Capital One Financial stock
COFNYSECapital One Financial Corporation, Financial ServicesISIN US14040H1059
67Score 67 out of 100, Neutral
Price and trend
56 / 100
Price history
−11% in one yearThe chart shows daily closes over 20 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Below the 200-day line: the price is 1.5% below it.
Since August 2026 the 50-day line has been above the 200-day line; the trend has turned up.
Normal: the price is neither overheated nor sold off (RSI 41).
The price is 24% below its 52-week high. Largest decline in 20 years: 90% (February 2007 to March 2009).
Chart figures for advanced users
- SMA 50$202.63
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$200.20
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)41
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDbelow the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$176.10
- The lowest closing price of the last twelve months.
- Resistance$257.94
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- Capital One Financial Corporation belongs to the Financial (Credit Services) industry (United States) and, with a market value of $118.57B, is number 4 of 61 companies in its industry on MEQIRI.
- In fiscal 2025 it reported revenue of $53.43B (up 36.6% year on year) and earnings of $2.45B (down 48.4%).
- For fiscal 2026, analysts expect on average revenue of $64.01B (up 19.8%) and adjusted earnings per share of $21.62 (up 11.7%).
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- MEQIRI Score 67 out of 100 (Neutral): rank 532 of 976 in Financial Services, median 68.
- The P/E is 11.9 (Financial (Credit Services) median 11.8, own median of recent years 11.7).
- Our model puts fair value at $265.94, with the price 26% below it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- Below fair valuePrice 26% below the fair value of $265.94.Valuation 86
- Consistently profitableProfit in all 10 fiscal years from 2016 to 2025.Fundamentals 78
Weaknesses
- Margin fallingOperating margin 4.3%, average of the prior years 16.4% (to 2024).Profitability 47
- DilutionShare count up 18% since 2020.Capital allocation 46
Its standout strengths are growth and valuation, while profitability and capital allocation hold the score back.
Daily figure as of 12 Nov 2026
How the score is calculatedScore overview
The fundamentals are strong overall.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansCrash risk medium
How well MEQIRI warnsIn the middle among stocks ranked 101 to 1,000.
From 2016 to 2025, 13 in 100 such stocks fell 30% or more within a year, against a group average of 15 in 100.
What drives the risk
- high growth grade (crashed more often in the backtest)
What lowers it
- solid fundamentals
Valuation
Valuation signal
Significantly undervaluedIn our model the price counts as cheap below $204.57 and expensive above $379.91 (uncertainty medium, based on the price swings of the past year).
The two parts of the fair value come to $336.27 (excess return model) and $195.60 (industry comparison), and the gap between them shows how uncertain the estimate is.
Calculated with a cost of equity of 9.7%. At 10.7% the fair value would be $241.43, at 8.7% it would be $300.53.
Valuation metrics
Half from the excess return model, half from earnings times the industry P/E (11.8).
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In the twelve months to 30 Sep 2026, revenue rose 30.2% on the twelve months before. Revenue has grown solidly since 2006, at about 8% per year.
Margins
- Operating margin
- Net margin
In fiscal 2025: operating 4%, net 5%. Banks and insurers have no gross margin, and their net margin is not comparable with other industries. The score leaves both out. Last 12 months: net 17%.
Debt & balance sheet
latest quarterFor banks and insurers, deposits and liabilities are the business. Debt to equity and the current ratio say little here, and the score does not rate them.
Earnings
- Next earnings
- 28 Jan 2027in 77 days
- Last reported
- 20 Oct 2026EPS reported $6.69 (expected $5.53)above expectations
Analyst estimates
Analysts have raised their 2026 earnings estimate by 5.3% since 15 Oct 2026.
- Earnings per share
- $21.62+5.3%
- Revenue
- $64.01B+0.2%
- Earnings per share
- $23.89−0.2%
- Revenue
- $67.59B−0.2%
MEQIRI has stored the estimates since 15 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
Company outlook confirmed
Share price after the results: −2.6%Earnings power after the Discover integration is still expected to match the deal announcement; Discover loans are expected to keep shrinking in the near term.
“Even though some individual variables in our deal model have moved since the announcement, and we have acquired Brex and brought in house the technology that supports Capital 1 travel we still expect our earnings power on the other side of the Discover integration to be consistent with what we expected at the time we …”The outlook is not part of the score and not a recommendation to buy or sell.
From the earnings call on 21 Jul 2026 (fiscal Q2 2026), read by AI.
Insiders
Open-market purchases and sales by executives, board members and major holders
No open-market purchases in the last 6 months. 10 insiders sold, $47.46M in total.
Sales say less than purchases: many insiders sell on a fixed plan, for taxes or to diversify.
- Raskind Peter ESale
6 Nov 2026, Board
- Shares
- 1,681
- Price
- $201.79
- Value
- $339,209
- Fairbank Richard DSale
4 Nov 2026, Chairman and CEO
- Shares
- 90,743
- Price
- $204.86
- Value
- $18.59M
- Fairbank Richard DSale
27 Oct 2026, Chairman and CEO
- Shares
- 90,743
- Price
- $202.86
- Value
- $18.41M
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- Dean LiaSale
15 Oct 2026, Pres, Banking & Prem. Products
- Shares
- 1,887
- Price
- $195.86
- Value
- $369,588
- Karam CeliaSale
15 Oct 2026, Pres, Retail Bank
- Shares
- 1,927
- Price
- $195.86
- Value
- $377,422
- Cooper Matthew WSale
6 Oct 2026, General Counsel & Corp Secy
- Shares
- 3,500
- Price
- $196.22
- Value
- $686,770
- Karam CeliaSale
15 Sept 2026, Pres, Retail Bank
- Shares
- 2,017
- Price
- $206.07
- Value
- $415,643
- Dean LiaSale
15 Sept 2026, Pres, Banking & Prem. Products
- Shares
- 2,066
- Price
- $206.07
- Value
- $425,741
- Cooper Matthew WSale
1 Sept 2026, General Counsel & Corp Secy
- Shares
- 3,500
- Price
- $214.10
- Value
- $749,350
- Dean LiaSale
17 Aug 2026, Pres, Banking & Prem. Products
- Shares
- 2,193
- Price
- $225.52
- Value
- $494,566
- Karam CeliaSale
17 Aug 2026, Pres, Retail Bank
- Shares
- 1,888
- Price
- $225.52
- Value
- $425,782
- Mouadeb Mark DanielSale
13 Aug 2026, President, Card
- Shares
- 1,199
- Price
- $225.00
- Value
- $269,775
- Zamsky MichaelSale
10 Aug 2026, Chief Credit & Fin'l Risk Off.
- Shares
- 5,473
- Price
- $218.02
- Value
- $1.19M
- Raghu RaviSale
7 Aug 2026, Pres, Software, Intl & Sm Bus
- Shares
- 50
- Price
- $218.49
- Value
- $10,925
- Mouadeb Mark DanielSale
4 Aug 2026, President, Card
- Shares
- 1,183
- Price
- $220.00
- Value
- $260,260
- Cooper Matthew WSale
4 Aug 2026, General Counsel & Corp Secy
- Shares
- 3,500
- Price
- $219.33
- Value
- $767,655
- Mouadeb Mark DanielSale
3 Aug 2026, President, Card
- Shares
- 690
- Price
- $215.00
- Value
- $148,350
- Raghu RaviSale
31 Jul 2026, Pres, Software, Intl & Sm Bus
- Shares
- 9,726
- Price
- $209.78
- Value
- $2.04M
- Golden Timothy PSale
29 Jul 2026, SVP, Chief Accounting Officer
- Shares
- 3,487
- Price
- $211.00
- Value
- $735,757
- Cooper Matthew WSale
7 Jul 2026, General Counsel & Corp Secy
- Shares
- 3,500
- Price
- $208.00
- Value
- $728,000
- Haggerty KaitlinSale
13 May 2026, Chief Human Resources Officer
- Shares
- 119
- Price
- $182.59
- Value
- $21,728
Partial trades from one filing are shown in one row, with the average price.
Source: Form 4 filings with the US Securities and Exchange Commission. Grants, option exercises, gifts and tax withholdings are hidden. Not a recommendation to buy.
What happened at Capital One Financial
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
976 rated companies in Financial Services
- This company
- 67
- Sector median
- 68
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Financial (Credit Services)
The next larger and next smaller companies by market value
- VisaV $793.99B83
- MastercardMA $575.61B84
- American ExpressAXP $216.66B84
- Bajaj FinanceBAJFINANCE.NS $71.63B78
- PayPal HoldingsPYPL $49.41B79
- ORIXIX $36.88B66
- Global PaymentsGPN $26.52B60
- Shriram FinanceSHRIRAMFIN.NS $24.34B75
ETFs that hold Capital One Financial
Held by 111 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| State Street SPDR MSCI USA Value UCITS ETF USD AccZPRU | 1.66% | 0.20% | €294.97M |
| iShares S&P 500 Financials Sector UCITS ETFQDVH | 1.54% | 0.15% | €2.17B |
| State Street SPDR S&P U.S. Financials Select Sector UCITS ETF (Acc)ZPDF | 1.49% | 0.15% | €663.04M |
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| Xtrackers MSCI USA Financials UCITS ETF 1DXUFN | 1.48% | 0.12% | €1.07B |
| iShares MSCI World Value Factor Advanced UCITS ETFCBUI | 1.34% | 0.25% | €1.53B |
| iShares Edge MSCI USA Value Factor UCITS ETFQDVI | 0.85% | 0.20% | €2.9B |
| Xtrackers MSCI World Financials UCITS ETF 1CXDWF | 0.81% | 0.25% | €1.44B |
| iShares STOXX World Equity Multifactor UCITS ETFIS07 | 0.78% | 0.33% | €28.39M |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 12 Nov 2026, recalculated nightly
- Price
- Closing price of 11 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 31 Dec 2025
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Neutral, published since 7 Nov 2026 (in the score history since 6 Nov 2026)
- Valuation signal Undervalued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.