Capital One (COF)
Financials · Consumer Banking and Credit Cards
America's largest credit card issuer now commands an integrated payments empire spanning card issuance, global payment networks, and consumer lending following its transformative Discover acquisition.
What Capital One does
Capital One is the largest issuer of credit cards in the United States, operating through multiple business lines including credit cards, debit cards, auto loans, bank lending, and treasury management services. Following the acquisition of Discover Financial Services in May 2025, the company also operates the Discover Network, PULSE Network, and Diners Club International payment networks. Capital One services banking customers through digital channels, branch locations, and call centers, offering depository services and consumer lending products across U.S., U.K., and Canadian markets.
Themes: ["Credit cards","Payment networks","Retail banking","Consumer lending","Digital banking","Discover acquisition integration"]
Fundamentals
- Price$200.10 as of 2026-07-09 close
- Market cap$122.7B as of 2026-07-10
- 1-year return-8.2% as of 2026-07-09 close
- P/E38.07 as of 2026-07-10
- Net margin+14.9% as of 2026-07-10
- ROE+2.9% as of 2026-07-10
- Debt / equity0.45 as of 2026-07-10
- Revenue growth (YoY)+38.2% as of 2026-07-10
- Revenue CAGR (3y)+16.0% SEC XBRL
- Beta1.03 as of 2026-07-10
Dividend: yield +1.7%; 5-year non-decreasing per-share dividend streak (SEC XBRL).
Key risks (from latest filing)
["Credit risk concentration in credit card portfolio, particularly sensitive to consumer credit quality and economic cycles","Operational and integration risk from the large Discover acquisition ($51.8 billion fair value), including consolidation of payment networks and technology systems","Regulatory risk as a systemically important financial institution subject to increased prudential regulation, capital requirements, and stress testing"]
Competitors & peers
Fundamentals: Finnhub, as of 2026-07-10. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-09.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date.