Financial Services · NYSE/NASDAQ: COF
CAPITAL ONE FINANCIAL CORP
Credit Services
Market Cap $121.11B
Verdict: Average
Quality Scores
Multi-Bagger
72/100
Compounder Quality
68/100
Management Credibility
78/100
Governance
88/100
Cash Flow Quality
85/100
AI Summary
Capital One Financial Corp (COF) demonstrates a decade of aggressive balance sheet expansion, culminating in a massive asset leap to $669B in the 2025 reporting period, likely reflecting the closing of the Discover acquisition. Revenue growth has accelerated from $23.41B to $53.43B over ten years, representing a robust organic and inorganic trajectory. However, net income exhibits extreme volatility, peaking at $12.39B in 2021 before compressing to $2.45B in 2025. This divergence between top-line growth and bottom-line stability suggests significant credit provision cycles and integration…
Top Opportunities
- Leading technology stack among large-cap banks
- Strong historical growth in revenue (CAGR 8.6%)
- Consistently high OCF generation
Top Risks
- Significant volatility in net income due to CECL provisions
- High sensitivity to consumer credit quality downturns
- Net profit declined significantly in recent fiscal years
Latest report: Read the annual report summary →
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