Capital One Financial Corporation (COF) fair value analysis
S&P 500 · Updated 2026-10-19
COF price how computed
Forward Fair Value verdict
UndervaluedCOF is trading at a 10–25% discount to estimated fair value.
Based on TickrTrends' weekly Forward Fair Value model.
- Last price
- $199.26
- Sector
- Financial Services
- 12-month range
- $176.10–$257.94
- Market cap
- $122B
- From 52-week high
- -22.7%
- Shares outstanding
- 613M
- Rank in Financial Services by discount to fair value
- #32 of 167
Last price is our 2026-10-19 weekly price; the chart runs through 2026-10-16.
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.
COF currently ranks #32 of 167 Financial Services stocks by discount to fair value. It has screened as Undervalued for 11 consecutive weekly runs.
Fundamentals (4 quarters) how computed
- Market cap
- $122B
- P/E (trailing)
- 10x
- Revenue (TTM)
- $78.6B
- Net margin
- 13.4%
- EPS (TTM)
- $20.04
- Gross margin
- 85.0%
- Debt / equity
- 0.40
- Revenue growth (3-yr avg)
- 18.3%
- Shares outstanding
- 613M
Derived indicators how computed
- Quality grade
- A
- Margin trend
- Expanding
- 52-week position
- The lower-middle quarter of its range
Technicals how computed
- RSI (14-day)
- 52 · neutral
- 50-day average
- $208.06
- 200-day average
- $203.30
- Moving-average state
- 50-day above 200-day (golden cross state); price between the averages
Dividends how computed
- Paid, last 12 months
- $3.20 per share (4 payments)
- Yield on last price
- 1.61%
- Consecutive years of increases
- 1
- Last ex-dividend date
- 2026-08-17
- Last payment date
- 2026-09-01
Earnings how computed
- Last 8 quarters vs consensus
- 6 beat, 2 missed
- Quarter by quarter
- 2026-06 ▲ beat (+19.8%)
2026-03 ▼ miss (-3.3%)
2025-12 ▼ miss (-6.8%)
2025-09 ▲ beat (+36.5%)
2025-06 ▲ beat (+47.3%)
2025-03 ▲ beat (+11.2%)
2024-12 ▲ beat (+10.4%)
2024-09 ▲ beat (+19.9%)
Analyst consensus how computed
This is not TickrTrends' verdict.
- Analyst ratings
- 19 buy · 4 hold · 0 sell (23 analysts)
- Consensus lean
- Buy-leaning
- Consensus price target
- $252
- Target vs last price
- +26.5%
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 lower third of their 12-month price range of $176.10–$257.94.
- The 14-day relative strength index sits at a neutral 52.
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
Forward Fair Value applies a conservatively normalized historical price-to-earnings multiple to the consensus earnings estimate for the next full fiscal year; how TickrTrends computes it.
Recent COF news
TickrTrends' derived news-sentiment signal for COF is currently leaning positive, computed from recent coverage.
- Capital One Stock Rises 4% After Q3 Earnings And Revenue Increase (rttnews.com, 2026-10-21)
TickrTrends take: Capital One's recent stock price movement follows the company's Q3 performance, which showed revenue growth alongside earnings expansion in the Financial Services sector. Given TickrTrends' current assessment that COF trades at an undervalued level, investors focused on valuation metrics should monitor whether the earnings beat and revenue increases validate or shift this positioning. The combination of positive operational results and an undervalued designation suggests the market may not have fully priced in the company's recent financial performance. - Capital One Financial: Robust Earnings Growth Will Push Shares Higher (NYSE:COF) (seekingalpha.com, 2026-10-21)
TickrTrends take: Capital One Financial operates in the Financial Services sector and currently trades at a valuation that TickrTrends classifies as undervalued. A valuation-focused reader should monitor whether the company's earnings growth materializes as expected, since sustained robust earnings expansion would provide fundamental support for any share price appreciation from current levels. The interplay between earnings trajectory and valuation multiple expansion will be key to watching how the market reprices this undervalued position. - Capital One (COF) Reports Strong Q3 Earnings, Dividend Sustainability in Focus (gurufocus.com, 2026-10-21)
TickrTrends take: Capital One's strong Q3 earnings performance occurs within a context where TickrTrends currently identifies the stock as undervalued relative to its fundamentals. For investors monitoring valuation metrics, the sustainability of the company's dividend and its earnings trajectory will be key indicators of whether the undervaluation persists or represents a temporary market mispricing in the Financial Services sector. The relationship between current earnings strength and the company's capital allocation decisions will likely influence how the valuation assessment evolves in coming quarters.
More COF news
- Capital One Financial (COF) Shares Jump 4.7% After Strong Q3 Earnings Beat (gurufocus.com, 2026-10-20)
- Capital One Financial (COF) Set to Report Q3 Earnings Amid Solid Dividend Fundamentals (gurufocus.com, 2026-10-19)
- Capital One Financial Q3 2026 Earnings Preview (NYSE:COF) (seekingalpha.com, 2026-10-19)
- COF Looks 19.0% Overvalued on GF Value™ as Insider Selling Persists (gurufocus.com, 2026-09-02)
- Capital One: Resilient Consumer Trends Make Shares Attractive (NYSE:COF) (seekingalpha.com, 2026-09-02)
What people are saying
Follow the COF conversation: Stocktwits · Reddit · X
TickrTrends weekly updates
- 2026-10-19 — No material change this week: the verdict, bands and grades all held steady.
- 2026-10-12 — No material change this week: the verdict, bands and grades all held steady.
- 2026-10-11 — No material change this week: the verdict, bands and grades all held steady.
- 2026-10-10 — No material change this week: the verdict, bands and grades all held steady.
- 2026-10-06 — No material change this week: the verdict, bands and grades all held steady.
- 2026-09-28 — No material change this week: the verdict, bands and grades all held steady.
- 2026-09-21 — No material change this week: the verdict, bands and grades all held steady.
- 2026-09-17 — No material change this week: the verdict, bands and grades all held steady.
Frequently asked questions
Is COF stock undervalued?
Based on TickrTrends' Forward Fair Value model (updated 2026-10-19), COF is trading at a 10–25% discount to estimated fair value and screens as undervalued. The exact fair value and discount are available to subscribers.
What is COF's TickrTrends verdict?
COF's current verdict is Undervalued, refreshed with every weekly Forward Fair Value run.
How does COF compare to other Financial Services stocks?
COF ranks #32 of 167 Financial Services stocks in TickrTrends' coverage by discount to fair value.
Is COF overbought or oversold?
COF's 14-day RSI is in neutral territory - neither overbought nor oversold.
Does COF pay a dividend?
Yes. COF paid $3.20 per share over the last twelve months (4 payments), a 1.61% yield on TickrTrends' last price, and has raised the annual total for 1 consecutive year. The last ex-dividend date was 2026-08-17.
Does COF usually beat earnings estimates?
Over its last 8 reported quarters COF beat the consensus estimate 6 times and missed 2 times, by TickrTrends' comparison of reported and estimated EPS.
What do analysts say about COF?
Of 23 analysts covering COF, 19 rate it a buy, 4 a hold and 0 a sell - buy-leaning, with a consensus price target of $252 (+26.5% versus TickrTrends' last price). This is the analyst consensus, not TickrTrends' Forward Fair Value verdict.
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