Capital One (COF)
Credit-card bank operating Discover payment networks and Brex business-finance software.
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Earns interest and fees from consumer and small-business credit cards, deposits, auto and commercial lending, and the Discover, PULSE, and Diners Club payment networks. Credit cards anchor the franchise, while Brex extends it into corporate cards, expense management, and business payments.
Issues consumer and small-business credit cards and personal loans through its Credit Card segment, with domestic cards at the center and additional card operations in the United Kingdom and Canada. Consumer Banking gathers deposits, finances autos, and houses the Discover, PULSE, and Diners Club Global Payment Network; Commercial Banking provides lending, deposits, capital markets, and treasury management.
Adds corporate cards, expense-management software, and real-time business payments through the recently acquired Brex. Digital channels, credit underwriting, data analytics, marketing, and a broad deposit base support lending and payments across a predominantly U.S. franchise, while the payment networks operate globally.
Earnings depend on consumer credit performance, deposit funding, and interest rates, while banking, card, privacy, data-security, and payment-network regulation governs the operating model. Discover and Brex remain active integration programs.
Company facts
Target rangeAs of Sep 21, 2026
Latest analyst notes
| Date | Firm | Action | Prior | Current |
|---|---|---|---|---|
| Aug 25, 2026 | Wolfe Research | Reiterate | Rating: —Target: $270 | Target: $275 |
| Aug 20, 2026 | Deutsche Bank | Target | Target: $256 | Target: $245 |
| Aug 3, 2026 | UBS | Reiterate | Rating: —Target: $266 | Target: $280 |
| Jul 22, 2026 | Barclays | Reiterate | Rating: —Target: $242 | Target: $240 |
| Jul 13, 2026 | HSBC | Upgrade |
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $56.74B · Total debt $45.37B · Total assets $673.84B · Shareholders' equity $113.79B
- Revenue
- $19.86B
- Operating income
- $7.34B
- Net income
- $3.02B
HistoryDividendAnnual yield
| Institutions | 88.25% | 541.40M shares | |
|---|---|---|---|
| 2,212 holders · as of Jun 30, 2026 | |||
| Insiders | 0.19% | 1.19M shares | |
| 29 holders · as of Sep 16, 2026 | |||
| Other | 11.56% | 70.89M shares | |
| remainder | |||
613.48M company shares as of Sep 22, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
BlackRock, Inc.Institution | 8.32% | 51.05M | as of Jun 30, 2026 |
Vanguard Capital Management LLCInstitution | 6.63% | 40.65M | as of Jun 30, 2026 |
State Street CorpInstitution | 4.53% | 27.80M | as of Jun 30, 2026 |
JPMorgan Chase & CoInstitution | 2.90% | 17.79M | as of Jun 30, 2026 |
Geode Capital Management, LLCInstitution | 2.34% | 14.36M | as of Jun 30, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Sep 15, 2026 | Lia Dean | officer: Pres, Banking & Prem. Products | −2,066 | $206.07 |
| Sep 15, 2026 | Celia Karam | officer: Pres, Retail Bank | −2,017 | $206.07 |
| Sep 1, 2026 | Matthew W. Cooper | officer: General Counsel & Corp Secy | −3,500 | $214.10 |
| Aug 17, 2026 | Celia Karam | officer: Pres, Retail Bank | −1,888 | $225.52 |
| Aug 17, 2026 | Lia Dean | officer: Pres, Banking & Prem. Products | −2,193 | $225.52 |
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- Visa
Dominant global payment network competing with Discover network on routing.
- Mastercard
Second-largest global network competing for volume COF now routes via Discover.
Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Capital One | $201.26 | −1.79% | $125.72B | 12.7 | 9.3 | 1.6 | +26.0% |
| JPMorgan Chase | $340.02 | −3.41% | $943.29B | 15.2 | 14.1 | 3.2 | +27.8% |
| American Express | $307.02 | −2.10% | $211.77B | 19.0 | 16.4 | 2.5 | +10.0% |
| Citi | $132.06 | −2.21% | $231.60B | 14.6 | 11.4 | 1.3 | +14.3% |
| Bank of America | $56.33 | −2.82% | $411.32B | 13.4 | 11.5 | 2.1 | +19.3% |
| Synchrony Financial | $73.52 | −1.97% | $24.40B | 7.7 | 7.7 | 1.3 | −21.1% |
| Ally Financial | $39.40 | −1.23% | $12.13B | 9.4 | 6.6 | 0.8 | −0.3% |
| Visa | $362.82 | −1.93% | $690.71B | 31.5 | 25.1 | 15.5 | +14.4% |
| Mastercard | $558.56 | −1.60% | $497.85B | 31.2 | 26.3 | 14.2 | +14.1% |
| Median | 14.9 | 12.8 | 2.3 | +14.2% |