COF · Capital One Financial Corp

Track COF — free

$216.27 -1.64 (-0.75%) At close · Aug 24

Market Cap

$135.60B

622.29M

Up next

Next earnings call

Oct 20, 2026 Est · unconfirmed · in 8 wks

FQ3-26 quarter ends

~Sep 30, 2026 Est

Latest filing: 10-Q

filed Jul 28, 2026

AI Brief

TL;DR.

Bullish

Bearish

AI-generated from the earnings call and 8-K · may contain errors · not investment advice

Ask ALVIS about this →

Equibles Research

our published analysis of this company

Research Thesis July 21, 2026

SoFi's 47.2% drawdown prices a credit-cycle casualty the Q1 2026 print disproves

Record originations across every lending product, 1,055,000 net new members, and a 22 basis-point NIM expansion to 5.94% sit beneath a 37.8x P/E and 14.7% short interest that price SoFi Technologies as if the bear case on capital deployment has already landed.

Equibles Rating

blended score · not investment advice

Overall

Buy

SellHoldBuy

Technical Buy Momentum Strong Sentiment Bullish Fundamentals Strong Quant / Vol Moderate

Market backdrop VIX 15.9 · calm Equity put/call 0.68

Technical

price trend

Buy

50 / 200-day cross Golden cross

Price vs 200-day avg +4%

above

Price vs 50-day avg +4%

above

RSI (14) 52

neutral

MACD trend Negative

52-week position 49%

mid-range

Momentum

relative strength

Strong

1-month return +4%

trailing

6-month return +12%

trailing

YTD return −11%

this year

Relative strength −1%

vs S&P · 6-mo

Sentiment

smart money

Bullish

Trend (MA cross) Golden cross

50d $209 › 200d $208 — 50d above 200d

Institutional flow Accumulating

+3% holders QoQ · +253 funds added

Insider flow Distributing

Net -$1.9M over 90 days · 100% sells

Short interest Falling

1.73% of float · ▼ -16.6% MoM · 2.3 days cover

Volume signal Normal

Volume near normal

Institution breadth Steady

2,106 holders — mid 3-yr range

Squeeze score 50

elevated · 0–100

Fundamentals

Strong

Revenue growth +37%

Y/Y

EPS growth −65%

Y/Y

Free cash flow $26.1B

Buyback $16.0B

authorized

Balance sheet $32.5B

net debt

Quant / Vol

risk profile

Moderate

Volatility 32%

annualized · 1-yr

Max drawdown −32%

past year

ATR 2.5%

of price · 14-day

Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.

Guidance & track record

what management promised — and delivered

Latest guidance · from the Earnings Call filed Jun 30, 2025

Operating efficiency ratio · full quarter run rate 0.9%

Total efficiency ratio · full quarter run rate 0.5%

Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.

Technicals

trend & momentum for long-term holders Buy

1 · 2 · 3

50 / 200-day cross

Golden cross Bullish

Price vs 200-day avg

+4% Bullish

Price vs 50-day avg

+4% Bullish

RSI (14)

52 Neutral

MACD trend

Negative Bearish

52-week position

49% Neutral

Market signals — smart money & positioning

Bullish · 3 of 6

Trend (MA cross) Golden cross

50d $209 › 200d $208 — 50d above 200d

Institutional flow Accumulating

+3% holders QoQ · +253 funds added

Insider flow Distributing

Net -$1.9M over 90 days · 100% sells

Short interest Falling

1.73% of float · ▼ -16.6% MoM · 2.3 days cover

Volume signal Normal

Volume near normal

Institution breadth Steady

2,106 holders — mid 3-yr range

Price context

position in its 52-week range

Range low $176 Now $216 · 49% Range high $258

vs 200-day avg +4% vs 50-day avg +4% 50-day above 200-day golden cross

Illustrative technical + ownership context — a signal mix, not investment advice.

Key metrics

the company's own KPIs, from written earnings releases and filings

Metric	Latest	Period	YoY
Adjusted diluted EPS non-GAAP	$5.81	Q2 2026	—

Adjusted efficiency ratio non-GAAP	51.38%	second quarter of 2026	—

Adjusted net income available to common stockholders non-GAAP	$3.6B	Q2 2026	—
Adjusted operating efficiency ratio non-GAAP	40.88%	second quarter of 2026	—

Auto average loans	$87.4B	second quarter of 2026	—

Auto loan originations	$24.05B	Six Months Ended June 30, 2026	—

Auto period-end loans	$89.3B	as of June 30, 2026	—

Average loans held for investment	$450.7B	second quarter of 2026	—

Average yield on loans held for investment	9.57%	Q2 2026	—
Commercial Banking average loans	$90.9B	second quarter of 2026	—

Commercial Banking period-end loans	$91.3B	as of June 30, 2026	—

Common equity Tier 1 capital	$70.78B	June 30, 2026	—
Common equity Tier 1 capital ratio	13.7%	as of June 30, 2026	—
Consumer Banking average loans	$88.6B	second quarter of 2026	—

Consumer Banking period-end loans	$90.5B	as of June 30, 2026	—

Credit Card average loans	$271.2B	second quarter of 2026	—

Credit Card period-end loans	$275.4B	as of June 30, 2026	—

Domestic Card average loans	$254.6B	second quarter of 2026	—

Domestic Card period-end loans	$259B	as of June 30, 2026	—

Efficiency ratio	57.05%	second quarter of 2026	—

Global Payment Network volume	$363.94B	Six Months Ended June 30, 2026	—

Interest-bearing deposits rate paid	2.91%	second quarter of 2026	—

Loan reserve release	$662M	second quarter of 2026	—
Net charge-off rate	4.71%	Q2 2026	—
Net charge-offs	$3.6B	second quarter of 2026	—

Net interest margin	8.01%	second quarter of 2026	—

Operating efficiency ratio	46.57%	second quarter of 2026	—

Period-end loans held for investment	$457.2B	as of June 30, 2026	—
Period-end total deposits	$484.3B	as of June 30, 2026	—
Pre-provision earnings non-GAAP	$6.8B	second quarter of 2026	—

Return on tangible assets non-GAAP	1.89%	Q2 2026	—

Return on tangible common equity non-GAAP	18.04%	Q2 2026	—

Risk-weighted assets	$516.27B	June 30, 2026	—
Tangible assets (period-end) non-GAAP	$630B	Q2 2026	—
Tangible book value per common share non-GAAP	$105.21	Q2 2026	—

Tangible common equity (period-end) non-GAAP	$64.55B	Q2 2026	—
TCE ratio non-GAAP	10.2%	Q2 2026	—

Tier 1 capital	14.8%	June 30, 2026	—
Tier 1 leverage	11.8%	June 30, 2026	—
Total capital	16.6%	June 30, 2026	—
Total nonperforming assets	0.43%	Q2 2026	—

Average yield on loans outstanding(1)	17.17%	Q1 2026	—
Employees (period-end, in thousands)	77.1K	Q1 2026	—
Loan reserve build	$230M	Q1 2026	—

Net charge-off rate(3)	5.05%	Q1 2026	—
Nonperforming loan rate(5)	0.01%	Q1 2026	—
Personal loans	0.13%	Q1 2026	—
Purchase volume(10)	$220.54B	Q1 2026	—
Return on average tangible assets non-GAAP	1.37%	Q1 2026	—
Return on average tangible common equity non-GAAP	12.2%	Q1 2026	—
Tangible common equity non-GAAP	10.3%	Q1 2026	—
Total loans held for investment	$447.75B	Q1 2026	—
Total net charge-offs	3.45%	Q1 2026	—
Total net revenue margin(9)	16.81%	Q1 2026	—
Total nonperforming loans	0.4%	Q1 2026	—
Adjusted net interest margin non-GAAP	7.88%	FY 2025	—

Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period

Versus peers

Credit Services — same industry group

Open screener →

Company	Mkt cap	YTD	Rev growth Y/Y	P/E	Short % shares
COF Capital One Financial Corp this stock	$135.60B	-10.8%	+36.6%	—	1.7%
V Visa Inc.	$682.38B	+9.0%	-4.9%	—	1.2%
MA Mastercard Inc	$522.37B	+5.1%	+16.4%	32.8	1.0%
AXP American Express Co	$226.90B	-8.8%	+13.4%	20.4	1.8%
PYPL PayPal Holdings, Inc.	$54.41B	+5.7%	+4.3%	11.6	4.5%

Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

At a glance

key data from every section

Ownership

Institutional Holders Accumulating

Holders

2,106

% held: 87.7%
Net QoQ: +66.0M sh
Top holder: BlackRock, Inc.

Held Float

View

Held by Funds

Fund positions

1,111

View

Short & Settlement

Short Interest Falling

Shares short

10.7M

Days to cover: 2.3d
Change: -2.1M sh

View

Short Volume

Short vol %

38%

As of: Aug 24, 2026

Short Total

View

Fails to Deliver

FTD shares

Value: $7.8K
As of: Jul 31, 2026

View

Off-Exchange

Off-exchange %

48.6%

Week of: Jul 20, 2026

Off-exch Lit

View

Smart Money

Insider Trades Net selling

Net (90d)

-$1.9M

Buyers / Sellers: 0 / 2

Buyers Sellers

View

Congressional Trades Buy

Member

Alan Armstrong

Amount: $1.0K–$15.0K
Traded: Mar 27, 2026

View

Financials

Revenue (FY)

$53.4B

Net income (FY): $2.5B
EPS diluted: $4.03

View

Buybacks

Authorized

$16.0B

View

Filings

SEC Filings

Latest

8-K

Filed: Aug 20, 2026
This year: 25

View

Proposed Sales

Value

$494.6K

Shares: 2.2K
Filed: Aug 17, 2026

View

Earnings & Events

Earnings Calls

Last call

Jul 21, 2026

View

Performance

	5D	20D	120D	MTD	YTD
COF	-2.3%	+4.5%	+11.6%	+3.5%	-10.8%
SPY	-1.2%	+3.3%	+12.2%	+2.2%	+12.0%
vs SPY	-1.2%	+1.2%	-0.6%	+1.3%	-22.7%

Capital returns

Latest dividend

$0.80 / share · ex Aug 17, 2026

Raised 33.3%

Paid (TTM)

$3.20 / share · 4 payouts

Dividend yield (TTM, derived)

1.48%

Buyback program · as of Oct 20, 2025

Authorized

$16.00B

Spent (derived)

—

Remaining

—

Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.

Key facts CIK 927628 CUSIP 14040H105 13F (30d) 1592 filings 1526 filers Visit website Investor relations

COF · Capital One Financial Corp

Price & Indicators

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AI Brief

Equibles Research

Equibles Rating

Guidance & track record

Technicals

Key metrics

Versus peers

At a glance

Performance

Capital returns