Capital One Financial Corporation (COF)

FairStock Score: 69/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

As a value investor, I start with the business and the price. Capital One is a large consumer lender—credit cards, consumer banking, and commercial banking—with 78,400 employees. It is not a wide-moat franchise in the classic sense; banking is competitive and regulated, and the provided FairStock figures show modest returns: ROE 9.03% and ROCE 1.52%. The long-term record is uneven. In fiscal year 2025, the year ended 2025-12-31, filed results show revenue of $8.1B, net income of $2.5B, and diluted EPS of $4.03. That was down from fiscal year 2024, the year ended 2024-12-31, when net income was $4.8B and EPS was $11.59, and fiscal year 2023, the year ended 2023-12-31, when net income was $4.9B and EPS was $11.95. FairStock's Lynch category calls it a slow grower with shrinking profits—down 2.0% a year over five years—though revenue grew 16.6%. The recent quarter was much better: in fiscal Q2 2026, the quarter ended 2026-06-30, the filed 10-Q showed net income of $3.0B and diluted EPS of $4.73, versus a net loss of $4.3B and EPS of -$8.58 in fiscal Q2 2025, the quarter ended 2025-06-30. At the 2026-10-13 close of $198.07, FairStock calculates P/E 12.72, P/B 1.18, dividend yield 1.62%, FCF yield 24.4%, Graham Number $254.92 with a 22.3% margin of safety, Piotroski 7/9, Altman Z 0.30, and PEG 0.07. Price looks cheap on several measures, but the low Altman Z, low ROCE, and volatile earnings argue for caution. I want to see if the latest quarter is durable or just a rebound.

In plain English: Capital One is a financial company that makes money from credit cards, consumer banking, and commercial banking. Its latest filed quarter, the quarter ended 2026-06-30, showed a big profit rebound, but annual results over the past few years have been uneven and long-term profit has shrunk. At the 2026-10-13 close of $198.07, the stock looks inexpensive against several FairStock valuation measures, though the risks are real.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer