Capital One Financial (CFX) Price & Analysis
CFX Stock Chart & Stats
- Day’s Range
- EUR 183.45 - EUR 186.80
- 52-Week Range
- EUR 151.75 - EUR 222.00
- Previous Close
- EUR 186.70
- Volume
- 0
- Average Volume (3M)
- 5
- Market Cap
- EUR 109.96B
- Enterprise Value
- EUR 162.06B
- Total Cash (Recent Filing)
- EUR 56.74B
- Total Debt (Recent Filing)
- EUR 45.37B
- Price to Earnings (P/E)
- 12.1
- Beta
- 0.71
- Next Earnings
- Jan 26, 2027
- EPS Estimate
- 4.34
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 1.52%
Bulls Say, Bears Say
Bulls Say
Strong Cash Generation
Very strong operating and free cash flow indicate that reported earnings are converting into usable funds, supporting investment, capital management, and resilience. Free cash flow tracking roughly 0.93–0.99 of net income also strengthens confidence in earnings quality over the next several quarters.
Discover Integration Synergies
Synergies achieved ahead of schedule provide a durable earnings lever from the Discover combination, potentially improving the cost base and integration returns. Early delivery also supports management credibility while the technology and network migration progresses toward completion.
Broad Banking Growth
Growth across consumer banking and payment-network activity demonstrates that Capital One is not dependent on a single product for expansion. Higher loan balances, revenue, and transaction volume can broaden the earnings base as Discover integration and cross-business initiatives mature.
Bears Say
Compressed Profitability
The sharp TTM revenue decline and materially lower margins indicate that earnings remain more volatile than during the company’s stronger historical periods. Even with a net-income rebound, a low margin profile leaves less cushion against credit costs, investment spending, or weaker operating conditions.
Discover Loan Contraction
The planned Discover loan contraction creates a near-term drag on balances and revenue while the portfolio is managed through integration. Personal loans face a particularly pronounced brownout, delaying the point at which the acquisition can contribute sustained positive loan growth.
Auto Credit Deterioration
Sequential deterioration in auto delinquencies and charge-offs signals rising stress in a sizeable consumer lending category. Although some measures improved year over year, higher losses can require additional provisions and reduce the amount of consumer-banking revenue that reaches shareholders.
Capital One Financial News
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Capital One Financial Stock Smart Score
Company Description
Capital One Financial
Capital One Financial Corporation, identified by its ticker COF, operates as a prominent financial services holding company. It oversees essential subsidiaries such as Capital One Bank (USA), National Association, and Capital One, National Association, which collectively offer a broad spectrum of financial products and services throughout the United States, Canada, and the United Kingdom. The company structures its extensive operations into three core divisions: Credit Card, Consumer Banking, and Commercial Banking. Clients can utilize various deposit instruments, including checking accounts, money market accounts, negotiable order of withdrawal (NOW) accounts, savings accounts, and time deposits. Capital One's lending solutions are equally comprehensive, encompassing credit card financing, personal auto and retail banking loans, as well as significant commercial and multifamily real estate loans, and broader commercial and industrial credit facilities. Furthermore, the corporation provides credit and debit card issuance, robust online direct banking capabilities, and specialized treasury management and custodial services. Capital One serves a diverse clientele that includes individual consumers, small enterprises, and large commercial entities. It reaches these customers through a multi-channel approach, leveraging digital platforms, traditional physical branches, innovative café locations, and other distribution points, particularly within key states like New York, Louisiana, Texas, Maryland, Virginia, New Jersey, and California. Established in 1988, Capital One Financial Corporation maintains its primary executive offices in McLean, Virginia.
- Sector
- Financial
- Industry
- Financial - Credit Services
- CEO
- Richard D. Fairbank
- Employees
- 77,500
- Website
- www.capitalone.com
- Address
- 1680 Capital One Drive, McLean, VA, 22102, US
Capital One Financial (CFX) Earnings & Revenues
CFX Company Deck
CFX Earnings Call
Earnings Call SentimentPositive
The call was strongly positive overall. Capital One reported solid earnings, revenue and loan growth, improved domestic card credit, expanding payment-network volume, commercial banking growth, a higher net interest margin, and approximately $1.8 billion of annualized combined Discover synergies achieved ahead of schedule. The company also highlighted progress with Brex, Discover technology conversion, premium cards, AI, and long-term resilience. Offsetting issues included lower liquidity and deposits, continued Discover loan contraction, sequentially higher auto credit losses and delinquencies, elevated marketing and technology investment, and uncertainty around the Visa-Mastercard settlement. Management remained confident that the Discover deal's earnings power is visible and consistent with the original expectations.
View all DE:CFX earnings summariesCFX Net sales Breakdown
- 74.04% Credit Card
- 19.53% Consumer Banking
- 6.84% Commercial Banking
- -0.40% Other
CFX Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 14 | 4 | 4 |
| Technical Analysis | 4 | 4 | 2 |
| Moving Averages | 10 | 0 | 2 |