFY202313% marginFY202412% marginFY20255% margin
Revenue Net income

Revenue growth: Revenue grew 36.6% in FY2025 to $53.4B, from $39.1B a year earlier.

Profit margin: The net margin was 4.6% in FY2025, down from 12.1% the year before.

Profitable: COF earned $2.5B in FY2025.

Earnings reality check

Did COF beat what analysts expected, and how did the stock react?

Beat the estimate
5 of 6
last 6 reports
Fell after a beat
0 of 5
first session after the report
Average surprise
+19.8%
actual EPS against the estimate
Avg. first-session move
+1.3%
the stock, after the report
EPS surprise
First-session move
Oct '24Jan '25Apr '25Jul '25Oct '25Jan '26

Earnings record: COF beat the analyst estimate in 5 of the last 6 quarters.

Market reaction: The stock rose in the first session after every beat.

COF earnings surprises and the stock's reaction
Report Estimate Actual Surprise First session 5 sessions
Jan 22, 2026after close $4.14 $3.86 -6.76% -7.56% -6.70%
Oct 21, 2025after close $4.36 $5.95 +36.47% +1.53% +1.82%
Jul 22, 2025after close $3.72 $5.48 +47.31% +0.94% -1.66%
Apr 22, 2025after close $3.65 $4.06 +11.23% +3.68% +7.57%
Jan 21, 2025after close $2.80 $3.09 +10.36% +4.00% +5.13%
Oct 24, 2024after close $3.76 $4.51 +19.95% +5.23% +6.22%

Reports after January 22, 2026 are not yet in our data.

As of October 17, 2026, COF has beaten the analyst EPS estimate in 5 of its last 6 reported quarters and rose in the first trading session after every one of those beats; its most recent report in our data, on January 22, 2026, came in 6.76% below the estimate and the stock moved -7.56% in the first session.

The first session is the first full trading day on the news: the report day itself for a report before the open, the next day for one after the close. Surprise is actual EPS against the consensus estimate.

04

AI analysis and technicals

CleaRank's score and reasoning, the indicators behind it, and what the price moves with.

4.0

Momentum checks

2/3
  • RSI not overbought or oversold ›
    The 14-day RSI is 51.6, in neutral territory.
  • RSI above 50 ›
    An RSI of 51.6 is above the 50 midpoint, so buyers have had the upper hand over the last 14 days.
  • MACD line above zero ›
    The MACD line is negative, so the 12-day average is below the 26-day average.

CleaRank AI analysis of COF

The score, the reasoning behind it, and what could move the price next.

Company's health
4/5
12-month analyst target
$254.00
+25.90% above price · median of 24 analysts
AI analyst consensus
69/100
Buy
What the AI sees

Capital One Financial Corp. (COF) has a downward trend. The price of $201.74 sits 0.77% below its 200-day average of $203.30 and 3.04% below its 50-day average of $208.06. The 50-day average is still 2.34% above the 200-day, but the price has dropped beneath the shorter average. In its 52-week range of $174.24 to $259.64, the price is at 32% of the span, 22.30% below the high.

The price is down over each of these periods: 0.71% over the past month, 3.02% over the past three months and 0.69% over the past year. The 14-day RSI of 51.6 is in the neutral zone, and the MACD line is negative.

Catalysts
Rewards
  • New analyst coverage ›

    BMO Capital started coverage at Market Perform on October 9, 2026.

    Source: Analyst action, BMO Capital, October 9, 2026
Risks
  • Earnings miss ›

    The January 22, 2026 report missed the EPS estimate by 6.76%, and the share price fell 7.56% in the first session after it.

    Source: Earnings report, January 22, 2026
ProTips
  1. Keep an eye on the two levels nearest the price: the 200-day SMA at $203.30 overhead and the 20-day EMA at $199.54 underneath.
  2. The 14-day RSI reads 51.6, in the neutral zone, with the MACD line negative; readings above 70 or below 30 mark stretched momentum.
  3. Following the January 22, 2026 report, the share price dropped 7.56% in the first session, even though COF beat estimates in 5 of the last 6 reports.
Market outlook

COF is trading beneath both its 50-day ($208.06) and 200-day ($203.30) averages, and that is why the trend reads as down. A move back above the 200-day would be the first sign of recovery. That average, at $203.30, is the closest level above the price.

Capital One Financial Corp. (COF) has its next support marker below the price at the 20-day EMA, which sits at $199.54.

Technical indicators

Momentum and trend for COF, from its daily closes.

Technical rating Neutral 2 of 4 signals bullish
  • RSI Neutral
  • SMA cross Bullish
  • Price vs SMA Bearish
  • MACD Bearish
Momentum Neutral
51.614-day RSI
Oversold <30 Neutral Overbought >70
MACD (12, 26) -2.12 Bearish
Trend Golden cross
-3.0%price against the 50-day average
200-day $203.30 50-day $208.06 Price $201.74
Price against the 200-day -0.8% Bearish

As of October 17, 2026, with COF at $201.74, its 14-day RSI is 51.6 (neutral territory), its 50-day simple moving average is $208.06 and its 200-day is $203.30.

Calculated by CleaRank on daily closes as of October 17, 2026: Wilder's 14-day RSI, 50- and 200-day simple moving averages, MACD line (12, 26).

What COF moves with

Correlation of daily returns over one year: +1 moves in step, 0 has no link, -1 moves the opposite way.

-1 0 +1
S&P 500 (SPY) +0.66 Moderate
Nasdaq 100 (QQQ) +0.54 Moderate
Bitcoin (BTC) +0.30 Weak
Gold (XAU) +0.05 Weak

As of October 17, 2026, COF's 1-year correlation of daily returns is +0.66 with S&P 500 (SPY), +0.54 with Nasdaq 100 (QQQ), +0.30 with Bitcoin (BTC) and +0.05 with gold (XAU).

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05

What Wall Street expects

The analysts' target range and how their ratings split.

5.0

Analysts checks

2/3
  • Most analysts rate it a buy ›
    19 of 24 analysts rate it a buy or strong buy, 5 a hold and 0 a sell.
  • Median target above the price ›
    The median 12-month target of $254.00 is 25.9% above the price.
  • More buy ratings than three months ago ›
    19 of 24 rate it a buy now, against 20 of 24 three months ago.

COF Wall Street View

12-month price targets

Low $219.00 Median $254.00 (+25.9%) High $290.00

The price, $201.74, sits below every analyst's target.

Ratings

Buy 19 Hold 5 Sell 0 3 months ago: 20 of 24 buy

Recent rating actions

Recent analyst rating actions on COF
Date Firm Action Rating
Oct 9, 2026 BMO Capital Initiates Market Perform
Oct 6, 2026 TD Cowen Maintains Buy
Oct 5, 2026 Barclays Maintains Overweight
Oct 1, 2026 Evercore ISI Group Maintains Outperform
Sep 30, 2026 Citigroup Maintains Buy
Sep 28, 2026 Piper Sandler Maintains Overweight

As of October 17, 2026, 24 Wall Street analysts cover COF: 19 rate it a buy or strong buy, 5 a hold and 0 a sell or strong sell. Their 12-month price targets range from $219.00 to $290.00, with a median of $254.00, 25.9% above the price of $201.74.

Source: TwelveData analyst consensus. Targets and ratings belong to the analysts, not to CleaRank.

06

A trade plan, if you want one

Entry, stop and target levels from the moving averages and recent volatility. Educational, not advice.

COF trade plan

Entry, stop and target levels, sized to your account. Change the bias or the risk and every level updates.

Your bias
Risk per trade 2%
Conservative Aggressive
Portfolio value
$
Position size: Enter portfolio size →

Long entry pick an entry style

Conservative
$197.71
2% below current price (Pullback entry)
Lower risk, wait for pullback
Aggressive
$201.74
Buy at current price
Higher risk, immediate entry

Risk management

Stop loss
$191.77
Max loss
-3.0%
Volatility-adjusted stop Set from the RSI (51.6) and recent volatility.

Profit targets (Based on Conservative Entry)

Target 1
$207.59
+5% (Conservative) +2.9% (Aggressive)
Target 2
$217.48
+10% (Conservative) +7.8% (Aggressive)
Target 3
$227.36
+15% (Conservative) +12.7% (Aggressive)

These levels come from COF's moving averages and recent volatility, not from a forecast. Educational levels, not financial advice; the full disclaimer is at the foot of the page.

Risk profile

How much COF tends to move, against the market and on its own.

Daily volatility
1.35%
30-day standard deviation
52-week range
$201.74
$174.24 32% of the way up $259.64

Compare COF

Put COF side by side with other stocks and benchmarks.

07

The long record

COF's worst falls and recoveries, what $10,000 became, and which months have been kind to it.

7.0

Track record checks

3/4
  • Average daily move under 2% ›
    The price has moved 1.35% on an average day (30-day standard deviation of daily returns).
  • Recovered from its worst fall ›
    The worst fall was 58.7%, from January 2020 to April 2020, regained by January 2021.
  • Most 1-year holds ended higher ›
    63% of 1-year holding periods in the last 10 years ended with a gain.
  • Beat the S&P 500 since the chart begins ›
    $10,000 invested in October 2016 is now worth $33,306, against $42,055 in the S&P 500 (SPY).

COF Drawdowns & Recovery

Worst fall, last 10 years
-58.7%
January 2020 to April 2020
Recovery
9 months
back at the old peak by January 2021
From the 10-year high
-21.8%
highest close, January 2026
1-year holds that gained
63%
of every 1-year window

As of October 17, 2026, COF's worst peak-to-trough fall over the last 10 years with dividends reinvested was -58.7% (January 2020 to April 2020); it regained that peak by January 2021, 9 months after the low, and 63% of 1-year holding periods ended with a gain.

From weekly closing values with dividends reinvested. A drawdown is the fall from the highest value reached so far to a later low.

Growth of $10,000

What $10,000 put into COF in October 2016 is worth now, against the same amount in the S&P 500.

COF today
$33,306
from $10,000 in October 2016, dividends reinvested
S&P 500 today
$42,055
the same $10,000 in SPY
Behind the index by
$8,748.90
0.8x the index result
Total change
+233%
3.3x the starting amount
20182020202220242026
COF S&P 500 (SPY)

Against the market: COF trailed the S&P 500 over this period: $33,306 against $42,055.

A $10,000 investment in COF in October 2016 would be worth about $33,306 today with dividends reinvested, compared with about $42,055 for the same investment in the S&P 500 benchmark (also with dividends reinvested).

Seasonal patterns

Which calendar months have been kind to COF, and which have not.

Jan7/10 upFeb4/10 upMar3/10 upApr6/10 upMay5/10 upJun7/10 upJul10/10 upAug6/10 upSep5/10 upOct7/9 upNov6/10 upDec6/10 up

Strongest month, January: an average of +5.54%, up in 7 of 10 years.

Weakest month, March: an average of -8.88%, up in 3 of 10 years.

This month, October: has averaged +4.05%, up in 7 of 9 years. Past seasonality does not repeat on schedule.

Over the last 10 years, COF's strongest calendar month has been January (average +5.54%, up in 7 of 10 years) and its weakest March (average -8.88%, up in 3 of 10 years).

Average return for each calendar month over the last 10 years, from weekly closing prices with dividends included.

08

Long-term scenarios

Thousands of simulated paths from the price history. A range of outcomes, not a forecast.

Monte Carlo projection

Thousands of simulated paths for $10,000 in COF, from its own past volatility. The shaded area holds 80% of them.

Downside, 2036
$4,767
10th percentile
Base case, 2036
$21,691
median path
Upside, 2036
$98,694
90th percentile
202620282030203220342036
Upside (90th) Base case (median) Downside (10th) 10th to 90th percentile

CleaRank's 10-year Monte Carlo simulation projects that a $10,000 investment in COF today could grow to about $21,691 by 2036 in the base case, with a 90th-percentile outcome near $98,694 and a 10th-percentile outcome around $4,767. The simulation models price only; at today's 1.59% yield, dividends would add to these figures. Projections are statistical simulations, not guarantees.

COF Stock Price Prediction: 2030

The same simulation in share prices, year by year.

Price today
$202
Base case, 2030
$275
1.4x over 4 years
Range, 2030
$105 to $717
10th to 90th percentile

CleaRank's simulation projects a price near $275 for COF by 2030 in the base case, from $202 today (1.4x over 4 years). The 10th-percentile path ends near $105. These are outcomes of a Monte Carlo simulation run on COF's historical return distribution, not price targets, and they assume no dividends are reinvested.

COF simulated price paths by year
Year 10th percentile Base case 90th percentile range base today
2027 $135 $218 $352
2028 $120 $236 $464
2029 $111 $254 $584
2030 $105 $275 $717
2031 $102 $297 $867

Method: a lognormal simulation of COF's own volatility and capped historical trend, re-run daily; base case is the median path, the outer columns the 10th and 90th percentiles.

09

Insider trading

What the people running the company have bought and sold.

COF insider trading

Shares the company's directors and officers bought and sold, from their own filings.

Bought
None
no open-market buys
Sold
$97.0M
49 open-market sales
Insiders filing
31
over the last 18 months
Average trade
$2.0M
buys and sales together

Month by month

Open-market purchases above the line, sales below.

May '25Aug '25Nov '25Feb '26May '26Aug '26Oct '26

Insider buying: No insider bought COF shares on the open market in the last 18 months. Sales are often planned in advance or cover tax on vesting shares, so they say less than purchases would.

As of October 17, 2026, COF insiders reported 49 open-market sales worth $97.0M and no open-market purchases over the last 18 months; grants and option exercises are not counted.

Insider transactions in COF
Date Insider Type Shares Value
Oct 6, 2026
Matthew W. Cooper
General Counsel
Sell 3.5K $686.8K
Sep 15, 2026
Lia Dean
Officer
Sell 2.1K $425.7K
Sep 15, 2026
Celia Edwards Karam
Officer
Sell 2.0K $415.6K
Sep 1, 2026
Matthew W. Cooper
General Counsel
Sell 3.5K $749.4K
Aug 17, 2026
Lia Dean
Officer
Sell 2.2K $494.6K
Aug 17, 2026
Celia Edwards Karam
Officer
Sell 1.9K $425.8K
Aug 13, 2026
Mark Daniel Mouadeb
Officer
Sell 1.2K $269.8K
Aug 10, 2026
Michael Zamsky
Officer
Sell 5.5K $1.2M
Aug 7, 2026
Ravi Raghu
Officer
Sell 50 $10.9K
Aug 4, 2026
Matthew W. Cooper
General Counsel
Sell 3.5K $767.7K
Page 1 of 12

Source: TwelveData, from SEC Form 4 filings

10

Questions people ask

Answered from the figures on this page, as of October 17, 2026.

Frequently Asked Questions

Is Capital One Financial Corp. (COF) a buy right now?
A score of 69/100 gives COF its Buy rating. Valuation carries the score: the P/E of 12.77 is 22.6% below the sector median (a discount to peers) and the P/S of 2.54 is 33.2% below the sector median. The trend holds the score back, because the price is 0.77% below its 200-day average and 3.04% below its 50-day average. This describes the data on this page and is not a personal recommendation.
How has Capital One Financial Corp. (COF) performed over the past year?
Over the past year the price fell 0.69%. Over shorter periods it fell 3.02% in three months and fell 0.71% in the past month. It now trades 22.30% below its 52-week high of $259.64.
What are the key price levels for COF?
The closest levels above the price are the 200-day SMA at $203.30 and then the 50-day SMA at $208.06. The levels below are the 20-day EMA at $199.54 and then the 52-week low at $174.24.
Is COF expensive compared with Financial Services stocks?
With a trailing P/E of 12.77, COF is 22.6% below the Financial Services median of 16.5, which the peer comparison on this page labels a discount to peers. Its price-to-sales ratio of 2.54 is 33.2% under the sector median of 3.8. Those medians are drawn from 72 stocks across the entire sector rather than only direct rivals.
Does COF pay a dividend?
Yes, COF pays a trailing dividend yield of 1.59%, which works out to $3.20 a share each year. Because the yield is the dividend divided by the price, it moves whenever either of those changes.
What do Wall Street analysts think of COF?
Among the 24 analysts following COF, 19 rate it a buy, 5 hold it and 0 sell it. Their median 12-month target is $254.00, which is 25.9% above the current price.
How often has COF beaten earnings estimates?
In the reports in our data, COF has beaten the EPS estimate in 5 of the last 6. After 0 of those 5 beats did the share price fall in the first session.
How volatile is COF?
On an average day COF's price moves 1.35%, based on the 30-day standard deviation of daily returns.
Are COF insiders buying or selling?
Over the last 18 months, insiders sold $97.0M of stock and made no open-market purchases. Sales are often planned ahead or made to cover tax on vesting shares, so they carry less weight than purchases would.
What is the 52-week range of COF?
Over the past 52 weeks COF has traded between $174.24 and $259.64. At $201.74, the stock is at 32% of that range, 15.78% above the low and 22.30% below the high.

Disclaimer: CleaRank.com is a financial data and analytics provider, not a registered investment advisor, broker-dealer, or financial regulatory body. The stock analysis, trade plans, and AI-generated signals presented for COF are for educational and informational purposes only and do not constitute financial advice, investment recommendations, or an offer to buy or sell any securities. All trade setups and performance metrics shown are hypothetical, hindsight-based, and simulated. They do not represent actual trades made by CleaRank or its affiliates. Stock prices can be volatile and are subject to market, economic, and company-specific risks. Market data is provided "as-is" and may be delayed by 15 minutes or more. We do not guarantee the accuracy, completeness, or timeliness of any data. You should never invest money you cannot afford to lose. Past performance does not guarantee future results. Consult a qualified financial advisor before making any investment decisions. Analysis generated on October 17, 2026.

Disclaimer:

Engaging in financial markets carries significant risk of total capital loss. Markets are volatile, unpredictable, and past success does not guarantee future results. Never invest funds you cannot afford to lose. CleaRank does not offer financial, investment, or advisory services. We provide no recommendations, endorsements, or guarantees regarding market outcomes. You alone are responsible for your decisions.

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