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/company/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/company/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 2026-07-28, the biggest revenue drivers are: Credit Card ($11.8B, +29% YoY); Domestic Card ($11.1B, +30% YoY); Consumer Banking ($3.2B, +26% YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/company/COF.

What are COF's largest expenses?

CAPITAL ONE FINANCIAL CORP's latest 10-Q reports these as the largest expense items: Operating expense ($7,382M, +31% YoY); Provision for credit losses ($2,989M, -74% YoY); Marketing ($1,661M, +23% YoY). Sourced directly from SEC EDGAR filing text for Q2 2026 (quarter ended June 30, 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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SEC EDGAR: CIK 927628 COF stock profile & AI dashboard →

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

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Why COF Scores 62/100

exact factor attribution · 2026-09-11

COF's composite is driven by scale and revenue growth, held back by profitability and earnings growth. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Scale

+9.5 pts

97th pct

Revenue growth

+9.3 pts

85th pct

Free cash flow

+6.6 pts

94th pct

Earnings quality

+4.7 pts

97th pct

Institutional flow

+0.5 pts

58th pct

Shareholder dilution

-0.2 pts

47th pct

Capital efficiency

-1.6 pts

38th pct

Earnings growth

-2.2 pts

17th pct

Profitability

-2.8 pts

36th pct

Latest change (2026-07-28): 71 → 69 · ↓ Revenue growth 81→71; ↓ Dilution 48→18; despite ↑ Earnings growth 12→25

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

COF Stock Analysis & AI Quality Score

Data updated 2026-09-11

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 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. CAPITAL ONE FINANCIAL CORP's 13F Pro composite quality score has ranged between 59 and 73 since 2021, currently 62.4 — a stable long-term trajectory across 68 quarterly and live scoring snapshots.

✦

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

✓ 38/38 datapoints verified

AI-extracted from CAPITAL ONE FINANCIAL CORP's 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 →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

6.6%

D/E Ratio

Q1 2026

0.46

Period

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

Free Cash Flow

+54.2% YoY

$26.14BFY 2025

FY22 $12.88BFY23 $19.61BFY24 $16.95BFY25 $26.14B

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
Free Cash Flow	$26.14B +54.2%	$16.95B -13.6%	$19.61B +52.3%	$12.88B +10.9%	$11.61B -27.4%	$15.99B

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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.
$10.2B51,054,869 sh
VANGUARD CAPITAL MANAGEMENT LLC
$8.2B40,646,052 sh
STATE STREET CORP
$5.6B27,797,298 sh
JPMORGAN CHASE & CO
$3.6B17,785,818 sh
GEODE CAPITAL MANAGEMENT, LLC
$2.9B14,360,681 sh
FRANKLIN RESOURCES INC
$2.7B13,440,351 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$2.6B12,800,697 sh
HARRIS ASSOCIATES L P
$2.3B11,492,010 sh
FMR LLC
$2.2B11,130,538 sh
NORGES BANK
$2.0B9,978,148 sh

Fund	Value	Shares
BlackRock, Inc.	$10.2B	51,054,869
VANGUARD CAPITAL MANAGEMENT LLC	$8.2B	40,646,052
STATE STREET CORP	$5.6B	27,797,298
JPMORGAN CHASE & CO	$3.6B	17,785,818
GEODE CAPITAL MANAGEMENT, LLC	$2.9B	14,360,681
FRANKLIN RESOURCES INC	$2.7B	13,440,351
VANGUARD PORTFOLIO MANAGEMENT LLC	$2.6B	12,800,697
HARRIS ASSOCIATES L P	$2.3B	11,492,010
FMR LLC	$2.2B	11,130,538
NORGES BANK	$2.0B	9,978,148

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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. COF is classified as a large company.

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.