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COCOF

Capital One Financial Corporation

Strong FundamentalsStrong FundamentalsRevenue growing 44% YoYStreet coverage with positive forward estimatesConsistent chatter on X (336/wk), no spike
$COF·$125B·Financial - Credit Services·Financial Services
$201.53+0.3%YTD-17.5%1Y+2.2%
Mentions · last 7 days
2026-06-11: 80 posts2026-06-12: 108 posts2026-06-13: 5 posts2026-06-14: 14 posts2026-06-15: 35 posts2026-06-16: 41 posts2026-06-17: 44 posts336+12%
Price updated 12h ago·X counts updated 2d ago
COCOF
Capital One Financial Corporation$COF
$201.53+0.33%336 posts+12%
AI analysisFundamentalsVoices on X
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AI verdict & sentimentAI analysisGenerated by AI from underlying data

Top X posts

Today's AI verdict on what's driving $COF, plus how loud the X conversation is and which way it's leaning.

AI analysis

TickerTalks’ read on the fundamentals and what’s driving the move.

Proven numbersCooling offAI verdict · as of 2026-06-19

Catching its breath after a run — could pick back up or fade from here.

Capital One is the credit-card franchise post-Discover acquisition at 32% of its 52-week range — 44% revenue growth as the combined entity scales.

Capital One Financial is the credit-card and consumer-banking franchise that just completed the transformative Discover Financial Services acquisition — the largest US fintech M&A of the cycle. Revenue grew 44% YoY to $19.3B in Q1 (boosted by the Discover integration) with operating margin at 14% and EPS of $3.34. Consensus models FY26 EPS at $19.53 → $24.24 FY27 → $27.93 FY28 — putting the stock at ~10x FY26 and ~8x FY27, deeply cheap for the franchise. At $201 the stock has lagged 18% YTD as the integration risk has weighed against the strategic upside. The Capital One Software Databolt Connect launch on Databricks Marketplace is operational color on the enterprise-software side. Position at 32% of 52-week range, vs 50-day +6%, vs 200-day -4% says the cool-off is digesting the integration overhang. Trump picking Capital One exec Brian Johnson to lead CFPB is real political-regulatory positive. The 23% trailing FCF yield is the lead income metric.

What to watch: Q2 earnings on July 28 — Discover integration progress and any update on credit-loss provisions. A clean print + a synergy disclosure restarts the rerating; a credit-cycle deterioration or a Discover integration stumble extends the cooling.

On the calendar: 2026-07-28 — Q2 earnings

sentiment missing

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  • X crowd read with bullish/bearish call + post volume
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What it does

Plain-English summary of the business — what they sell and how they make money.

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.

Industry overviewAI analysisGenerated by AI from underlying data

Where Financial - Credit Services sits in its cycle right now — and what that implies for $COF.

Financial - Credit Services · Financial Services

Agentic commerce (AI agents transacting on behalf of consumers) is the structural repricing event for payment network infrastructure — Visa, Mastercard, and Amex are building agent transaction APIs as long-duration positioning. X Money's emergence as a potential PayPal disruptor is the week's narrative; higher-for-longer rates continue to pressure fintech lenders' cost of capital.

See how Financial - Credit Services shapes $COF

  • Where the industry is in its cycle and the catalysts moving it now
  • What this means specifically for $COF's next move
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Industry benchmark

12-name peer basket
+3.8%YTD
-10.1%1Y

Fundamentals & catalyst

Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.

Key ratios

P/E
38.8How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.
ROIC
1.5%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.
Op margin
4.3%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.
FCF yield
23.1%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).
P/S
1.7Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.
ROE
2.9%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.
Gross margin
48.3%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.
D/E
0.5Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.

Past earnings

QuarterReportedActualEstimateSurprise
Q1 2026Apr 21, 2026$4.42$4.50-1.8%
Q4 2025Jan 22, 2026$3.86$4.14-6.8%
Q3 2025Oct 21, 2025$5.95$4.49+32.5%
Q2 2025Jul 22, 2025$5.48$4.05+35.3%
Next earningsTue, Jul 28·consensus EPS $4.73

Quarterly trend

QuarterRevenueYoYGrossOpEPSFCF
Q1 FY26$19.3B+44.1%57.8%14.0%$3.34$5.5B
Q4 FY25$19.6B+42.0%57.4%10.7%$3.26$9.0B
Q3 FY25$19.8B+43.7%64.3%22.1%$4.83$8.8B
Q2 FY25$16.4B+23.7%7.0%-36.1%$-8.58$5.7B

Forward consensus

4-year forecast · up to 14 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$63.7B$62.7B – $64.4B$19.53$18.81 – $19.9614
FY27$67.2B$65.4B – $69.2B$24.24$22.74 – $25.4714
FY28$71.3B$71.3B – $71.3B$27.93$26.47 – $30.549
FY29$77.0B$75.0B – $78.6B$39.17$37.82 – $40.204

Setup & momentum

Volume, range, and moving-average position — the technical setup driving short-term moves.

Right now

Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.1.5×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.32%Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.+5.8%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.-3.9%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatHigh float · 610.8M shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today1.2% of floatToday's volume as a percent of the free float. Above 5% on a single day is unusually high turnover for the available share count.β1.045-year weekly beta vs the S&P 500. Above 1.5 means the stock typically moves more than the index; below 0.8 moves less.

Know if $COF is setting up — or just chopping

  • Volume multiple vs 30-day baseline — catch unusual interest before the move
  • Position vs 50d & 200d MAs and 52-week range — trend direction at a glance
  • Float bucket, beta, and active-offering flags — what kind of stock you're trading
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Insider activity

Recent open-market buys and sells by officers and directors — flagged when multiple insiders cluster.

Recent transactions

SellMay 13Kaitlin HaggertyChief Human Resources Officer119 sh$22KSellMay 12Kaitlin HaggertyChief Human Resources Officer1.3K sh$240KSellMay 12Matthew W CooperGeneral Counsel & Corp Secy3.5K sh$644KSellMay 1Celia KaramPres, Retail Bank1.7K sh$337KSellApr 1Lia DeanPres, Banking & Prem. Products1.7K sh$314KSellApr 1Celia KaramPres, Retail Bank1.1K sh$204KSellMar 2Celia KaramPres, Retail Bank1.6K sh$312KSellFeb 26Mouadeb Mark DanielPresident1.6K sh$335KSellFeb 25Mouadeb Mark DanielPresident1.5K sh$306KSellFeb 25Jason P. HansonPres.- Global Payment Network3.7K sh$764K
1–10 of 11
+ 23 other (16 awards · 7 inkinds) in window

See when $COF insiders are putting their own money in

  • Real-time open-market buys and sells from Form 4 filings
  • Cluster-buy detection when multiple insiders pile in at once
  • 30 / 60 / 180-day windows so you can spot building conviction
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SEC filings

Material 8-K, 13D, S-3, and 424B5 events from the last 180 days — the filings that actually move the price.

Recent material filings

8-KPress release / Reg FDJun 158-K — Item 7.01: Press release / Reg FD
8-KPress release / Reg FDJun 88-K — Item 7.01: Press release / Reg FD
8-KPress release / Reg FDMay 158-K — Item 7.01: Press release / Reg FD
AI summary

Capital One Financial Corporation filed an 8-K (Items 7.01 and 9.01) on May 15, 2026 (event date May 14, 2026) furnishing investor presentation materials under Reg FD. The XBRL references multiple securities classes — common stock, Series I through N preferred stock, and senior notes due 2029. This is a routine Reg FD investor conference or update filing, though notably timed around the period of Capital One's pending Discover Financial acquisition close.

8-KShareholder voteMay 88-K — Item 5.07: Shareholder vote
AI summary

Capital One Financial Corporation filed an 8-K under Item 5.07 (shareholder vote results) on May 8, 2026, reporting the outcome of proposals voted on at its annual meeting. The XBRL header shows multiple share classes and preferred series registered; no vote tallies or proposal details are visible in the available excerpt. Routine annual meeting disclosure — outcome is broadly administrative unless an activist proposal or say-on-pay rejection appeared, which would require checking the attached exhibit.

8-KPress release / Reg FDApr 218-K — Item 7.01: Press release / Reg FD
AI summary

Capital One Financial Corporation filed an 8-K under Item 7.01 (Reg FD) on April 21, 2026, furnishing an investor presentation alongside its Q1 earnings release. The excerpt is XBRL header only; the presentation content — likely a Q1 earnings deck covering segment performance, credit quality metrics, and Discover deal integration updates — is attached under Item 9.01. This companion Reg FD filing to the Q1 earnings 8-K is routine but materially relevant given Capital One's landmark pending acquisition of Discover Financial Services.

8-KOfficer or director changeApr 78-K — Item 3.02: Unregistered equity sale · Item 5.02: Officer or director change
8-KPress release / Reg FDMar 168-K — Item 7.01: Press release / Reg FD
8-KPress release / Reg FDFeb 178-K — Item 7.01: Press release / Reg FD
+ 18 other (4 8-Ks · 3 routine 8-Ks · 2 13Gs · 2 earnings 8-Ks) in window

Recent news

Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.

Capital One Software Introduces Databolt Connect for Secure Data Collaboration on Databricks Marketplacegurufocus.com·3d agoCapital One Software Introduces Databolt Connect for Secure Data Collaboration on Databricks Marketplacebusinesswire.com·3d agoCapital One: A 27% Sell-Off Creates A Compelling Entry Pointseekingalpha.com·6d agoTrump Picks Capital One Exec Brian Johnson to Lead CFPBpymnts.com·8d agoCapital One Financial Corporation (COF) Presents at Morgan Stanley US Financials Conference 2026 Transcriptseekingalpha.com·10d ago

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TickerTalks is a research tool, not financial advice. We surface social-attention data; we do not make stock recommendations. Past attention is not predictive of future price movements.

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