Capital One/$COF

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About Capital One

Capital One is a diversified financial services holding company headquartered in McLean, Virginia. Originally a spinoff of Signet Financial's credit card division in 1994, the company is now primarily involved in credit card lending, auto loans, and commercial lending. Following the acquisition of Discover in 2025, the firm also has a modest personal loan business, though credit card lending still provides the majority of the bank's revenue.

Ticker

$COF
Sector

Primary listing

NYSE

Employees

76,500

Capital One Metrics

BasicAdvanced
$143B
-
-$0.69
1.17
$2.38
1.07%

What the Analysts think about Capital One

Analyst ratings (Buy, Hold, Sell) for Capital One stock.

Bulls say / Bears say

Capital One’s second-quarter net interest income rose 32.5% to $10 billion and non-interest income grew nearly 27% to $2.5 billion, driving adjusted net income up to $2.77 billion and showcasing robust credit card revenue growth (Reuters).
The completion of the $35.3 billion acquisition of Discover Financial in mid-2025 positioned Capital One as the largest U.S. credit card issuer by balances, expanding its scale and cross-selling opportunities in the high-yield credit card market (Reuters).
Loan loss provisions increased to $11.43 billion in Q2, reflecting conservative risk management and bolstering the bank’s resilience against potential credit defaults (Reuters).
The merger with Discover triggered a one-time provision expense that drove a 33.7% increase in sector-wide provision expenses, reducing bank profits by $677.3 million in Q2 2025 and highlighting hefty integration costs (Reuters).
Net charge-offs jumped 16% to $3.06 billion in Q2 2025, signaling deteriorating credit quality in the credit card portfolio as consumers faced higher borrowing costs (Reuters).
DOJ staff have raised antitrust concerns that the Discover merger would combine about 30% of subprime loans under Capital One, creating regulatory risk and the potential for legal challenges (Reuters).
Data summarised monthly by Lightyear AI. Last updated on 7 Sept 2025.

Capital One Financial Performance

Revenues and expenses
QuarterlyAnnual
Q3 24
QoQ growth
Revenue
$37B
-39.75%
Net income
$45B
107.52%
Profit margin
37.65%
6.78%

Capital One Earnings Performance

Company profitability
QuarterlyAnnual
Q4 23
Q1 24
Q2 24
Q3 24
Q4 24
Actual
$3.69
$2.85
$2.45
$2.42
-
Expected
$3.55
$2.61
$2.05
$2.31
$3.94
Surprise
3.94%
9.20%
19.51%
4.63%
-
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.

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