Capital One Financial Corp (COF)

Over the past six months, Capital One Financial Corp. stock has increased by 17.08%. Analyst upgrades from UBS, Truist Securities, Barclays, Robert W. Baird, Wells Fargo, and JPMorgan have contributed to the stock reaching new 12-month highs. Capital One's acquisition of Discover Financial Services completed on May 18, 2025, after receiving regulatory approvals. Capital One reported its Q1 2025 earnings on April 22, 2025, and Q4 2024 earnings on January 21, 2025. Capital One announced a quarterly dividend, which was paid on June 5, 2025.

While specific seasonal patterns are not detailed, demand is influenced by broader economic conditions and consumer behavior. Increased consumer spending and marketing efforts can drive demand for credit card products. Demand for auto loans is sensitive to the economic environment. Credit card receivable growth is expected to decelerate, suggesting fluctuations in demand for these products.

Capital One Financial Corporation is an American bank holding company specializing in financial services, operating primarily in the United States, with additional operations in Canada and the United Kingdom. The company's core business is structured around three main divisions: Credit Card, Consumer Banking, and Commercial Banking. Capital One is a prominent issuer of Visa and Mastercard credit cards, offers a range of consumer banking services, and provides commercial banking services to commercial real estate and commercial and industrial customers.

Capital One's operations are primarily concentrated in the United States, with approximately 750 branches and 2,000 ATMs. Its physical presence is strategically focused in regions such as New York, Louisiana, Texas, Maryland, Virginia, and the District of Columbia. Internationally, Capital One conducts business in Canada and the United Kingdom.

Capital One's brand reputation has been impacted by several events in the past year. The CFPB sued Capital One, alleging that it cheated millions of consumers out of over $2 billion in interest payments. Capital One is facing a legal challenge from social media creators who allege that its browser extension has been stealing their sales commissions. The proposed acquisition of Discover Financial Services faced opposition from community groups, citing Capital One's history of maltreatment of customers.

Capital One Financial Corp. is predominantly owned by institutional shareholders, who hold 94.33% of the stock. Insiders own 2.69%, and retail investors hold 2.98%. The largest individual shareholder is Richard Fairbank, the founder, Chairman, and CEO of Capital One, holding a 1.11% stake in the company.