Capital One Financial Corporation (COF) fair value analysis

S&P 500 · Updated 2026-09-07

Capital One Financial Corporation is a bank holding company that provides consumer and commercial banking services, including credit cards, auto loans, home loans, and deposit products. The company operates primarily in the United States through its various banking subsidiaries and digital platforms.

Forward Fair Value verdict

Fairly valued

Based on TickrTrends' weekly Forward Fair Value model, COF is trading at within about 10% of estimated fair value.

COF currently ranks #38 of 165 Financial Services stocks by discount to Forward Fair Value. It has screened as Fairly valued for 2 consecutive weekly runs.

Last price: $219.60
Sector: Financial Services
12-month range: $184.50–$247.93

Derived indicators

Coarse bands from TickrTrends' weekly models; exact figures are part of the full report.

Quality grade: C
Leverage: Low
Margin trend: Contracting
Revenue growth: High
RSI zone: Neutral
52-week position: The upper-middle quarter of its range
DCF cross-check: Undervalued

What our data shows for COF

Our model validated 15 trailing price-to-earnings windows for COF, built from quarterly earnings records.
Shares are trading in the middle of their 12-month price range of $184.50–$247.93.
The 14-day relative strength index sits at a neutral 51.

The exact numbers are one step away

The precise Forward Fair Value dollar figure for COF
Exact discount / premium to today's price
The normalized historical P/E behind the estimate, and how many quarters support it
Forward EPS input and fiscal-year basis
Screeners and rankings across the full S&P 500 and Nasdaq universes

See the exact fair value →

How Forward Fair Value works

TickrTrends computes a Forward Fair Value for every covered stock each week: a conservatively normalized historical price-to-earnings multiple is applied to the analyst-consensus earnings estimate for the next full fiscal year. Every input window is validated for continuity and every result is screened for plausibility before publication.

Recent COF news

TickrTrends' derived news-sentiment signal for COF is currently leaning positive, computed from recent coverage.

COF Looks 19.0% Overvalued on GF Value™ as Insider Selling Persists (gurufocus.com, 2026-09-02)
TickrTrends take: Capital One Financial Corporation is rated as fairly valued by TickrTrends while facing a separate assessment from Guru Focus that indicates the stock appears overvalued. The persistence of insider selling activity represents a signal that warrants monitoring, as such transactions can reflect management's perspective on current valuation levels and future prospects.
Capital One: Resilient Consumer Trends Make Shares Attractive (NYSE:COF) (seekingalpha.com, 2026-09-02)
TickrTrends take: Capital One operates in the Financial Services sector and TickrTrends currently assesses the stock as fairly valued, suggesting the market price reflects its underlying fundamentals without significant upside or downside cushion. An investor focused on valuation metrics should monitor whether resilient consumer trends translate into sustained earnings growth that could either justify the current price or signal potential undervaluation if results exceed expectations. Given the fair valuation assessment, any material changes to consumer credit conditions or Capital One's loan portfolio performance would be key factors to watch for shifts in the valuation outlook.
Why Capital One (COF) Could See Both Earnings Growth and Multiple Expansion? (finance.yahoo.com, 2026-08-20)
TickrTrends take: Capital One operates in the Financial Services sector where valuation multiples can shift based on interest rate expectations and credit quality trends. According to TickrTrends' current assessment, COF is fairly valued, which suggests the market has already priced in baseline expectations for the company's financial performance. A valuation-focused reader should monitor whether actual earnings growth materializes in line with or exceeds current market expectations, as this would be the primary driver for multiple expansion from the fairly valued baseline.

What people are saying

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TickrTrends weekly updates

2026-09-07 — No material change this week: the verdict, bands and grades all held steady.
2026-09-06 — TickrTrends' derived indicators for COF showed notable shifts this week. The momentum indicator changed from a C rating to none, while the valuation verdict moved from Undervalued to Fairly valued. COF currently trades in the Financial Services sector and is assessed as Fairly valued based on this week's analysis.
2026-08-31 — TickrTrends initiated weekly Forward Fair Value coverage of this stock.

Frequently asked questions

Is COF stock undervalued?

Based on TickrTrends' Forward Fair Value model (updated 2026-09-07), COF is trading at within about 10% of estimated fair value and screens as fairly valued. The exact fair value and discount are available to subscribers.

What is COF's TickrTrends verdict?

COF's current verdict is Fairly valued, refreshed with every weekly Forward Fair Value run.

How does COF compare to other Financial Services stocks?

COF ranks #38 of 165 Financial Services stocks in TickrTrends' coverage when sorted by discount to Forward Fair Value.

Is COF overbought or oversold?

COF's 14-day RSI is in neutral territory - neither overbought nor oversold.

All Financial Services fair-value coverage →

Head-to-head comparisons

COF vs AMP · COF vs BLK · COF vs CACC · COF vs CBOE · COF vs EG