Capital One Financial AI Stock Analysis
Capital One Financial (0HT4) AI Stock Analysis
Capital One Financial
(LSE:0HT4)
No summary available
Capital One Financial (0HT4) vs. iShares MSCI United Kingdom ETF (EWC)
- Market Cap
- $118.57B
- Dividend Yield
- 1.62%
- Average Volume (3M)
- 1,867
- Price to Earnings (P/E)
- 11.6
- Beta (1Y)
- 1.11
- Revenue Growth
- 26.17%
- EPS Growth
- 613.24%
- Country
- UK
- Employees
- 77,500
- Sector
- General
- Sector Strength
- 55
- Industry
- Financial - Credit Services
Capital One Financial Business Overview & Revenue Model
Company Description
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 Associatio...
Capital One Financial Earnings Call Summary
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.
Q3-2026 Updates
Positive Updates
Negative Updates
Company Guidance
For the fourth quarter, Capital One expects the Q3 to Q4 percentage growth in marketing to be similar to the Q3 to Q4 percentage growth we saw in 2025, primarily driven by seasonality, and plans to lean harder into marketing in 2027; year-to-date results reflect about $1.8 billion of annualized combined synergies, with remaining synergies and the Visa, MasterCard settlement roughly offsetting in magnitude. Discover Card originations were up year-over-year for the first time since the deal closed, 100% of Discover Card originations were on Capital One’s tech stack as of the end of September, the back book conversion is expected to complete in the first quarter, and Capital One expects continued contraction over the next several quarters, and then for loan growth to turn positive after that. For liquidity, the range of this quarter sort of average and ending probably gives you a reasonable benchmark of what will be typical levels, with average cash about $55 billion and ending cash just under $50 billion; structural impacts to NIM have run their course, with future changes driven by seasonality and relative asset and liability growth.
Capital One Financial Risk Analysis
Capital One Financial disclosed 34 risk factors in its most recent earnings report. Capital One Financial reported the most risks in the "Finance & Corporate" category.
Latest Risks Added
0 New RisksCapital One Financial Peers Comparison
Overall Rating
AXP79Outperform
SYF68Neutral
OMF67Neutral
ALLY65Neutral
SOFI62Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| AXP | 79Outperform | $216.90B | 18.17 | 35.64% | 1.14% | 9.97% | 19.24% |
| SYF | 68Neutral | $22.33B | 7.44 | 19.99% | 1.78% | -1.80% | 4.62% |
| OMF | 67Neutral | $6.34B | 8.41 | 22.64% | 7.59% | 6.46% | 11.49% |
| ALLY | 65Neutral | $11.30B | 8.66 | 9.67% | 3.27% | 4.66% | 161.37% |
| SOFI | 62Neutral | $21.25B | 28.05 | 6.76% | ― | 37.62% | 0.62% |
| Sector * | 55Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| GB:0HT4 | Capital One Financial Corp. | 196.93 | -17.19 | -8.03% | |
| AXP | American Express Company | 323.11 | -37.56 | -10.41% | |
| ALLY | Ally Financial | 38.27 | 0.22 | 0.58% | |
| SYF | Synchrony Financial | 72.02 | -0.53 | -0.73% | |
| OMF | OneMain Holdings, Inc. | 55.36 | -0.14 | -0.26% | |
| SOFI | Sofi Technologies Inc | 16.27 | -12.12 | -42.69% |
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.