Capital One is a diversified financial services holding company headquartered in McLean, Virginia. Originally a spinoff of Signet Financial's credit card division in 1994, the company is now primarily involved in credit card lending, auto loans, and commercial lending. Following the acquisition of Discover in 2025, the firm also has a modest personal loan business, though credit card lending provides the majority of the bank's revenue.
The chart shows the growth of an initial investment of $10,000 in Capital One Financial, comparing it to the performance of the S&P 500 index. All prices have been adjusted for splits and dividends.
Returns By Period
Capital One Financial (COF) has returned -25.55% so far this year and 25.51% over the past 12 months. Looking at the last ten years, COF has achieved an annualized return of 9.93%, underperforming the Benchmark (SPY), which averaged 12.23% per year.
COF
1M-6.94%
6M-15.58%
YTD-25.55%
1Y25.51%
5Y6.35%
10Y9.93%
Benchmark (SPY)
1M-3.85%
6M-2.35%
YTD-4.36%
1Y34.06%
5Y9.80%
10Y12.23%
Monthly Returns
The table below presents the monthly returns of Capital One Financial (COF) with color gradation from worst to best to easily spot seasonal factors.
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
2026
-10.40%
-10.36%
-4.77%
-1.99%
2025
13.17%
0.41%
-10.48%
1.74%
5.24%
12.81%
1.35%
7.40%
-4.84%
3.13%
-0.42%
11.10%
2024
3.61%
1.66%
8.11%
-3.64%
-3.76%
0.74%
9.08%
-3.16%
2.93%
8.78%
18.27%
-7.45%
2023
28.43%
-3.47%
-12.17%
1.30%
7.11%
4.13%
6.90%
-11.92%
-5.92%
4.56%
9.85%
17.77%
2022
0.44%
4.27%
-13.84%
-6.31%
1.85%
-18.45%
5.88%
-2.40%
-12.48%
12.67%
-3.95%
-7.07%
2021
4.54%
14.33%
3.96%
16.10%
6.43%
-6.40%
3.97%
1.73%
-2.40%
-7.12%
-7.71%
0.41%
2020
-3.49%
-12.24%
-43.07%
39.48%
9.44%
-8.75%
1.51%
7.98%
5.80%
0.14%
14.72%
12.33%
2019
8.19%
3.26%
-2.75%
12.73%
-7.23%
5.54%
0.13%
-6.28%
6.10%
1.71%
6.00%
2.57%
2018
3.88%
-5.63%
-2.23%
-5.14%
4.04%
-3.20%
2.28%
4.85%
-4.34%
-6.57%
0.41%
-16.63%
2017
-1.31%
6.54%
-8.78%
-7.48%
-5.24%
6.66%
3.31%
-8.11%
6.01%
8.47%
-0.71%
8.03%
2016
3.81%
0.51%
-12.41%
5.67%
6.42%
0.32%
3.41%
12.91%
3.30%
Performance Indicators
The charts below present risk-adjusted performance metrics for Capital One Financial (COF) and compare them to a Benchmark (SPY). These indicators evaluate an investment's returns against its associated risks.
Sharpe ratio
Sortino ratio
Omega ratio
Calmar ratio
Martin ratio
sharpe ratio
The Sharpe ratio helps investors understand how much return they're getting for the level of risk taken. A higher Sharpe ratio indicates better risk-adjusted performance, meaning more reward for each unit of risk.
These values reflect how efficiently the investment has delivered returns relative to its volatility over different time periods. All figures are annualized and based on daily total returns.
The chart below shows the rolling Sharpe ratio of COF compared to the benchmark. This view highlights how the investment's risk-adjusted performance has changed over time.
Volatility Chart
The current Capital One Financial volatility is 1.61%, representing the standart deviation of percentage change in the investments's value, either up or down over the past month. The chart below shows the rolling one-month volatility.
Drawdowns Chart
The Drawdowns chart displays portfolio losses from any high point along the way. It shows the maximum percentage drop from a peak to a trough over a specified period, indicating the risk of significant losses. Although chart shows positive values, it represents the percentage drop from the peak, so a value of 10% means the portfolio has dropped 10% from its highest point.
Income Statement
The income statement provides a summary of a company's revenues, expenses, and profits over a specific period. It shows how much money the company earned (revenues) and how much it spent (expenses), leading to the net income or profit. This statement is crucial for understanding a company's financial performance and profitability.
2025
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015
2014
2013
2012
2011
2009
Liabilities And Equity (USD)
669.01B
490.14B
478.46B
455.25B
432.38B
421.60B
390.37B
372.54B
365.69B
357.03B
334.05B
308.85B
297.05B
312.92B
206.02B
169.65B
Equity Attributable To Parent (USD)
113.62B
60.78B
58.09B
52.58B
61.03B
60.20B
58.01B
51.67B
48.73B
47.51B
47.28B
45.05B
41.74B
40.50B
29.67B
26.59B
Equity Attributable To Noncontrolling Interest (USD)
Capital One faces a critical test in 2026 following its $35 billion acquisition of Discover Financial (closed May 2025) and pending $5.15 billion Brex purchase. While Q4 2025 showed strong revenue growth (53% YoY) and solid earnings ($3.86 adjusted EPS), the stock has declined 25% this year. The company must demonstrate it can integrate these acquisitions, achieve cost savings, and convert revenue growth into profits while managing rising credit losses and regulatory pressures. Analysts rate it a Moderate Buy with a $275.95 average price target.
Investing.com•Ryan Hasson
AI Insight
Mixed signals: strong revenue growth and earnings in Q4 2025, dividend increase, and analyst upside potential of 50%, but offset by 25% YoY stock decline, Q4 earnings miss, rising credit losses ($4B provision), integration risks from major acquisitions, and uncertainty about converting revenue growth to profits amid competitive pressures and regulatory scrutiny.
Bank stocks have rebounded slightly after a rocky 2026 start, with the KBW Nasdaq Bank Index up 2% in recent weeks but still down 7% year-to-date. Despite economic headwinds including rising inflation and recession concerns, Bank of America and Capital One are highlighted as attractive long-term buys. Bank of America trades at 11x forward earnings with projected 5-7% net interest income growth, while Capital One benefits from its Discover acquisition with expected $2.5 billion in synergies starting 2027 and anticipated 21% earnings growth in 2027.
The Motley Fool•Dave Kovaleski
AI Insight
Discover acquisition expected to generate $2.5 billion in synergies starting 2027, trading at 9x forward earnings, analysts expect 21% earnings growth in 2027 as integration progresses, median price target of $275 suggesting 51% upside.
Sessa Capital invested $175.8 million in Sotera Health by purchasing 10.6 million shares in Q4, bringing its total stake to 20.55 million shares valued at $362.5 million. Despite a 21% stock decline, the investment signals confidence in the company's fundamentals, which include $1.2 billion in revenue and steady 20-year growth, though the stock faces headwinds from litigation risks, high leverage, and a recent secondary offering that flooded the market with shares.
The Motley Fool•Jonathan Ponciano
AI Insight
Mentioned as part of Sessa Capital's top holdings ($377.65 million, 7.5% of AUM). No specific news or analysis about the company is provided in the article.
A research report warning of potential AI-induced economic disruption has sparked market concerns, with the S&P 500 down over 4% and financial stocks declining sharply. However, the author argues that government stimulus measures historically deployed during crises would benefit Bitcoin, which is currently 44% off its peak. While AI fears are likely overblown, Bitcoin remains a compelling long-term investment due to persistent fiscal and monetary expansion.
The Motley Fool•Neil Patel
AI Insight
Financial stock tied to spending activity is down double digits following AI doomsday concerns, reflecting reduced consumer confidence and potential economic headwinds.
Capital One Financial's stock has underperformed the market by over 20% in 2026, partly due to recession concerns affecting its core business of lending to lower-credit-score customers. However, the company's acquisition of Discover transforms it into a payment processor with more stable revenue streams, similar to Visa and Mastercard. With a strong tier-one capital ratio of 14.3%, Capital One is well-positioned to weather a recession, which could drive stock recovery. The company is also acquiring Brex for $5.1 billion, signaling aggressive growth ambitions.
The Motley Fool•Reuben Gregg Brewer
AI Insight
The article presents a mixed outlook. While the stock has underperformed significantly and faces recession risks due to its focus on lower-credit-score customers, the Discover acquisition provides a more stable business model and the company has strong capital reserves. Recovery potential exists but depends on navigating a potential recession successfully.
140 Summer Partners LP acquired 917,500 shares of Globalstar (GSAT) for approximately $56 million, representing a new 4.14% position in the fund. The investment reflects growing investor interest in satellite communications as the company expands its low-Earth-orbit network to provide connectivity in remote areas where traditional cellular coverage is unavailable, serving maritime, energy, logistics, and emergency response sectors.
The Motley Fool•Eric Trie
AI Insight
Mentioned only as a top holding of 140 Summer Partners LP fund; no specific news or analysis provided about the company itself.
Salesforce CEO Marc Benioff dismissed concerns about AI-driven mass white-collar layoffs on Wednesday, but his comments were quickly contradicted by a brutal week of job cuts. Morgan Stanley cut 2,500 workers, Oracle planned thousands of additional cuts, and Capital One laid off over 1,100 employees. Friday's jobs report showed the U.S. economy shed 92,000 jobs in February, with unemployment rising to 4.4%, undermining Benioff's argument that AI job losses are overblown.
Benzinga•Eva Mathew
AI Insight
Laid off over 1,100 employees at the former Discover headquarters in Illinois, marking the second wave of cuts following its $35 billion acquisition of Discover.
Investment fund 140 Summer Partners increased its position in Acuity Brands by 178,360 shares in Q4 2025, bringing its stake to 225,860 shares valued at $81.3 million (6% of AUM). Despite the stock underperforming the S&P 500 by 17.9 percentage points over the past year, the company showed strong growth with 13% revenue increase in fiscal 2025 and 20% quarterly growth, trading at a relatively low 14x expected earnings with projected 20% annualized earnings growth.
The Motley Fool•John Ballard
AI Insight
Mentioned as the top holding of 140 Summer Partners LP ($148.1M, 10.9% of AUM) with no specific news or analysis provided in the article.
The Playing For Change Foundation announced its 2026 Impact Awards gala scheduled for April 11, 2026, in Miami, honoring Grammy Award-winning artist Wyclef Jean with the Impact Award and photographer Nigel Barker with the inaugural Visual Impact Award. The event will feature the live debut of Voices for Change: A Global Youth Choir, uniting 30 students performing live alongside 300+ youths from eight countries in a global performance for peace.
GlobeNewswire Inc.•Playing For Change Foundation
AI Insight
Capital One is the title partner for the 2026 Impact Awards and publicly expressed commitment to supporting the Playing For Change Foundation's mission, demonstrating corporate social responsibility and brand alignment with music and arts philanthropy.
Pomerantz LLP is investigating potential securities fraud claims against Capital One Financial Corporation following the company's January 22, 2026 earnings report, which missed analyst expectations on earnings per share ($3.86 vs. $4.14 expected) and efficiency ratio (60% vs. expectations). The disappointing results triggered a 7.56% stock price decline on January 23, 2026.
GlobeNewswire Inc.•Pomerantz Llp
AI Insight
The company missed earnings expectations and efficiency ratio targets, resulting in a significant 7.56% stock price decline. Additionally, securities fraud investigation by a major law firm raises serious concerns about potential corporate misconduct and management credibility.
