Is COF a good stock to buy right now?

Based on our 6-factor quantitative model, CAPITAL ONE FINANCIAL CORP (COF) receives a "Reduce" rating with a composite score of 42.9/100. It is ranked #2,909 out of 4,446 stocks. Key factor scores: Quality 41/100, Value 54/100, Momentum 38/100. The timing signal is "Bearish". This is quantitative analysis only — not investment advice.

What is the stock rating for COF?

CAPITAL ONE FINANCIAL CORP (COF) has a "Reduce" rating and 2-star score. The composite score of 42.9 ranks it #2,909 among 4,446 U.S. stocks. Ratings are updated weekly using academically-proven factor models.

What sector is COF in?

CAPITAL ONE FINANCIAL CORP operates in the Financials sector (Banking industry) with a market cap of $114.75 billion. It is classified as a large-cap stock.

Does COF pay a dividend?

Yes, COF pays a dividend with a current yield of 1.13%. The Financials sector average yield is 2.48%. For every $1,000 invested, you would receive approximately $11.30 in annual dividend income.

What is COF's P/E ratio?

COF has a trailing P/E ratio of 53.75x. The Financials sector average is 14.9x. This above-average P/E reflects growth expectations or premium valuation.

How profitable is COF?

COF's quality factor score is 41/100. Gross margin: 0.0%. ROE: 1.8% vs sector average 8.5%. Margins are moderate to low, reflecting competitive market dynamics.

How is COF valued compared to peers?

COF's value factor score is 54/100 (higher = cheaper). Key multiples: P/E 53.8x, EV/EBITDA 16.4x. Valuation is roughly in line with peers.

What is COF's debt level?

COF's debt-to-equity ratio is 489%. Sector average: 121%. Elevated leverage increases credit risk.

COF has a beta of 1.47, meaning it amplifies market moves. Stability score: 61/100.

Does COF have high short interest?

COF's short interest factor score is 48/100 (higher = less short selling). Elevated short interest may indicate bearish sentiment or short squeeze potential.

COF Stock Analysis: Reduce (Score 42.9/100) | Blank Capital Research

Data Series	1D	5D	1M	YTD	1Y	3Y	5Y	10Y
COF	-0.89%	+6.09%	+4.40%	-20.37%	+19.02%	-	-	-
Industry Proxy XLF	-1.09%	+2.50%	+1.42%	-7.30%	+10.59%	-	-	-
U.S. Market SPY	-0.07%	+3.60%	+0.34%	-0.36%	+29.52%	-	-	-
Alpha vs Market	-0.82%	+2.49%	+4.06%	-20.01%	-10.51%	-	-	-
Alpha vs Sector	+0.20%	+3.59%	+2.98%	-13.06%	+8.43%	-	-	-

Metric	COF	Benchmark
P/E Ratio	53.8x	+261%
EV/EBITDA	16.4x	+404%
Price / Book	1.0x

Stock Entity	Score▼	Quality	Value	Momentum	P/E Ratio	ROE	Gross Margin	Net Margin	Rev Growth	D/E Ratio	Market Cap	Compare
WTM WHITE MOUNTAINS INSURANCE GROUP LTD	63	80	79	54	8.9x	10.1%	96.3%	20.1%	1.6%	14.0x	$5.4B	VS
OPY OPPENHEIMER HOLDINGS INC	63	68	79	63	10.4x	9.9%	0.0%	6.5%	37.5%	273.0x	$959M	VS
ACT Enact Holdings, Inc.	62	81	76	52	8.7x	12.7%	88.5%	55.0%	4.2%	14.0x	$5.7B	VS
IGIC International General Insurance Holdings Ltd.	61	74	93	50	8.6x	82.6%	59.9%	25.1%	-	0.0x	$1.1B	VS
PKBK PARKE BANCORP, INC.	60	60	77	65	9.8x	10.5%	-	24.8%	20.9%	593.0x	$335M	VS
SSSS SURO CAPITAL CORP.	60	89	33	65	4.7x	30.9%	0.0%	-752.0%	-48.3%	34.0x	$290M	VS
CB Chubb Ltd	59	67	71	52	12.8x	12.5%	0.0%	16.6%	15.6%	20.0x	$128.0B	VS
RRBI RED RIVER BANCSHARES INC	59	59	69	68	15.0x	11.0%	0.0%	27.5%	13.3%	818.0x	$607M	VS
UFCS UNITED FIRE GROUP INC	59	64	78	58	9.8x	10.6%	100.0%	7.3%	17.5%	308.0x	$936M	VS
SPFI SOUTH PLAINS FINANCIAL, INC.	58	59	73	55	12.8x	11.0%	0.0%	21.7%	9.0%	807.0x	$690M	VS
COF CAPITAL ONE FINANCIAL CORP	43	41	54	38	53.8x	1.8%	0.0%	4.6%	61.6%	489.0x	$114.7B

Key Ratio	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
Gross Margin %	0.0%	-	-	-	-	-	0.8%	0.8%	0.8%	0.8%	0.8%
Operating Margin %	0.1%	0.0%	0.2%	0.2%	0.3%	0.5%	0.2%	0.2%	0.2%	0.2%	0.2%
EBITDA Margin %	0.1%	0.1%	0.2%	0.3%	0.4%	0.6%	0.2%	0.4%	0.3%	0.3%	0.3%
Net Margin %	0.0%	0.0%	0.1%	0.1%	0.2%	0.4%	0.1%	0.2%	0.2%	0.1%	0.1%
FCF Margin %	-103.9%	-	-	-	-	-	56.1%	55.1%	43.1%	48.3%	43.4%
ROE %	0.0%	0.0%	0.1%	0.1%	0.1%	0.2%	0.0%	0.1%	0.1%	0.0%	0.1%
ROA %	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
ROIC %	1.2%	1.6%	7.7%	8.2%	13.9%	20.5%	4.6%	3.8%	3.9%	3.6%	3.6%

Key Ratio

TTM

2025

2024

2023

2022

2021

2020

2019

2018

2017

2016

Gross Margin %

0.0%

0.8%

Operating Margin %

0.1%

0.0%

0.2%

0.3%

0.5%

0.2%

EBITDA Margin %

0.1%

0.2%

0.3%

0.4%

0.6%

0.2%

0.4%

0.3%

Net Margin %

0.0%

0.1%

0.2%

0.4%

0.1%

0.2%

0.1%

FCF Margin %

-103.9%

56.1%

55.1%

43.1%

48.3%

43.4%

ROE %

0.0%

0.1%

0.2%

0.0%

0.1%

0.0%

0.1%

ROA %

0.0%

ROIC %

1.2%

1.6%

7.7%

8.2%

13.9%

20.5%

4.6%

3.8%

3.9%

3.6%

Line Item	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
	$47.9B	$53.4B	$39.1B	$36.8B	$34.3B	$30.4B	$28.5B	$28.6B	$28.1B	$27.2B	$25.5B	$23.4B
	—	—	—	—	—	—	$22.9B	$23.3B	$22.9B	$22.5B	$20.9B	$18.8B
Gross Margin	0.0%	---	---	---	---	---	80.3%	81.6%	81.5%	82.5%	81.9%	80.4%
	—	$5.3B	$3.2B	$3.2B	$3.2B	$3.5B	$3.5B	$3.3B	$2.4B	$2.4B	$2.4B	$2.1B
Total Operating Expenses	—	$51.2B	$33.2B	$30.7B	$25.0B	$14.6B	—	—	—	—	—	—
	$2.4B	$2.3B	$5.9B	$6.0B	$9.2B	$15.8B	$5.6B	$5.3B	$5.2B	$4.8B	$4.6B	$4.6B
EBIT	$2.4B	$2.3B	$5.9B	$6.0B	$9.2B	$15.8B	$5.6B	$5.3B	$5.2B	$4.8B	$4.6B	$4.6B
EBITDA	$6.9B	$7.5B	$9.1B	$9.3B	$12.4B	$19.3B	$6.7B	$10.2B	$9.7B	$7.9B	$7.9B	$8.0B
Operating Margin	5.1%	4.3%	15.1%	16.4%	27.0%	51.9%	19.7%	18.4%	18.5%	17.5%	18.1%	19.6%
EBITDA Margin	14.3%	14.1%	23.4%	25.2%	36.4%	63.4%	23.5%	35.7%	34.6%	29.1%	31.0%	34.1%
	—	—	—	$12.7B	$4.1B	$1.6B	$3.1B	$5.2B	$4.3B	$2.8B	$2.0B	$1.6B
	—	$2.3B	$5.9B	$6.0B	$9.2B	$15.8B	—	—	—	—	—	—
Income Tax Expense	—	$193M	$1.2B	$1.2B	$1.9B	$3.4B	$486M	$1.3B	$1.3B	$3.4B	$1.7B	$1.9B
	$2.1B	$2.5B	$4.8B	$4.9B	$7.4B	$12.4B	$2.7B	$5.5B	$6.0B	$2.0B	$3.8B	$4.0B
Net Margin	4.6%	4.6%	12.1%	13.3%	21.5%	40.7%	9.5%	19.4%	21.4%	7.3%	14.7%	17.3%
	$4.03	$4.03	$11.61	$11.98	$17.98	$27.04	$5.19	$11.10	$11.90	$3.52	$6.96	$7.15
Diluted EPS	$4.03	$4.03	$11.59	$11.95	$17.91	$26.94	$5.19	$11.10	$11.90	$3.52	$6.96	$7.15
Weighted Avg Basic	—	541M	383M	382M	392M	443M	—	—	—	—	—	—
Weighted Avg Diluted	—	541M	384M	383M	393M	444M	—	—	—	—	—	—

Line Item

TTM

2025

2024

2023

2022

2021

2020

2019

2018

2017

2016

2015

$47.9B

$53.4B

$39.1B

$36.8B

$34.3B

$30.4B

$28.5B

$28.6B

$28.1B

$27.2B

$25.5B

$23.4B

—

$22.9B

$23.3B

$22.9B

$22.5B

$20.9B

$18.8B

Gross Margin

0.0%

---

80.3%

81.6%

81.5%

82.5%

81.9%

80.4%

—

$5.3B

$3.2B

$3.5B

$3.3B

$2.4B

$2.1B

Total Operating Expenses

—

$51.2B

$33.2B

$30.7B

$25.0B

$14.6B

—

$2.4B

$2.3B

$5.9B

$6.0B

$9.2B

$15.8B

$5.6B

$5.3B

$5.2B

$4.8B

$4.6B

EBIT

$2.4B

$2.3B

$5.9B

$6.0B

$9.2B

$15.8B

$5.6B

$5.3B

$5.2B

$4.8B

$4.6B

EBITDA

$6.9B

$7.5B

$9.1B

$9.3B

$12.4B

$19.3B

$6.7B

$10.2B

$9.7B

$7.9B

$8.0B

Operating Margin

5.1%

4.3%

15.1%

16.4%

27.0%

51.9%

19.7%

18.4%

18.5%

17.5%

18.1%

19.6%

EBITDA Margin

14.3%

14.1%

23.4%

25.2%

36.4%

63.4%

23.5%

35.7%

34.6%

29.1%

31.0%

34.1%

—

$12.7B

$4.1B

$1.6B

$3.1B

$5.2B

$4.3B

$2.8B

$2.0B

$1.6B

—

$2.3B

$5.9B

$6.0B

$9.2B

$15.8B

—

Income Tax Expense

—

$193M

$1.2B

$1.9B

$3.4B

$486M

$1.3B

$3.4B

$1.7B

$1.9B

$2.1B

$2.5B

$4.8B

$4.9B

$7.4B

$12.4B

$2.7B

$5.5B

$6.0B

$2.0B

$3.8B

$4.0B

Net Margin

4.6%

12.1%

13.3%

21.5%

40.7%

9.5%

19.4%

21.4%

7.3%

14.7%

17.3%

$4.03

$11.61

$11.98

$17.98

$27.04

$5.19

$11.10

$11.90

$3.52

$6.96

$7.15

Diluted EPS

$4.03

$11.59

$11.95

$17.91

$26.94

$5.19

$11.10

$11.90

$3.52

$6.96

$7.15

Weighted Avg Basic

—

541M

383M

382M

392M

443M

—

Weighted Avg Diluted

—

541M

384M

383M

393M

444M

—

CAPITAL ONE FINANCIAL CORP (COF) Stock Analysis — April 2026 Rating, Price, and Forecast

Last updated: April 2026

Company Overview — What Does CAPITAL ONE FINANCIAL CORP Do?

Capital One Financial Corporation operates as the financial services holding company for the Capital One Bank (USA), National Association; and Capital One, National Association, which provides 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 also offers credit and debit card products; online direct banking services; and 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. CAPITAL ONE FINANCIAL CORP (COF) is classified as a large-cap stock in the Financials sector, specifically within the Banking industry. The company is led by CEO Richard D. Fairbank and employs approximately 55,900 people, headquartered in McLean, Virginia. With a market capitalization of $114.7B, COF is one of the prominent companies in the Financials sector.

CAPITAL ONE FINANCIAL CORP (COF) Stock Rating — Reduce (April 2026)

As of April 2026, CAPITAL ONE FINANCIAL CORP receives a Reduce rating with a composite score of 42.9/100 and 2 out of 5 stars from the Blank Capital Research quantitative model.COF ranks #2,909 out of 4,446 stocks in our coverage universe. Within the Financials sector, CAPITAL ONE FINANCIAL CORP ranks #713 of 891 stocks, placing it in the lower half of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).

COF Stock Price and 52-Week Range

CAPITAL ONE FINANCIAL CORP (COF) currently trades at $192.90. The stock lost $1.83 (0.9%) in the most recent trading session. The 52-week high for COF is $259.63, which means the stock is currently trading -25.7% from its annual peak. The 52-week low is $143.22, putting the stock 34.7% above its annual trough. Recent trading volume was 1.2M shares, reflecting moderate market activity.

Is COF Overvalued or Undervalued? — Valuation Analysis

CAPITAL ONE FINANCIAL CORP (COF) carries a value factor score of 54/100 in the Blank Capital model, indicating fair valuation relative to historical norms. The trailing price-to-earnings ratio is 53.75x, compared to the Financials sector average of 14.88x — a premium of 261%. The price-to-book ratio stands at 0.99x, versus the sector average of 1.22x. The price-to-sales ratio is 2.35x, compared to 0.90x for the average Financials stock. On an enterprise value basis, COF trades at 16.42x EV/EBITDA, versus 3.26x for the sector.

Overall, COF's valuation appears roughly in line with sector benchmarks, suggesting the market is pricing the stock fairly given its current fundamentals and growth trajectory. Neither deep value nor significantly overpriced, the stock occupies a middle ground on valuation.

CAPITAL ONE FINANCIAL CORP Profitability — ROE, Margins, and Quality Score

CAPITAL ONE FINANCIAL CORP (COF) earns a quality factor score of 41/100, signaling below-average profitability metrics relative to the broader market. The return on equity (ROE) is 1.8%, compared to the Financials sector average of 8.5%, which is below typical expectations for high-quality companies. Return on assets (ROA) comes in at 0.3% versus the sector average of 1.2%.

On a margin basis, CAPITAL ONE FINANCIAL CORP reports gross margins of 0.0%. The operating margin is 5.1% (sector: 21.8%). Net profit margin stands at 4.6%, versus 17.7% for the average Financials stock. Revenue growth is running at 61.6% on a trailing basis, compared to 9.4% for the sector. Profitability is below benchmark levels, which may reflect industry headwinds, elevated reinvestment, or structural challenges.

COF Debt, Balance Sheet, and Financial Health

CAPITAL ONE FINANCIAL CORP has a debt-to-equity ratio of 489.0%, compared to the Financials sector average of 121.0%. This elevated leverage warrants close monitoring, as it increases the company's sensitivity to rising interest rates and economic downturns. The current ratio is 1.20x, suggesting adequate working capital coverage. Total debt on the balance sheet is $50.87B. Cash and equivalents stand at $4.61B.

COF has a beta of 1.47, meaning it is more volatile than the broader market — a $10,000 investment in COF would be expected to move 47.3% more than the S&P 500 on any given day. The stability factor score for CAPITAL ONE FINANCIAL CORP is 61/100, reflecting average volatility within the normal range for its sector.

CAPITAL ONE FINANCIAL CORP Revenue and Earnings History — Quarterly Trend

In TTM 2026, CAPITAL ONE FINANCIAL CORP reported revenue of $47.87B and earnings per share (EPS) of $4.03. Net income for the quarter was $2.10B. Gross margin was 0.0%. Operating income came in at $2.40B.

In FY 2025, CAPITAL ONE FINANCIAL CORP reported revenue of $53.43B and earnings per share (EPS) of $4.03. Net income for the quarter was $2.45B. Revenue grew 36.6% year-over-year compared to FY 2024. Operating income came in at $2.28B.

In Q3 2025, CAPITAL ONE FINANCIAL CORP reported revenue of $15.36B and earnings per share (EPS) of $4.83. Net income for the quarter was $3.19B. Revenue grew 53.4% year-over-year compared to Q3 2024. Operating income came in at $4.38B.

In Q2 2025, CAPITAL ONE FINANCIAL CORP reported revenue of $12.49B and earnings per share (EPS) of $-8.58. Net income for the quarter was $-4.28B. Revenue grew 31.4% year-over-year compared to Q2 2024. Operating income came in at $-5.93B.

Over the past 8 quarters, CAPITAL ONE FINANCIAL CORP has demonstrated a growth trajectory, with revenue expanding from $9.51B to $47.87B. Investors analyzing COF stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.

COF Dividend Yield and Income Analysis

CAPITAL ONE FINANCIAL CORP (COF) currently pays a dividend yield of 1.1%. At this yield, a $10,000 investment in COF stock would generate approximately $$113.00 in annual dividend income. This compares to the Financials sector average dividend yield of 2.5%, meaning COF yields less than the typical sector peer.

COF Momentum and Technical Analysis Profile

CAPITAL ONE FINANCIAL CORP (COF) has a momentum factor score of 38/100, signaling weak relative price performance. Stocks with low momentum scores have historically tended to continue underperforming in the near term. The investment factor score is 22/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 48/100 reflects moderate short selling activity.

COF vs Competitors — Financials Sector Ranking and Peer Comparison

Within the Financials sector, CAPITAL ONE FINANCIAL CORP (COF) ranks #713 out of 891 stocks based on the Blank Capital composite score. This places COF in the lower half of all Financials stocks in our coverage universe. Key competitors and sector peers include WHITE MOUNTAINS INSURANCE GROUP LTD (WTM) with a score of 62.9/100, OPPENHEIMER HOLDINGS INC (OPY) with a score of 62.6/100, Enact Holdings, Inc. (ACT) with a score of 61.6/100, International General Insurance Holdings Ltd. (IGIC) with a score of 61.3/100, and PARKE BANCORP, INC. (PKBK) with a score of 60.4/100.

Comparing COF against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full COF vs S&P 500 (SPY) comparison to assess how CAPITAL ONE FINANCIAL CORP stacks up against the broader market across all factor dimensions.

COF Next Earnings Date

No upcoming earnings date has been announced for CAPITAL ONE FINANCIAL CORP (COF) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.

Should You Buy COF? — Investment Thesis Summary

The quantitative profile for CAPITAL ONE FINANCIAL CORP suggests caution. Momentum is weak at 38/100, a headwind for near-term performance. Low volatility (stability score 61/100) reduces downside risk.

In summary, CAPITAL ONE FINANCIAL CORP (COF) earns a Reduce rating with a composite score of 42.9/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on COF stock.

Related Resources for COF Investors

Explore more research and tools: COF vs S&P 500 comparison, top Financials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare COF head-to-head with peers: COF vs WTM, COF vs OPY, COF vs ACT.

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Capital One Financial raised to Buy-equivalent at J.P. Morgan amid expected acquisition synergies (COF:NYSE)

Capital One Financial Corp. stock underperforms Tuesday when compared to competitors

Capital One (NYSE: COF) seals $2.56B Brex deal and grants RSUs

New Capital One Offer: Spend $50, Get $50 Back at MGM Resorts in Las Vegas [Targeted]

Capital One Completes Brex Buyout, Boosts Digital Payments Strategy

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CAPITAL ONE FINANCIAL CORP (COF) Stock Analysis — April 2026 Rating, Price, and Forecast

Company Overview — What Does CAPITAL ONE FINANCIAL CORP Do?

CAPITAL ONE FINANCIAL CORP (COF) Stock Rating — Reduce (April 2026)

COF Stock Price and 52-Week Range

Is COF Overvalued or Undervalued? — Valuation Analysis

CAPITAL ONE FINANCIAL CORP Profitability — ROE, Margins, and Quality Score

COF Debt, Balance Sheet, and Financial Health

CAPITAL ONE FINANCIAL CORP Revenue and Earnings History — Quarterly Trend

COF Dividend Yield and Income Analysis

COF Momentum and Technical Analysis Profile

COF vs Competitors — Financials Sector Ranking and Peer Comparison

COF Next Earnings Date

Should You Buy COF? — Investment Thesis Summary

Related Resources for COF Investors

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Capital One Financial raised to Buy-equivalent at J.P. Morgan amid expected acquisition synergies (COF:NYSE)

Capital One Financial Corp. stock underperforms Tuesday when compared to competitors

Capital One (NYSE: COF) seals $2.56B Brex deal and grants RSUs

New Capital One Offer: Spend $50, Get $50 Back at MGM Resorts in Las Vegas [Targeted]

Capital One Completes Brex Buyout, Boosts Digital Payments Strategy