CAPITAL ONE FINANCIAL CORP · Banks

COF

Moderate riskNext report: Around Jan 21, 2027 (est.)

View price ↗

The short version

A profitable company with growing sales.

Going well

Sales up 27% in the latest quarter vs a year ago
Profitable every year for 10 years
Sales up 37% last year

Watch out for

Share count growing 11.3% a year (dilution)
1 offering filing in 6 months (may sell new shares)

Money moves

Insiders sold $1.4M in the last 30 days, all through pre-planned sales
Institutions added 1.8% to their holdings in the quarter ending June 2026 (1005 bought, 914 sold)
Held by George Soros (Soros Fund), Dan Loeb (Third Point), Warren Buffett (Berkshire Hathaway) and 1 more famous investor

Facts from SEC filings, not a recommendation.

What the price means

Price as of Oct 26

$202.35+0.5% that day

Company value: $124.1B; Share price times all shares
Price vs profit (P/E): 12.1x; You pay about $12 for each $1 of yearly profit
Price vs sales: 2.0x; Company value is 2.0 times a year of sales
Cash vs value: 45%; A big cushion: cash is a large part of what the company is worth
Debt vs value: 40%; Debt as a share of company value

From COF's last IEX trade and its SEC filings (profits and sales over the last four quarters). A starting point for research, not a verdict.

The business over time

Last 12 quarters, from SEC filings

Sales, Jun '26

$15.8B+27% vs a year earlier

Sep '23Tap a barJun '26

Last 12 months: $62.0B, up 45% from the 12 months before. Over 5 years, sales grew about 13% a year.

What the price assumes

Your guesses, our math

Move the sliders to your own view of COF. Starting points are the company's recent numbers.

Sales growth+30% a yearRecently: +45% a yearProfit margin17%Last 12 months: 17.0%P/E at the end12xToday: 12.1x. Many steady companies trade at 12x to 25xShare count change+10% a yearBelow zero means buybacks; above zero means new shares (dilution)

Sales in 5 years$230.3B

Profit in 5 years$39.1B

Price these guesses point to$475.48+135% vs $202.35 todayAbout +19% a year, before dividends

What today's price needs: with a 17% margin and a 12x P/E, sales would have to grow about 9.6% a year for 5 years just to match today's price.

Simple math on your guesses, not a forecast or a price target. Real results depend on many things these sliders leave out.

Price

Price chart by TradingView.

Business quality

The checklist Warren Buffett-style investors use. Annual numbers for 2025.

3/6Mixed

MissReturn on equity 15%+Earns a lot on the money owners have in the business.2.8%
PassDebt under half of equityNot relying on borrowed money.0.44x equity
MissNet margin 10%+Keeps at least 10 cents of profit from each dollar of sales.4.6%
PassProfitable every yearSteady profits, not one good year.10 of 10 years
PassFree cash flow positiveBrings in more cash than it spends to run and grow.$26.1B
MissShare count not growingNot diluting owners. Falling means buybacks.+37.7% in 3 years

Revenue: $53.4B; +36.6% vs prior year
5-year growth: +13.4%/yr; revenue, per year
Total debt: $49.9B; 0.44x equity
Free cash flow: $26.1B; 48.9% of revenue

From annual reports filed with the SEC. Gross margin doesn't apply to banks and insurers, so it isn't scored. A checklist is a starting point for research, not a verdict.

Latest quarter

New results, as stated in the press release

Reported Oct 20After close4:05 pm ET

Revenue: $16.3B; -2.0% YoY

Revenue and EPS as the company states them. Margins, cash flow and share count fill in with the 10-Q.

Insider rating

Last 90 days

45Mixed

Pre-planned sales of $1.4M (weaker signal)

50 is neutral. Buying by more insiders, top executives and bigger stakes raises it. Selling lowers it; pre-planned sales count less.

Weekly insider trend

13 weeks agoBoughtSoldThis week

Filing buzz

Last 7 days vs normal

0/ 100

This week: 1
Normal week: 3.8
vs normal: 0.3x

SEC filings of any kind. 50 means a normal week.

Institutional ownership

Steady+1.8%

Institutions added 1.8% to their holdings. 1005 bought, 914 sold.

Shares held by institutions537.9M

Sep '24Jun '26

Safety check

From SEC filings

Share count growthYearly rate, last 3 years

+17.1%

Cash runwayAt last year's cash burn

Cash flow positive

Debt to equityLatest balance sheet: debt compared with what owners have

0.4x · $44.7B debt

Shares outstandingLatest reported

613M

Why moderate risk

Share count growing 17.1% a year (dilution)
1 offering filing in 6 months (may sell new shares)

Earnings reports

Last 12

Next reportAround Jan 21, 2027 (est.)Estimated from the same quarter last year

Results filedOct 20
Results filedJul 21
Results filedApr 21
Results filedJan 22
Results filedOct 21, 2025

Flags and big holders

Offerings 6 months, flags 12 months, holders 90 days

Offering prospectusSep 8 · View filing ↗Offering

Insider trades

Open-market buys and sells, last 90 days

Bought$00 insiders

Sold$1.4M3 insiders, 3 pre-planned

Insider	Trade	Shares	Avg price	Value	Owns after	Date
Celia KaramPres, Retail Bank	Sell	2K	$195.86	$377K	56K	Oct 15Filing ↗
-3.3% of their holdings Pre-planned sale (10b5-1) Filed 4 days after
Lia DeanPres, Banking & Prem. Products	Sell	2K	$195.86	$370K	59K	Oct 15Filing ↗
-3.1% of their holdings Pre-planned sale (10b5-1) Filed 4 days after
Matthew W CooperGeneral Counsel & Corp Secy	Sell	4K	$196.22	$687K	80K	Oct 6Filing ↗
-4.2% of their holdings Pre-planned sale (10b5-1) Filed 1 day after