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COCOF

Capital One Financial Corporation

Strong FundamentalsStrong FundamentalsRevenue growing 44% YoYStreet coverage with positive forward estimatesQuiet on X (67 mentions/wk)
$COF·$128B·Financial - Credit Services·Financial Services
$203.19-1.8%YTD-16.8%1Y-9.5%
Price updated 9h ago·X counts updated 3d ago
COCOF
$COFCapital One Financial Corporation
$203.19-1.77%67 posts1.1×
AI analysisFundamentalsVoices on X
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On X

The complete picture of $COF on X — how loud the conversation is right now, how it has trended over the last two weeks, and which way the crowd is leaning.

67X posts · last 7 days
Aug 31Sep 13
Chatter Meter
1.1×
QuietNormal · 1×Loud

How loud $COF's conversation on X is versus its own normal — 1× is typical, higher means busier. Right now it's about its usual level.

Mixed sentimentAI analysisGenerated by AI from underlying data5 posts analyzed · as of 2026-08-31

Chatter is mixed and noisy. A viral thread about Eric Trump claiming Capital One "shut down 300 bank accounts in the middle of the night" fuels political anger, and one poster rants about closing their account over a commercial. Offsetting that, the credit-card cohort rally gets flagged with Capital One up 23% from June lows, and the Brex acquisition versus Ramp's valuation is dissected.

Read what X is saying about $COF

  • Bullish vs bearish call — with the AI summary of the day's posts
  • Divergence flag when the top-engagement posts argue the other side
  • How loud the conversation is versus this ticker's own normal
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AI verdictAI analysisGenerated by AI from underlying data

TickerTalks' own read on what's driving $COF — fundamentals, momentum, or an event — and whether it agrees with the X crowd.

Proven numbersWinding up for a moveAI verdict · as of 2026-09-15

Trading in a tight range and building pressure — a move looks likely soon, but the direction isn't clear yet.

Capital One post-Discover-integration compounder — the credit-card cohort rally plus political-noise overhang.

Capital One Financial is one of the largest US credit-card issuers and a growing consumer bank — the recently-completed Discover Financial merger reshaped it into a scaled payments-plus-banking franchise. The stock is down 15% year-to-date but up 23% from June lows, in a coiled setup.

  • The economics reflect the merger scale: revenue grew 44% year-over-year last quarter to $19.3B with a 58% gross margin, 14% operating margin, and 23% FCF yield — because the Discover integration expanded the fee-plus-net-interest base, and consumer credit performance is holding.
  • The setup pairs a fundamental catalyst with political noise: the credit-card cohort rally is real, and Capital One's Brex-versus-Ramp acquisition-strategy commentary keeps the M&A optionality live — but political overhang from the Eric Trump 'shut down 300 bank accounts' viral thread is a legitimate near-term sentiment friction.

Oct 20 Q3 earnings and any explicit Discover-integration synergy disclosure plus credit-loss provision guidance are the fulcrum — sequential net-interest-margin expansion plus a firm FY27 EPS framing is the run-restart; a credit-loss provision surprise or another political-headline extends the range.

Agrees with X sentimentAgree with the mixed X framing — the credit-card cohort rally is real, and Capital One up 23% from June lows is directionally right. The Eric Trump political-noise thread is a legitimate near-term overhang; the Brex/Ramp valuation-comparison dissection is background context on the M&A option value.

What to watch: Oct 20 Q3 earnings — sequential NIM expansion plus firm FY27 EPS framing is the run-restart; credit-loss provision surprise or political-headline extends the range.

On the calendar: 2026-10-20 — Q3 earnings

Read the AI verdict on $COF

  • One-line verdict on what's driving the move — fundamentals, momentum, both, or an event
  • Next dated catalyst when there is one (earnings, deal closing, activist clock)
  • Whether TickerTalks' read agrees with or diverges from the X crowd
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What it does

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

Major US bank serving credit cards, auto loans, and digital banking—tech-forward challenger to legacy institutions.

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

AI-driven underwriting and BNPL are reshaping consumer credit while card network volumes hold via premium-spend mix; rate compression remains a headwind for subprime lenders. SoFi is down 30% YTD on valuation re-rate despite operational progress, and PYPL is expanding payment reach under a new strategic direction.

What this means for $COF

Partial — Tech-forward bank with large credit card and auto loan portfolio; digital banking strategy and premium card growth insulate somewhat from subprime headwinds, but card net charge-offs are rising with consumer stress.

Industry benchmark

19-name peer basket
-9.9%YTD
-18.1%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
Q2 2026Jul 21, 2026$5.81$4.79+21.3%
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%
Next earningsTue, Oct 20·consensus EPS $5.40

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 15 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$64.0B$63.4B – $64.3B$20.35$19.91 – $20.7511
FY27$67.9B$66.0B – $69.3B$23.88$22.52 – $24.9815
FY28$71.7B$68.8B – $75.4B$27.75$25.55 – $30.0913
FY29$78.6B$77.0B – $80.6B$39.17$38.12 – $40.4711

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.1.4×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.34%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.-4.3%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.-2.1%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatHigh float · 608.3M shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today0.7% 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.β1.025-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.FilingActive offeringA shelf registration (S-3 / S-3ASR / S-1) or prospectus supplement (424B*) was filed in the last 90 days — the company is registered to (or actively) issuing new shares. Dilution risk.

Insider activity

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

Recent transactions

SellSep 15Celia KaramPres, Retail Bank2.0K sh$416KSellSep 15Lia DeanPres, Banking & Prem. Products2.1K sh$426KSellSep 1Matthew W CooperGeneral Counsel & Corp Secy3.5K sh$749KSellAug 17Lia DeanPres, Banking & Prem. Products2.2K sh$495KSellAug 17Celia KaramPres, Retail Bank1.9K sh$426KSellAug 13Mouadeb Mark DanielPresident1.2K sh$270KSellAug 10Michael ZamskyChief Credit & Fin'l Risk Off.5.5K sh$1.2MSellAug 7Ravi RaghuPres, Software, Intl & Sm Bus50 sh$11KSellAug 4Mouadeb Mark DanielPresident1.2K sh$260KSellAug 4Matthew W CooperGeneral Counsel & Corp Secy3.5K sh$768K
1–10 of 20
+ 15 other (13 awards · 1 exempt · 1 inkind) 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

424B5Prospectus supplement (offering)Sep 8424B5
AI summary

Capital One Financial (COF) filed a preliminary 424B5 prospectus supplement for Fixed-to-Floating Rate Senior Notes due 2032 and 2037; specific rates, amounts, and pricing terms remain blank in this preliminary version. The offering, when priced, will add to Capital One's senior funding stack.

8-KCharter amendmentSep 18-K — Item 5.03: Charter amendment
AI summary

Capital One Financial Corporation filed a Certificate of Elimination with Delaware on September 1, 2026, removing all provisions related to its Fixed Rate Reset Non-Cumulative Perpetual Preferred Stock, Series M (established June 9, 2021) from its Restated Certificate of Incorporation, as all outstanding Series M shares had been retired. The Certificate of Elimination formally voids the Series M designation, preventing reissuance. Routine administrative cleanup of Capital One's charter following full redemption of the Series M preferred shares; no financial impact on existing stockholders.

8-KPress release / Reg FDAug 178-K — Item 7.01: Press release / Reg FD
AI summary

Capital One Financial Corporation furnished its monthly charge-off and delinquency metrics for the period ended July 31, 2026 via Reg FD disclosure on August 14, 2026. The specific metrics are in Exhibit 99.1 and were not captured in the excerpt. Routine monthly credit quality disclosure; the data is relevant for tracking consumer credit trends in Capital One's card portfolio.

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

Capital One Financial Corporation disclosed its monthly charge-off and delinquency metrics for the month ended June 30, 2026 via Regulation FD, with specific figures available in the attached Exhibit 99.1. This is a routine monthly consumer credit quality update — not an earnings release — providing visibility into Capital One's credit portfolio performance. Material to assess credit deterioration trends between quarterly earnings reports.

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.

+ 18 other (3 routine 8-Ks · 2 S-8 POSs · 2 10-Qs · 2 earnings 8-Ks) in window

Recent news

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

Capital One Financial Corporation (COF) Presents at Barclays 24th Annual Global Financial Services Conference Transcriptseekingalpha.com·16h agoWarren Buffett, Donald Trump Bet on Same 17 Stocks — Some Might Surprise Youbenzinga.com·19h agoThe Forgotten Generation Is Broke: 50% of All New Bankruptcies Are 40-59 Year Olds247wallst.com·2d agoBank of America Corp DE Takes $1.44 Billion Position in Capital One Financial Corporation $COFdefenseworld.net·2d agoI visited Capital One's lounge at LaGuardia. I loved the free steak and shrimp, but I'll do 1 thing differently next time.businessinsider.com·4d ago

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Voices on X · last 7 days

No standout posts about $COF on X in the last 7 days.

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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