Stock events for Capital One Financial Corp. (COF)
Capital One's stock has been impacted by several events in the past six months. The acquisition of Discover on May 18, 2025, affected provisions for credit losses and revenue, with anticipated earnings synergies in Q4 2025. On July 1, 2025, the Stress Capital Buffer Requirement (SCB) decreased from 5.5% to 4.5%, effective October 1, 2025, increasing financial flexibility. Second-quarter results on July 22, 2025, showed a net loss of $4.3 billion, or $(8.58) per diluted common share, but an adjusted net income of $5.48 per diluted common share, surpassing estimates. In October 2025, Wells Fargo added Capital One to its Q4 2025 Tactical Ideas List with an "Overweight" rating and a $265 price target, citing positive credit trends and share buybacks. Insider selling activity has also been noted.
Demand Seasonality affecting Capital One Financial Corp.’s stock price
Demand for Capital One's products and services exhibits seasonal patterns. Credit card balances increase modestly in the second and third quarters, with a more significant rise in the fourth quarter due to holiday spending, which reverses in the first quarter as consumers pay down balances. Loan demand is generally low in January and February, increases in March, peaks around August or September, and declines towards December. Fluctuations in interest rates are a primary driver of these seasonal changes.
Overview of Capital One Financial Corp.’s business
Capital One Financial Corporation is a diversified financial services holding company based in McLean, Virginia, operating in the financial services sector through its Credit Card, Consumer Banking, and Commercial Banking segments. Its products and services include credit cards, auto loans, checking and savings accounts, and commercial banking services, leveraging technology and data analytics.
COF’s Geographic footprint
Capital One Financial Corp. operates in the United States, Canada, and the United Kingdom, with 95-96% of its revenue generated in the U.S. It serves consumers, small businesses, and commercial clients through digital channels, branches, and cafés in states including New York, Louisiana, Texas, Maryland, Virginia, New Jersey, and California. Its headquarters are in McLean, Virginia.
COF Corporate Image Assessment
Capital One's brand reputation has been affected by legal and consumer-related issues in the past year. A securities lawsuit investigation was initiated for the period between October 26, 2024, and April 10, 2025, alleging that Capital One misled investors regarding credit quality and risk controls. In May 2025, Capital One agreed to pay $425 million to settle a class-action lawsuit accusing the company of deceiving online savings account customers. In June 2025, Capital One faced a lawsuit alleging that its Capital One Shopping browser extension improperly diverted referral commissions. These developments, alongside concerns about consumer credit quality, have contributed to increased stock volatility.
Ownership
Capital One Financial Corp. is predominantly owned by institutional shareholders, holding approximately 76.82% to 87.47% of the stock. Major institutional owners include Vanguard Group Inc., BlackRock Inc., and State Street Corp. Richard D. Fairbank, the founder, Chairman, and CEO, is the largest individual shareholder with a 1.11% stake. Insiders collectively own about 1.29% to 1.61% of the stock. The remaining shares are held by retail investors and the public.
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$214.20