What is the 13F Pro Quality Score for COF?

13F Pro ranks CAPITAL ONE FINANCIAL CORP (COF) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View COF's current score at https://13fpro.ai/research/COF (free sign-up required for the full ranking).

Which hedge funds own the most COF stock?

Based on the most recent Form 13F-HR filings on SEC EDGAR, the largest reported institutional holders of COF include BlackRock,, VANGUARD CAPITAL MANAGEMENT, STATE STREET. Holdings are reported quarterly within 45 days of quarter-end and updated on https://13fpro.ai/research/COF as soon as new 13F filings post.

Where does 13F Pro source COF data?

All CAPITAL ONE FINANCIAL CORP fundamentals and ownership data come directly from SEC EDGAR. CAPITAL ONE FINANCIAL CORP files with the SEC under CIK 927628. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is COF in?

CAPITAL ONE FINANCIAL CORP (COF) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

What drives COF's revenue?

Per CAPITAL ONE FINANCIAL CORP's latest 10-Q filed with the SEC on 2026-05-07, the biggest revenue drivers are: Credit Card ($11.4B, +59% YoY); Consumer Banking ($2.9B, +37% YoY); Commercial Banking ($0.9B, +3% YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/research/COF.

What are COF's largest expenses?

CAPITAL ONE FINANCIAL CORP's latest 10-Q reports these as the largest expense items: Salaries and associate benefits ($3.7B, +44% YoY); Marketing ($1.5B, +25% YoY). Sourced directly from SEC EDGAR filing text for Q1 2026 (quarter ended March 31, 2026).

How often is COF research updated on 13F Pro?

COF's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

CAPITAL ONE FINANCIAL CORP(COF)Stock Analysis

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13F Pro Quality Score

71.0/100

Rank #278 of 2,879 stocksTOP 10%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.

Revenue Growth

80.9/100

Profitability

87.9/100

Balance Sheet

38.0/100

Earnings Quality

11.6/100

Free Cash Flow

97.6/100

Institutional Flow

25.6/100

Revenue Scale

84.3/100

Dilution Risk

47.8/100

COF Stock Analysis & AI Quality Score

AI stock analysis and institutional research for CAPITAL ONE FINANCIAL CORP (COF), a Financials sector company. 13F Pro's AI-powered ranking engine scores COF at 71.0/100 on a 32-signal composite quality model, placing it at rank #278 of 2,879 stocks — the top 10% of the AI-ranked universe. COF scores in the top quartile across free cash flow (97.6), profitability (87.9), revenue scale (84.3). Areas of concern include earnings quality (11.6) and institutional flow (25.6), which score below median versus the broader universe. Shareholder dilution risk is elevated at 47.8/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q1 2026), CAPITAL ONE FINANCIAL CORP reports quarterly revenue of $15.2B, net income of $2.2B, an operating margin of 17.7%. Top institutional holders of COF by reported 13-F value include BlackRock,, VANGUARD CAPITAL MANAGEMENT, STATE STREET, based on the most recent SEC filings. COF trades on the NYSE exchange and files with the SEC under CIK 927628. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate COF daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for CAPITAL ONE FINANCIAL CORP directly from SEC EDGAR. CAPITAL ONE FINANCIAL CORP's 13F Pro composite quality score has ranged between 59 and 72 since 2021, currently 71.0 — an improving long-term trajectory across 28 quarterly and live scoring snapshots.

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Fun facts about CAPITAL ONE FINANCIAL CORP

Quirks, history, and lore behind COF — the kind of stuff that makes a stock memorable.

1
The Basics
U.S. financial services company · large-cap · listed on the NYSE · headquartered in Virginia.
2
The Numbers
One of the ten largest banks in the United States by assets, with a loan book heavily weighted toward consumer credit and auto lending.
3
The History
Spun out of Signet Banking in the mid-1990s after two executives pioneered a data-driven approach to credit card marketing that the parent company wasn't bold enough to pursue.
4
The Secret
Long before fintech was a buzzword, this company was essentially a technology firm disguised as a bank, betting that statistical modeling could price credit risk better than anyone else on Wall Street.
5
The Lore
Its "What's in your wallet?" tagline became one of the most recognized slogans in American advertising, even if nobody could quite explain why Vikings were involved.
6
The Giveaway
It's the issuer behind the Venture, Quicksilver, and Savor rewards cards — and in 2024 it announced a blockbuster deal to acquire Discover Financial for roughly $35 billion.

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What's Driving COF's Business? Latest 10-Q Breakdown

AI-extracted from CAPITAL ONE FINANCIAL CORP's 10-Q filed 2026-05-07 — Q1 2026 (quarter ended March 31, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.

Capital One reported Q1 2026 net income of $2.2B ($3.34 per diluted share) on total net revenue of $15.2B, up 55% YoY, primarily driven by Discover acquisition integration with higher credit card loan balances.

Biggest Revenue Drivers

Total revenue: $15.2B+52% YoY

Credit Card$11.4B+59% YoY

Higher average loan balances largely due to addition of Discover

Consumer Banking$2.9B+37% YoY

Growth in Global Payment Network services and higher deposits from Discover

Commercial Banking$0.9B+3% YoY

Relatively flat performance with stable net interest income and modest fee growth

Largest Expense Items

Salaries and associate benefits$3.7B+44% YoY

Discover integration expenses of $415M; includes higher associate costs

Marketing$1.5B+25% YoY

Growth driven by expanded Credit Card and Consumer Banking marketing efforts

Margins: Net interest margin expanded 94 bps to 7.87% YoY, primarily from higher-yielding credit card balances following Discover addition. Net interest income grew 52% to $12.1B. Operating efficiency ratio improved 345 bps to 55.57% YoY despite significant Discover integration costs.

Watch Items from the Filing

Discover integration ongoing: $1.8B in cumulative integration expenses since Q1 2024 announcement; $415M incurred in Q1 2026 alone with further expenses anticipated.
Provision for credit losses surged to $4.1B (+72% YoY), driven by higher credit card net charge-offs ($3.4B, up 43%) largely from Discover portfolio addition.
Brex acquisition completed April 7, 2026 for ~$4.5B ($2.6B cash + $1.9B stock); purchase allocation still provisional as of quarter-end.
Savings Account litigation resolved Dec 2025 with $425M settlement fund; New York AG litigation also resolved; court approved settlement April 20, 2026.

AI-extracted and verified against SEC EDGAR filing text. Not investment advice.

Read the full 10-Q on SEC EDGAR →Share on X

Revenue

Q1 2026

$15.2B

Net Income

Q1 2026

$2.2B

Free Cash Flow

Q1 2026

$5.5B

Operating Margin

Q1 2026

17.7%

ROIC

Q1 2026

1.7%

D/E Ratio

Q1 2026

0.46

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

+36.6% YoY

$53.43BFY 2025

FY22 $34.25BFY23 $36.79BFY24 $39.11BFY25 $53.43B

Net Income

-48.4% YoY

$2.45BFY 2025

FY22 $7.36BFY23 $4.89BFY24 $4.75BFY25 $2.45B

EPS (Diluted)

-65.2% YoY

$4.03FY 2025

FY22 $17.91FY23 $11.95FY24 $11.59FY25 $4.03

Total Assets

+36.5% YoY

$669.01BFY 2025

FY22 $455.25BFY23 $478.46BFY24 $490.14BFY25 $669.01B

Total Debt

+12.0% YoY

$51.00BFY 2025

FY22 $48.72BFY23 $49.86BFY24 $45.55BFY25 $51.00B

Op. Cash Flow

+52.6% YoY

$27.72BFY 2025

FY22 $13.81BFY23 $20.57BFY24 $18.16BFY25 $27.72B

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$53.43B +36.6%	$39.11B +6.3%	$36.79B +7.4%	$34.25B +12.5%	$30.43B +6.7%	$28.52B
Net Income	$2.45B -48.4%	$4.75B -2.8%	$4.89B -33.6%	$7.36B -40.6%	$12.39B +356.5%	$2.71B
EPS (Diluted)	$4.03 -65.2%	$11.59 -3.0%	$11.95 -33.3%	$17.91 -33.5%	$26.94 +420.1%	$5.18
Total Assets	$669.01B +36.5%	$490.14B +2.4%	$478.46B +5.1%	$455.25B +5.3%	$432.38B +2.6%	$421.60B
Total Debt	$51.00B +12.0%	$45.55B -8.6%	$49.86B +2.3%	$48.72B +13.1%	$43.09B +6.3%	$40.54B
Operating Cash Flow	$27.72B +52.6%	$18.16B -11.7%	$20.57B +49.0%	$13.81B +12.2%	$12.31B -26.3%	$16.70B

AI Insight: COF Financial Trends

Capital One posted a massive $4.3B loss in Q2 2025 before returning to profitability, while revenue surged 53% year-over-year in Q4 2025.

• Revenue accelerated dramatically from $10.2B in Q4 2024 to $15.6B in Q4 2025, a 53% year-over-year increase.

• Equity nearly doubled from $60.8B in Q4 2024 to $113.6B in Q4 2025, indicating significant balance sheet strengthening.

• Operating cash flow improved from $2.4B in Q4 2024 to $7.8B in Q4 2025, demonstrating stronger cash generation.

⚠ Net income volatility remains concerning with a $4.3B loss in Q2 2025 followed by recovery to $2.1B in Q4 2025.

⚠ Total debt increased from $45.6B in Q4 2024 to $51.0B in Q4 2025, reversing earlier deleveraging trend.

AI Insight: COF Ratio Trends

Capital One's profitability shows extreme volatility with a massive Q2 2025 loss creating erratic quarterly performance despite improving leverage ratios.

• Debt-to-equity ratio improved steadily from 0.87 in Q1 2024 to 0.45 in Q4 2025, indicating strengthening capital structure.

• Operating margin swung wildly from 28.5% in Q3 2025 to -47.5% in Q2 2025, showing extreme quarterly volatility.

• ROE collapsed to -15.4% in Q2 2025 before recovering to 11.2% in Q3 2025, demonstrating unstable profitability patterns.

⚠ Q2 2025's massive losses across all profitability metrics suggest potential one-time charges or operational disruptions requiring explanation.

⚠ TTM metrics significantly trail Q4 2025 quarterly figures, indicating the Q2 2025 loss heavily impacts trailing performance.

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Available Research

13F Pro tracks comprehensive data for CAPITAL ONE FINANCIAL CORP including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of COF

BlackRock, Inc.
$9.3B50,818,226 sh
VANGUARD CAPITAL MANAGEMENT LLC
$7.4B40,509,585 sh
STATE STREET CORP
$5.0B27,553,903 sh
Capital World Investors
$3.3B18,120,639 sh
GEODE CAPITAL MANAGEMENT, LLC
$2.6B14,293,981 sh
FRANKLIN RESOURCES INC
$2.5B13,728,646 sh
FMR LLC
$2.3B12,560,478 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$2.2B11,878,921 sh
HARRIS ASSOCIATES L P
$1.9B10,357,647 sh
MORGAN STANLEY
$1.6B8,930,350 sh

Fund	Value	Shares
BlackRock, Inc.	$9.3B	50,818,226
VANGUARD CAPITAL MANAGEMENT LLC	$7.4B	40,509,585
STATE STREET CORP	$5.0B	27,553,903
Capital World Investors	$3.3B	18,120,639
GEODE CAPITAL MANAGEMENT, LLC	$2.6B	14,293,981
FRANKLIN RESOURCES INC	$2.5B	13,728,646
FMR LLC	$2.3B	12,560,478
VANGUARD PORTFOLIO MANAGEMENT LLC	$2.2B	11,878,921
HARRIS ASSOCIATES L P	$1.9B	10,357,647
MORGAN STANLEY	$1.6B	8,930,350

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Is COF a good stock to buy?

13F Pro's AI-powered analysis of CAPITAL ONE FINANCIAL CORP (COF) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on NYSE). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for COF are available on the COF stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own COF?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling COF. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of CAPITAL ONE FINANCIAL CORP's investment landscape.