Capital One Financial Corporation Website

Capital One Financial Corporation

NYSE-COF

Company Overview

Capital One Financial Corporation operates as the financial services holding company for the Capital One Bank (USA), National Association; and Capital One, National Association, which provides 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, and time deposits. Its loan products include credit card loans; auto and retail banking loans; and commercial and multifamily real estate, and commercial and industrial loans. The company also offers credit and debit card products; online direct banking services; and 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 California. Capital One Financial Corporation was founded in 1988 and is headquartered in McLean, Virginia.

  • Name

    Capital One Financial Corporation

  • CEO

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  • Website

    www.capitalone.com

  • Sector

    Consumer Finance

  • Year Founded

    1988

Company Statistics

Profile

  • Market Cap

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  • EV

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  • Shares Out

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  • Revenue

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  • Employees

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Margins

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  • EBITDA

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  • Operating

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Returns (5Yr Avg)

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Valuation (TTM)

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  • EV/EBITDA

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  • P/FCF

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Valuation (NTM)

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  • EV/EBITDA

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Financial Health

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Growth (CAGR)

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Dividends

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  • DPS Growth 10Yr

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  • DPS Growth Fwd 2Yr

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Bulls Say

  • Capital One's credit card portfolio is enjoying solid growth despite high interest rates, providing a boost to the company's net interest margins and revenue growth.

  • The acquisition of Discover gives Capital One access to its own payment and ATM networks, valuable strategic assets.

  • Capital One has expanded its card product offerings as the bank leans into the commercial and luxury travel card spaces.

Bears Say

  • Credit card reward spending continues to rise industrywide, and competition for credit card holders remains intense. This will likely lead to higher spending for Capital One and could threaten returns on its credit cards.

  • Capital One is exposed to a significant amount of subprime lending through its credit card and auto loan segments in a period of high credit costs.

  • Capital One competes with online banks for deposits. This competition pushes its interest costs up as the bank must offer competitive rates.

Source: Morningstar Analysis - Oct 21, 2025
NYSE:COF