COF · Capital One Financial Corp
Price & Indicators
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AI Brief
TL;DR.
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
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our published analysis of this company
Equibles Rating
blended score · not investment adviceBlended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders BuyIllustrative 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 |
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| Adjusted efficiency ratio non-GAAP | 51.38% | Q2 2026 | — |
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| Adjusted operating efficiency ratio non-GAAP | 40.88% | Q2 2026 | — |
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| Common equity Tier 1 capital ratio | 13.7% | Q2 2026 | — |
| Efficiency ratio | 57.05% | Q2 2026 | — |
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| Net interest margin | 8.01% | Q2 2026 | — |
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| Operating efficiency ratio | 46.57% | Q2 2026 | — |
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| Net charge-offs | $3.8B | first quarter of 2026 | — |
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| Pre-provision earnings non-GAAP | $6.8B | first quarter of 2026 | — |
| Adjusted net interest margin non-GAAP | 7.88% | FY 2025 | — |
| Auto average loans | 82.8B | Q4 2025 | — |
| Auto period-end loans | 83.6B | Q4 2025 | — |
| Average loans held for investment | 444.7B | Q4 2025 | — |
| Commercial Banking average loans | 88.5B | Q4 2025 | — |
| Commercial Banking period-end loans | 89.3B | Q4 2025 | — |
| Consumer Banking period-end loans | 84.8B | Q4 2025 | — |
| Credit Card average loans | 272.2B | Q4 2025 | — |
| Credit Card period-end loans | 279.6B | Q4 2025 | — |
| Domestic Card average loans | 255.2B | Q4 2025 | — |
| Domestic Card period-end loans | 262.4B | Q4 2025 | — |
| Interest-bearing deposits rate paid | 3.16% | Q4 2025 | — |
| Loan reserve build | 302M | Q4 2025 | — |
| Period-end loans held for investment | 453.6B | Q4 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| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
COF
this stock
Capital One Financial Corp
|
$141.47B | -6.2% | +36.6% | — | 1.7% |
|
V
Visa Inc.
|
$649.80B | +3.8% | -4.9% | — | 1.2% |
|
MA
Mastercard Inc
|
$498.70B | -0.3% | +16.4% | 31.3 | 1.0% |
|
AXP
American Express Co
|
$231.28B | -7.4% | +13.4% | 20.8 | 1.8% |
|
PYPL
PayPal Holdings, Inc.
|
$54.39B | +5.6% | +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 sectionPerformance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| COF | +4.4% | +9.3% | +19.7% | +8.8% | -6.2% |
| SPY | +0.4% | +4.5% | +13.8% | +3.9% | +13.9% |
| vs SPY | +4.0% | +4.8% | +5.9% | +4.9% | -20.1% |
Capital returns
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.