Stocktoria
CAPITAL ONE FINANCIAL CORP COF
CAPITAL ONE FINANCIAL CORP (COF) earns a Piotroski F-score of 4/9 (mixed financial health). It pays a dividend yielding 1.21% (safety: stretched). FY2025 revenue was $53.4B at a 4.6% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Recent analyst actions
| Date | Firm | Rating |
|---|---|---|
| 2026-08-03 | UBS | Buy (main) |
| 2026-07-28 | Citigroup | Buy (main) |
| 2026-07-28 | Evercore ISI Group | Outperform (main) |
| 2026-07-22 | Barclays | Overweight (main) |
| 2026-07-13 | JP Morgan | Overweight (main) |
| 2026-07-13 | HSBC | Buy (up) |
Wall Street analyst consensus — a sentiment gauge, not our scoring.
Forward estimates · earnings calendar →
Consensus analyst estimates and scheduled dates — forward-looking, may change.
Smart money · insiders, last 12 months
Open-market insider purchases minus sells (SEC Form 4) — real buying with their own money is a bullish “smart money” signal; grants and option exercises are excluded.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 4/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| COF | CAPITAL ONE FINANCIAL CORP | 4/9 | — | 51.2 | +36.6% |
| USB | US BANCORP DE | 6/9 | — | 12.1 | +4.4% |
| PNC | PNC FINANCIAL SERVICES GROUP, INC. | 4/9 | — | — | +7.2% |
| C | CITIGROUP INC | 3/9 | — | 17 | +5.6% |
| KEY | KEYCORP /NEW/ | 6/9 | — | 13.7 | +62.7% |
| FHN | FIRST HORIZON CORP | 5/9 | — | 12.4 | +7.2% |
| WBS | WEBSTER FINANCIAL CORP | 7/9 | — | 12.1 | +11.9% |
All Finance, Insurance & Real Estate companies →
About CAPITAL ONE FINANCIAL CORP
Capital One Financial Corporation operates as the financial services holding company for the Capital One, National Association, which engages in the provision of various financial products and services in the United States, Canada, and the United Kingdom. It operates through three segments: Credit Card, Consumer Banking, and Commercial Banking. The company accepts checking accounts, money market deposits, negotiable order of withdrawals, savings deposits, time deposits, and sweep accounts. Its loan products include credit card and personal loans; auto and retail banking loans; and commercial and multifamily real estate, and commercial and industrial loans. The company offers credit and debit card products; bank lending; and provides advisory, capital markets, net interchange, treasury management, and depository services. It serves consumers, small businesses, and commercial clients through digital channels, branches, cafés, and other distribution channels located in New York, Louisiana, Texas, Maryland, Virginia, New Jersey, and the District of Columbia. Capital One Financial Corporation was founded in 1988 and is headquartered in McLean, Virginia.
FAQ
Is COF financially healthy?
CAPITAL ONE FINANCIAL CORP's Piotroski F-score is 4/9 (8–9 is excellent, 0–3 weak).
Does COF pay a dividend, and is it safe?
Yes. CAPITAL ONE FINANCIAL CORP pays a dividend yielding about 1.21% with a 61.8% payout ratio, rated “stretched” for safety.
How profitable is COF?
In FY2025, CAPITAL ONE FINANCIAL CORP had a net margin of 4.6% and a return on equity of 2.2%.
Is COF overvalued or undervalued?
CAPITAL ONE FINANCIAL CORP trades at about 55.2× trailing earnings — above its 10-year norm (10-year range 5.4×–54.3×, median 12.7×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for COF?
The average Wall-Street price target for CAPITAL ONE FINANCIAL CORP is $256.50, about 15.3% above the recent price, from 22 analysts (consensus: buy).
Is COF a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on CAPITAL ONE FINANCIAL CORP: a Piotroski F-score of 4/9, a P/E of about 51.2×, a dividend yield of 1.21%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.