Capital One (COF)
NYSEFinancialsCredit ServicesSnapshot 2026-07-08
$191.91-5.41%
Close 2026-07-08 · 1-day change
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Track COF free→Daily closes. Earnings/event dots are placed inline.
Industries move in repeating boom-and-bust cycles. This shows where this stock’s industry sits in that cycle, stage by stage (recovery → expansion → supercycle → steady → deceleration → contraction), from its fundamentals (orders, revenue, capital spending), not the stock’s price.
A booming industry is a tailwind for the names in it; a contracting one is a headwind. Companies in the same industry tend to rise and fall together with the cycle, the way a tide lifts and lowers every boat in the harbor at once, so a large part of a stock’s swing can come from where its industry sits rather than from the company itself. It’s context for reading the company’s results, not a buy/sell call. Full explanation →
Consumer Finance is in steady. Describes the industry's cycle state, not a call on this stock.
The stage band shows the industry’s cycle over the chart’s timeline (each color a stage); a ▼ marks a quarter its growth inflected down — amber is an unconfirmed watch, red is confirmed the next quarter. Use “Overlay cycle on chart” to tint the price chart by stage. The industry’s fundamentals, not a signal on this stock.
Capital One's growth in net income depends on its card business and AI leadership. Recent earnings showed a miss, with revenue down 2% year over year. It trades at 1.1× price-to-book, below the 1.9× peer median. This suggests the price reflects modest growth expectations. The risk comes from potential regulatory challenges that could impact performance. Peer multiples imply a price about 12% above where it trades; this read is provisional.
Trailing returns as of 2026-07-08. COF is total return (includes dividends); the S&P 500 benchmark is price return (the index excludes dividends).
Based on 24 analysts currently covering COF (as of Jul 2026).
Based on 9 Wall Street analysts offering 12-month price targets for COF in the last 4 months.
A consensus fair price across 14 valuation methods, at three horizons. Current price $191.91. As of 2026-07-08. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
Today's peer multiple on trailing earnings, with no growth credited. This is the headline read.
Adds projected growth, so it leans optimistic by design. Read it as upside context, not a base case.
A price-focused, side-by-side fair-value read versus Consumer Finance — fair value, gap to price, and forward P/E.
CEO questioned over regulatory nominee impacts future operations.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
End-of-day figures as of 2026-07-08. EPS is implied from price ÷ P/E. Not investment advice.
Current $191.91
The last 12 months of price, then the range of analyst 12-month targets from today’s $191.91.
Analyst ratings and price targets are third-party Wall Street estimates, not QuarterlyIQ’s view. Not investment advice.
A long-thesis check that carries the widest uncertainty of the three horizons.
Above average on quality vs scored peers
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
New AI leadership could enhance competitive positioning.
Regulatory overhang may impact financial performance.
Integration with Discover could enhance card offerings.
Advances: Enhance operating income
Policy shifts improve operating efficiency and income growth.
New board member may enhance strategic direction.
Advances: Improve net income
Reshaping payments economics boosts income potential.
Acquisition strengthens tech capabilities.
