Capital One Financial (COF)
Financials · NYSE · US
Price as at 12 Aug 2026, 06:28 UTC. Quotes are delayed.
Fundamentals
Valuation and ratings
Capital One Financial trades at $219.15, which is 21% above the $173.50 our fair value estimate puts on the business. On that measure it screens as expensive, which is not the same as saying it will fall.
Our moat model scores it 33 out of 100, which is little in the way of a moat. A moat is a structural reason competitors cannot take the profits away, and it matters more to a long holding period than any single quarter's numbers do.
It changes hands at 62.2 times earnings. Be careful reading that in isolation: for a cyclical business a low P/E arrives at the top of the cycle, when profits are peaking and about to fall, which is exactly when the shares look cheapest and are not.
COF dividend history
Dividends per share by year
| Year | Total per share | Payments |
|---|---|---|
| 2026 (year to date) | $2.40 | 3 |
| 2025 | $2.60 | 4 |
| 2024 | $2.40 | 4 |
| 2023 | $2.40 | 4 |
| 2022 | $2.40 | 4 |
| 2021 | $2.60 | 4 |
| 2020 | $1.00 | 4 |
| 2019 | $1.60 | 4 |
| 2018 | $1.60 | 4 |
| 2017 | $1.60 | 4 |
| 2016 | $1.60 | 4 |
Split-adjusted amounts in the listing currency, grouped by the calendar year of the ex-dividend date, from the filed record. Growth and streak figures compare complete years only.
COF earnings and analyst estimates
Recommendation mix, 24 published ratings
Estimates are the published analyst consensus and move often. An earnings date is scheduled, not certain, and a share tends to reprice most violently on the day itself.
About Capital One Financial
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.
Company profile, industry and headcount are as reported by our data provider and can lag a company's own filings by a reporting period. The annual report is the authority.
COF passes 1 of our 30 screens today
Each screen prints the exact criteria it used, and the circumstances in which it is wrong.
Super investor ownership
36 of the funds we track reported a position in their latest SEC 13F filing. Largest first:
- Bill Nygren, HARRIS ASSOCIATES L P$2.31B · 3.1% of book
- Dodge & Cox, DODGE & COX$1.83B · 1.0% of book
- Christopher Davis, DAVIS SELECTED ADVISERS$1.66B · 7.1% of book
- Boykin Curry, EAGLE CAPITAL MANAGEMENT LLC$1.28B · 3.9% of book
- Cliff Asness, AQR CAPITAL MANAGEMENT LLC$1.06B · 0.4% of book
A word of warning on reading these figures: a 13F reports the market value of a holding, so a fund that traded nothing at all still appears to have sold when the price fell. We found 102 companies where the standard reading gives the opposite answer. Only the share count is honest.
Common questions
Is Capital One Financial (COF) undervalued?
Against our fair value estimate of $173.50, COF at $219.15 is 21% above fair value. That is one model's answer, not a recommendation. It is built from normalized earning power with growth capped deliberately low, which understates companies whose value is mostly future growth.
Which funds own COF?
36 of the institutions we track reported a position in COF in their most recent SEC 13F filing. A 13F is filed up to 45 days after quarter end, so it tells you what a fund held then, not what it holds now.
What is COF's P/E ratio?
COF trades at 62.2 times earnings. A low P/E is not automatically cheap: on a cyclical company it is usually a warning that earnings are at a peak.
Does Capital One Financial (COF) pay a dividend?
Yes. Capital One Financial yields 1.59% at the current share price. It has paid $3.20 per share over the trailing twelve months. It has paid a dividend in each of the last 31 complete calendar years. A dividend is declared by the board and can be cut at any time; a yield is a fact about the current price, not a promise.
Where does SteadyShares get its COF data?
Fundamentals for COF come from company filings and exchange data, as listed on NYSE; institutional ownership comes from SEC 13F filings. The share price shown was last refreshed on 12 Aug 2026, 06:28 UTC and is delayed. Metrics we do not hold are left out of the page rather than estimated.
The full research page for COF, with financial statements, ownership detail, peer comparison and alerts, is free inside the app.
Data from company filings, exchange quotes and SEC EDGAR 13F disclosures. Quotes are delayed. Metrics we do not have are left out rather than estimated. Educational information, not financial advice.