COF is the ticker symbol for CAPITAL ONE FINANCIAL CORP, a publicly traded Financials sector company listed on NYSE. 13F Pro tracks COF with AI-powered analysis, a 32-signal quality score, SEC EDGAR financials, insider transactions, and institutional 13F holdings — all sourced directly from public SEC filings.

Is COF a good stock to buy?

13F Pro's AI ranking engine scores COF at 62.4/100, ranked #711 of 2,961 stocks based on 32 fundamental signals including profitability, growth, balance sheet strength, and free cash flow. The full AI verdict and bull/bear case for COF is available at https://13fpro.ai/company/COF. Not investment advice — review the underlying SEC filings before making any trade.

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.

CAPITAL ONE FINANCIAL CORP(COF)— Stock Profile, AI Score & Financials

Financials · NYSE · AI-powered stock analysis, 32-signal quality score, SEC EDGAR financials, and institutional holdings. Updated 2026-03-31.

CAPITAL ONE FINANCIAL CORP (COF) stock profile, AI quality score, and SEC EDGAR financial data, a Financials sector company. 13F Pro's AI-powered ranking engine scores COF at 62.4/100 on a 32-signal composite quality model, placing it at rank #711 of 2,961 stocks — the top 25% of the AI-ranked universe. COF scores in the top quartile across revenue scale (97.3), earnings quality (96.7), free cash flow (93.7). Areas of concern include profitability (36.0) and balance sheet strength (37.7), which score below median versus the broader universe. Shareholder dilution risk is elevated at 47.2/100, 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.

AI Quality Score

62.4/100

AI Rank

#711

Revenue

$15.2B

Net Income

$2.2B

Free Cash Flow

$5.5B

Operating Margin

17.7%

COF key financials by period

CAPITAL ONE FINANCIAL CORP reported revenue, net income and margins by fiscal period, from SEC filings.
Period	Form	Revenue	Net income	Operating margin
FY 2025	10-K	$53.4B	$2.5B	4.3%
FY 2024	10-K	$39.1B	$4.8B	15.1%
FY 2023	10-K	$36.8B	$4.9B	16.4%
FY 2022	10-K	$34.3B	$7.4B	27.0%
FY 2021	10-K	$30.4B	$12.4B	51.9%
FY 2020	10-K	$28.5B	$2.7B	11.2%

Institutions holding COF

Institutional investors reporting a position in CAPITAL ONE FINANCIAL CORP on SEC Form 13F.
Institution	Shares	Value	Reported
BlackRock	51,054,869	$10.2B	2026-06-30
VANGUARD CAPITAL MANAGEMENT	40,646,052	$8.2B	2026-06-30
STATE STREET	27,797,298	$5.6B	2026-06-30
JPMORGAN CHASE	17,785,818	$3.6B	2026-06-30
GEODE CAPITAL MANAGEMENT	14,360,681	$2.9B	2026-06-30
FRANKLIN RESOURCES	13,440,351	$2.7B	2026-06-30
VANGUARD PORTFOLIO MANAGEMENT	12,800,697	$2.6B	2026-06-30
HARRIS ASSOCIATES L P	11,492,010	$2.3B	2026-06-30
FMR	11,130,538	$2.2B	2026-06-30
NORGES BANK	9,978,148	$2.0B	2026-06-30

SEC EDGAR: CIK 927628 →

CAPITAL ONE FINANCIAL CORP

COF

NYSELarge CapFinancials

13F Pro Quality Score

62.4/100

Rank #711 of 2,961 stocksTOP 25%

View Financials peers →

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

Revenue Growth

84.7/100

Profitability

36.0/100

Balance Sheet

37.7/100

Earnings Quality

96.7/100

Free Cash Flow

93.7/100

Institutional Flow

57.7/100

Revenue Scale

97.3/100

Dilution Risk

47.2/100

Price Chart

Email me the moment this company reports earnings

AI Research Report

Two-page plain-English analysis: business, thesis, and three scenarios for the next two years. Refreshed every quarter.

Upgrade to Pro

Pro: 5 reports/month · Pro+: unlimitedOpinion, not investment advice. Do your own research.

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

38/38 datapoints verified

AI-extracted from the 10-Q filed 2026-07-28 — Q2 2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.

Total net revenue rose 27% to $15.9B and Capital One swung to $3.0B net income from a $4.3B loss as provision fell 74% to $3.0B.

Biggest Revenue Drivers

Credit Card$11.8B+29% YoY

Higher average loan balances, largely due to the addition of Discover, plus portfolio growth in non-interest income

Consumer Banking$3.2B+26% YoY

Addition of the Global Payment Network and reissuance of legacy Capital One debit cards onto that network

Biggest Revenue Drivers

Total revenue: $15.9B+27% YoY

Credit Card$11.8B+29% YoY

Higher average loan balances, largely due to the addition of Discover, plus portfolio growth in non-interest income

Within Credit Card

Domestic Card$11.1B+30% YoY

Accounted for greater than 90% of total net revenue of the Credit Card business

Consumer Banking$3.2B+26% YoY

Addition of the Global Payment Network and reissuance of legacy Capital One debit cards onto that network

Commercial Banking$850M-9% YoY

Reclassification of the legacy corporate card product to Domestic Card and lower capital markets services revenue

Other$26M

Corporate Treasury and unallocated corporate items; higher treasury income

Largest Expense Items

Operating expense$7,382M+31% YoY

Addition of Discover and higher acquisition amortization expenses

Provision for credit losses$2,989M-74% YoY

Absence of the initial allowance for credit losses for loans acquired in the Discover acquisition

Marketing$1,661M+23% YoY

Part of total non-interest expense of $9,043M, up 29% year over year

Amortization of intangibles$507M

Higher acquisition amortization expenses following Discover and Brex

Margins: Net interest margin rose 39 bps to 8.01% and total net revenue margin rose 75 bps to 10.27%, driven by higher average credit card loan balances largely from Discover. Efficiency ratio worsened 109 bps to 57.05%.

Watch Items from the Filing

On May 12, 2026, Fitch put Capital One's ratings on review for possible downgrade; Moody's outlook stable, S&P positive.
Consumer Banking net charge-off rate rose 18 bps to 1.48%; auto allowance built $116M in the quarter and auto loans grew to $89.3B.
Commercial Banking net charge-off rate rose 20 bps to 0.53%, with nonperforming loans of $1,201M (1.32%) and $696M of 30+ day delinquencies.
CET1 fell 60 bps to 13.7% from 14.3% after $2.7B of buybacks in the quarter and $5.2B year to date; stress capital buffer stays 4.5% to September 2027.
Domestic Card 30+ day delinquency rate improved 60 bps to 3.39%, driving a $705M allowance release and a 49 bps lower card charge-off rate of 4.71%.

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

Read the full 10-Q on SEC EDGAR →