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COF

CAPITAL ONE FINANCIAL CORP

At today's price, CAPITAL ONE FINANCIAL CORP (COF) is priced for 13.0% return on equity. boothcheck doesn't publish a fair value or a price target; it shows what the price assumes, so you can judge whether that bar is too high. Built from SEC EDGAR filings.

Live priced in
13.0% return on equity
Priced In
extreme

Key Takeaways

Capital One is a credit-card bank in the middle of digesting its Discover acquisition, which makes the trailing numbers nearly useless: a purchase-accounting reserve build crushed reported return on equity to about 2.9% and trailing EPS to $3.92, while first-quarter 2026 adjusted EPS was $4.42. The acquisition is the whole story. It vaulted Capital One into owning a payment network, lifted net interest income 52%, and drove domestic card purchase volume up 40% year over year (8% excluding Disco

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Institutional ownership

2,017 institutional managers reported holding COF in 13F filings for the quarter ended 2026-03-31. Together they hold about 82% of the company; the top 10 hold 36%. 162 opened new positions that quarter. Held by Vanguard Group, BlackRock, State Street, among others. On the short side, 11.0M shares were sold short as of the 2026-06-15 count, about 2% of shares outstanding (2.1 days of typical volume to cover).

Quarterly 13F filings arrive up to 45 days after quarter end, so the picture is never current (filed through 2026-05-29). Nothing here is investment advice.

Capital returns

COF's share count grew 38.1% over the past five years even with $18.65B spent on repurchases. It pays a dividend, and has paid one every year in our records (18 and counting); the current rate is $1.60 a share annually. Cash returned over the past three years: $3.42B in dividends and $7.94B in repurchases.

Share counts are split-adjusted; repurchase totals are gross of share issuance. Nothing here is investment advice.

Insider activity

No open-market insider buys on file at COF over the trailing three years. Absence is a fact about the company, not a signal. 31 officers and directors are on file.

Code P open-market purchases from SEC Form 4 filings, non-derivative, excluding scheduled 10b5-1 plans. Nothing here is investment advice.

Earnings reactions

COF's recent reports: the day-one move, then what the following quarter actually did.

reportday onenext quarter
2023-07-28-2.0%-15.5%
2023-11-03+3.3%+24.6%
2024-02-24+0.4%+7.9%
2024-05-03-1.8%-4.5%

Day-one is the close-to-close move around the filing. Nothing here is investment advice.

Recent filings

COF's latest 8-K filings: 2026-06-15 (items 7.01, 9.01); 2026-06-09 (items 8.01, 9.01); 2026-06-08 (items 7.01, 9.01); 2026-05-15 (items 7.01, 9.01); 2026-05-08 (items 5.07, 9.01).

Item codes are the SEC's own classification of what each report discloses. Nothing here is investment advice.

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Last analyzed: July 3, 2026

For informational and research purposes only. Not investment advice. Not a recommendation to buy, sell, or hold any security. boothcheck is not a registered investment adviser. Past performance does not guarantee future results.