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Capital One Financial
COFFinancialsGenerated Aug 19, 2026, 11:15 PM UTC
COF (Capital One Financial) analytical snapshot. Revenue grew +36.6% YoY to $53.43B. Net margin at 4.59% (contracting ▼). Return on equity 2.16%, ROA 0.37%, ROIC 1.84%. Market cap $137.36B at $220.73 per share. Trailing P/E 54.77, P/S 2.57, P/B 1.22. EV/Operating income ≈ 48.84 (EV $101.98B). Risk: Moderate. Macro: Risk-on · Supportive. Composite analytical score 21 (data confidence 81%). Descriptive analytics from public filings — not investment advice.
Free SEC analysis
— computed from SEC filings, free to readFilings & Ownership
Latest annual report (10-K) filed Feb 19, 2026. Latest quarterly report (10-Q) filed Jul 28, 2026. 16 recent 8-K material-event filings in the index.
- Latest annual report (10-K) filed Feb 19, 2026.
- Latest quarterly report (10-Q) filed Jul 28, 2026.
- 16 recent 8-K material-event filings in the index.
- Recent insider Form 4s: 0 buy vs 0 sell transactions.
- ~10,000+ recent 13F-HR filings reference Capital One Financial; broad institutional reporting.
- Recent filers include KBW ASSET MANAGEMENT INC, KBW ASSET MANAGEMENT INC, KBW ASSET MANAGEMENT INC.
- 1 recent 13D activist/beneficial-ownership filings — potential catalyst.
- 19 recent 13G passive institutional ownership notices.
| Filer | Form | Filed |
|---|---|---|
| KBW ASSET MANAGEMENT INC | 13F-HR | Feb 13, 2001 |
| KBW ASSET MANAGEMENT INC | 13F-HR | Mar 16, 2001 |
| KBW ASSET MANAGEMENT INC | 13F-HR | Apr 19, 2001 |
| CTC Fund Management LLC | 13F-HR | May 15, 2012 |
| KBW ASSET MANAGEMENT INC | 13F-HR | Nov 5, 2001 |
| Date | Form | Description |
|---|---|---|
| Aug 17, 2026 | 8-K | 8-K |
| Jul 21, 2026 | 8-K | 8-K |
| Jul 21, 2026 | 8-K | 8-K |
| Jun 15, 2026 | 8-K | 8-K |
| Jun 9, 2026 | 8-K | 8-K |
| Jun 8, 2026 | 8-K | 8-K |
| May 15, 2026 | 8-K | 8-K |
| May 8, 2026 | 8-K | 8-K |
SEC Filing Deep-Analysis
2 risk signal(s), 1 positive signal(s) detected from XBRL filing diff analysis. 2 risk signal(s) detected versus 1 positive signal(s). The balance of evidence suggests elevated filing-specific risk that warrants monitoring in subsequent filings.
- NEW: Material weakness in internal controls in latest filing: The term "material weakness" "internal control" appears in recent 10-K/10-Q filings but was NOT present in the prior 24-month period. This is a new risk disclosure that warrants attention. Found in 4 filing(s).
- Restatement of financial statements: The term "restatement of" "previously issued" appears in 3 recent filing(s) (vs 1 in the prior period). This risk language is ongoing.
- Operating cash flow exceeds net income: OCF is 11.30x net income, indicating high earnings quality — cash conversion is strong and accruals are not inflating reported profits.
- Endogenous analysis: 2 risk signal(s) detected versus 1 positive signal(s). The balance of evidence suggests elevated filing-specific risk that warrants monitoring in subsequent filings.
- 20 new XBRL disclosure(s) in latest filing — expanding reporting scope.
- 20 disclosure(s) dropped from prior year — reduced reporting granularity.
- 1 new risk-language term(s) detected in filing text: Material weakness in internal controls.
- Ongoing high-severity risk language: Restatement of financial statements.
| Metric | Prior year | Latest year | Change | % Change |
|---|---|---|---|---|
| Revenue | $39.11B | $53.43B | $14.32B | +36.6% |
| Operating income | $4.75B | $2.09B | $-2.66B | -56.0% |
| Net income | $4.75B | $2.45B | $-2.30B | -48.4% |
| Operating cash flow | $18.16B | $27.72B | $9.56B | +52.6% |
| Capex | $1.20B | $1.58B | $374.0M | +31.1% |
| Total assets | $490.14B | $669.01B | $178.87B | +36.5% |
| Total liabilities | $429.36B | $555.39B | $126.03B | +29.4% |
| Long-term debt | $24.44B | $31.38B | $6.94B | +28.4% |
| Cash & equivalents | $43.67B | $62.09B | $18.42B | +42.2% |
| Stockholders equity | $60.78B | $113.62B | $52.83B | +86.9% |
| Interest expense | $4.12B | $12.70B | $8.57B | +208.0% |
| Type | Concepts |
|---|---|
| Added | DebtSecuritiesAvailableForSaleAndHeldToMaturityAmortizedCostAfterAllowanceForCreditLoss, DebtSecuritiesHeldToMaturityAllowanceForCreditLossExcludingAccruedInterest, DebtSecuritiesHeldToMaturityExcludingAccruedInterestBeforeAllowanceForCreditLoss, DebtSecuritiesHeldToMaturityExcludingAccruedInterestNonaccrual, DebtSecuritiesHeldToMaturityMaturityAfter10YearsWeightedAverageYield, DebtSecuritiesHeldToMaturityMaturityAfterFiveThroughTenYearsWeightedAverageYield, DebtSecuritiesHeldToMaturityMaturityAfterOneThroughFiveYearsWeightedAverageYield, DebtSecuritiesHeldToMaturityMaturityWithinOneYearWeightedAverageYield, DebtSecuritiesHeldToMaturityWeightedAverageYield, HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain |
| Removed | AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment, AdjustmentsToAdditionalPaidInCapitalOther, AllocatedShareBasedCompensationExpense, AssetsOfDisposalGroupIncludingDiscontinuedOperation, BusinessCombinationAcquisitionRelatedCosts, Capital, CapitalRequiredForCapitalAdequacyToRiskWeightedAssets, CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets, CapitalToRiskWeightedAssets, CashProvidedByUsedInOperatingActivitiesDiscontinuedOperations |
| Term | Severity | Recent | Prior | Status |
|---|---|---|---|---|
| Material weakness in internal controls | high | 4 | 0 | NEW |
| Restatement of financial statements | high | 3 | 1 | Ongoing |
| Impairment charge | medium | 5 | 2 | Ongoing |
| Restructuring | medium | 5 | 8 | Ongoing |
| Off-balance sheet arrangements | medium | 5 | 8 | Ongoing |
| Related party transactions | low | 5 | 0 | NEW |
Fundamentals
Revenue grew +36.6% YoY to $53.43B. Net margin at 4.59% (contracting ▼). Return on equity 2.16%, ROA 0.37%, ROIC 1.84%.
- Revenue grew +36.6% YoY to $53.43B.
- Net margin at 4.59% (contracting ▼).
- Return on equity 2.16%, ROA 0.37%, ROIC 1.84%.
- Gross margin 0.00%, operating margin 3.91%.
- Free cash flow margin 48.92% ($26.14B).
- Net income down ▼ +48.4% YoY.
- Debt/equity 0.39, current ratio —, net debt -$35.38B.
- Asset turnover 0.08 — capital efficiency.
| FY | Revenue | Rev YoY | Gross% | Op% | Net% | FCF | ROE% |
|---|---|---|---|---|---|---|---|
| 2024 | $39.11B | +6.3% | 0.00 | 12.14 | 12.14 | $16.95B | 7.81 |
| 2025 | $53.43B | +36.6% | 0.00 | 3.91 | 4.59 | $26.14B | 2.16 |
| Quarter end | Revenue | YoY | QoQ | Net margin |
|---|---|---|---|---|
| Jun 30, 2024 | $9.51B | +5.5% | — | 6.28% |
| Sep 30, 2024 | $10.01B | +6.9% | +5.3% | 17.75% |
| Mar 31, 2025 | $10.00B | +6.4% | -0.1% | 14.04% |
| Jun 30, 2025 | $12.49B | +31.4% | +24.9% | -34.24% |
| Sep 30, 2025 | $15.36B | +53.4% | +23.0% | 20.78% |
| Mar 31, 2026 | $15.23B | +52.3% | -0.8% | 14.27% |
Pro analysis — preview
— score, signals & key metrics shown; full reasoning lockedValuation
Market cap $137.36B at $220.73 per share. Trailing P/E 54.77, P/S 2.57, P/B 1.22. EV/Operating income ≈ 48.84 (EV $101.98B).
- Market cap $137.36B at $220.73 per share.
Price & Technicals
Price $220.73 — uptrend (above 200-DMA); 1-month momentum positive. RSI(14) 65.39.
- Price $220.73 — uptrend (above 200-DMA); 1-month momentum positive.
Macro & Rates
Risk-on · Supportive. Real GDP growth 1.50% (quarterly, as of Apr 1, 2026). CPI inflation +3.3% YoY. Fed funds rate 3.63%, 10Y Treasury 4.71%.
- Market regime: Risk-on · Supportive.
Risk Scorecard
Composite risk Moderate. Leverage debt/equity 0.39 (low). Earnings stability: net-margin stdev 8.08pp over 17y.
- Composite risk: Moderate.
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3 sections free · 4 Pro previews · composite 21
Macro exposure
Rate-sensitive · High sensitivityMacro regime: Risk-on · Supportive. Capital One Financial is a rate-sensitive name (high macro sensitivity) — a supportive backdrop, though defensives lag risk-on tapes.
Analytical read
deterministic previewRevenue grew **+36.6%** YoY to $53.43B..
Peer comparison
Rate-sensitive groupHow COF stacks up against tracked peers with similar macro sensitivity — by analytical score and macro exposure.
| Company | Score | Macro |
|---|---|---|
| Allstate Corp. ALL | 30 | Neutral |
| Visa Inc. V | 24 | Neutral |
| CME Group Inc. CME | 23 | Neutral |
| Capital One Financial COF● you | 21 | Neutral |
| Charles Schwab Corp. SCHW | 19 | Neutral |
| American Express Co. AXP | 16 | Neutral |
| Simon Property Group SPG | 15 | Neutral |
| Digital Realty Trust DLR | 13 | Neutral |
| Mastercard Inc. MA | 11 | Neutral |
| U.S. Bancorp USB | 10 | Neutral |
| Travelers Cos. TRV | 10 | Neutral |
| Chubb Ltd. CB | 7 | Neutral |
| MetLife Inc. MET | 7 | Neutral |
| JPMorgan Chase & Co. JPM | 7 | Neutral |
| Welltower Inc. WELL | 6 | Neutral |
| Dominion Energy D | 4 | Neutral |
| Bank of America Corp. BAC | 3 | Neutral |
| Moody's Corp. MCO | 2 | Neutral |
| Wells Fargo & Co. WFC | 1 | Neutral |
| BlackRock Inc. BLK | 1 | Neutral |
| American Tower Corp. AMT | 0 | Neutral |
| American Electric Power AEP | 0 | Neutral |
| Bank of New York Mellon BK | 0 | Neutral |
| Marsh & McLennan MMC | 0 | Neutral |
| Truist Financial TFC | -1 | Neutral |
| PNC Financial Services PNC | -2 | Neutral |
| American Water Works AWK | -2 | Neutral |
| Equinix Inc. EQIX | -4 | Neutral |
| Goldman Sachs Group GS | -4 | Neutral |
| Prologis Inc. PLD | -5 | Neutral |
| Xcel Energy XEL | -5 | Neutral |
| Public Storage PSA | -5 | Neutral |
| Citigroup Inc. C | -5 | Neutral |
| Realty Income Corp. O | -6 | Neutral |
| Equity Residential EQR | -10 | Neutral |
| NextEra Energy NEE | -13 | Neutral |
| Duke Energy Corp. DUK | -14 | Neutral |
| Southern Company SO | -14 | Neutral |
| Exelon Corp. EXC | -14 | Neutral |
| Morgan Stanley MS | -14 | Neutral |
| S&P Global SPGI | -19 | Neutral |
| Crown Castle Inc. CCI | -21 | Neutral |
| American International Group AIG | -23 | Neutral |