Capital One Financial (COF) stock

Credit cards and loans , market cap $123B

Credit card, auto, and commercial loans

Worth $123B

$195.84

-1.38%

As of Tuesday's close · Live for Pro members at the open

Quality Score

Below Average

In its industry

#128of 168

Banks

Checks firing

2of 14

Choppy

From 52-week high

-24.6%

under its best in a year

COF's Quality Score fell 1 point on Tue, Nov 10, to 5. Trading went back to normal after a busy day.

See COF's 14 chart checksSee it live, free until Thursday morning. No account. No card. Then keep going with a free account.

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Why is COF down?

Down 8% in a year while the S&P 500 rose 12%.

Its pretax margin went from 15.1% in fiscal 2024 to 4.3% in fiscal 2025.

Sources: Price history, Nov 9, 2026; Annual reports, Dec 31, 2025

The other side and the timeline, for Pro members.

Key facts on COF

Key facts on COF
Holding it back	Below a falling 200-day average down over one year
Latest filing	10-Q, Nov 3 Filed its quarterly report (10-Q) for the quarter to Sep 30, 2026

1 more reason behind COF's 5, free with an account →2 more reasons behind COF's 5, for Pro members.

What moves banks

Rate gap, 10-year minus 2-year+0.25 pt-0.09 ptTue Nov 10in a week

The 10-year Treasury yield minus the 2-year. Banks pay deposit rates tied to the short end and lend at rates tied to the long end, so this gap is one measure of their lending spread.

U.S. Treasury, daily yield curve, Tue Nov 10. Change over the week.

Net interest margin, deposits, 10-year Treasury yield, and 5 more, for Pro members.

What's next

Mon Nov 16: Ex-dividend, $0.80 a shareAt the open. Pays Dec 1.

1 more date ahead: the conference, for Pro members.

COF catalysts

Coming up

After its last 4 reports it closed -2.2% on average, higher 1 of 4 times.

6 past catalysts since 2018, with sizes and sources, for Pro members.

Why COF scores 5

Below Averagefor quality, not price, 2 of 14 chart checks firingWhat the Quality Score means

+2Chart checks 2 of 14 firing right now, one point each
−2Long-term trend below a falling 200-⁠day average, down over one year

Size adds
Profit addsRead on the last four quarters against the four before, or the last full year where no quarters are filed.
Growth addsSales and margins against a year earlier: up to +3 for fast growth and widening margins, down to -2 when both shrink.

No effect today: Run-up, Dilution, Volatility, Cash flow, Persistence, and News.

What every line is worth, and the reason behind it, on COF and every other stock.Get in free →

Price, score, chart checks, and the industry rank are from a snapshot taken at 11:18 PM ET, at least 15 minutes behind. How we rank stocks.

Tested. Our top-scored stocks returned 2.2x the average stock over the next month. Reconstructed after the fact; recorded live since Sep 9, 2026. How we tested it

Alert me when COF's Quality Score turns up

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How COF ranks in Banks

COF is #128 of 168 by Quality Score.

How COF ranks in Banks
Rank	Stock	Checks	Quality Score
1	TMPTompkins Financial	8/14	18
2	CBCCentral Bancompany	10/14	18
3	CHCOCity	8/14	17
	CMCanadian Imperial Bank of Commerce		Open for its score
	CNOBCenter Bancorp		Open for its score
	COLBColumbia Banking Systems		Open for its score
	CUBICustomers Bancorp		Open for its score
128	COFCapital One Financial	2/14	5

Sales over four quarters against a year before: COF +31%, BAC +5.4%.

When does COF report earnings, and what happens after?

Expected to report Tue Jan 19, after the close (in 70 days).

What an earnings report is: every 3 months, a company tells everyone how much it sold and earned. We read the figures, the outlook, and how the stock moved after.

What COF reported on Oct 20, 2026

The quarter

Revenue of $16.3B; a profit of $5.61 a share.

The quarter that ended Sep 30, from the company's press release

The press release The filing on EDGAR

Where the sales came from

Where the quarter's sales came from
Line	Q3 2026	Q2 2026	Q3 2025
By product
Interchange Fees, Contractsup 29%	$2.3B14%	$2.3B14%	$1.8B12%

Each quarter's sales and their share of its total. Figures as filed (SEC filing, Nov 3)

5 more lines, for Pro members.

The outlook

No outlook figures read from this release.

The numbers

Market value: $123B; today
Sales: $63B; up 31.1% on the year

Sales grew 13% a year over 5 years, fiscal 2020 to 2025.

Pays $3.20 a share a year.

2 more figures, for Pro members.

No analyst estimates on Breakaway: every figure here is filed.

The whole report on COF: every line of its sales, every outlook beside the one it replaced, and the company's words, for Pro members.

Close after the report, last 3

-1.5%-2.4%+2.5%

Apr 21Jul 21Oct 20

Reported	When	Gap	Reaction	5 days
Oct 20, 2026After close	After close	+2.4%	+2.5%	+0.9%
Jul 21, 2026After close	After close	+0.6%	-2.4%	+3.0%
Apr 21, 2026After close	After close	0.0%	-1.5%	-5.1%

COF closed higher after 1 of its last 4 reports.

All 4 reports, and COF's Quality Score going into each

COF sales and profit by year

Sales and profit by year

Sales grew in six of the last seven years, to $53B in 2025. It made a profit in each of the eight years.

COF has 2 of 14 chart checks firing

Trend1 of 5 shown

MA FAN 21 EMA W.EMA HH/HL 52W HI

Volume1 of 3 shown

VOL VDU U/D VOL

Tight range1 of 3 shown

ATR SQZ SQUEEZE NR7

Buying1 of 3 shown

OBV+CLOSE HI SPRING

The other 10 checks on COF, and all 14 on every stock.Get in free →

COF RSI today: 40.0, below its 50-day and 200-day averages

Not scored

RSI 40.0, MACD below signal, below both averages. Not scored.13 readings

The deep dive on COF

Where it stands1 findingIts share count fell 4.7% in the year to Sep 30, 2026.Weighted shares, the quarter to Sep 30, 2026
What changed in its filings3 findings"In November 2024, the court denied our motion to dismiss." (10-K for fiscal 2025)SEC filing · Feb 19, 2026New in its "Risk Factors" this year: "For example, the Guiding and Establishing National Innovation for U.S. Stablecoins Act of 2025 (GENIUS Act) provides a legal framework for stablecoins to be issued in the United States, which may allow new and existing competitors to compete for funds that may have otherwise been deposited with banks, such as the Bank." (10-K for fiscal 2025)SEC filing · Feb 19, 2026
Who holds and trades it6 findingsFor Pro members6 findings on who holds and trades COF, for Pro members
Against its closest peers1 peerSales over four quarters against a year before: COF +31%, BAC +5.4%.

7 more findings on COF, each with its source, for Pro members.

Is COF's dividend covered? What its financials say

Its dividends come to 7% of its free cash flow.

COF's dividend against its free cash flow
Dividend	$3.20 a share a year Paid 4 times a year
Paid out	About $1.9B a year $3.20 a share on 602M shares, the count on its cover page as of Sep 30, 2026
Free cash flow	$26B The last four quarters, to Sep 30, 2026
Record	Raised in the last year Against the payout a year before, each year

COF insider trades

2 insiders sold $1.9M across 2 filings in the last 6 months. No open-⁠market buys on record. The newest:

SellMichael Zamsky$1.2MChief Credit & Fin'l Risk Off.at $218.02 on Aug 10, filed Aug 11

SellMichael ZamskyChief Credit & Fin'l Risk Off.$1.2Mat $218.02 on Aug 10, filed Aug 11

COF trades by Congress and the executive branch

19 trades disclosed in the last six months. The newest:

SellRo Khanna$1K to $15KHousetraded Oct 7, disclosed Nov 5(29 days later)

SellRo KhannaHouse$1K to $15Ktraded Oct 7, disclosed Nov 5(29 days later)

All 19 trades on COF disclosed by Congress and the executive branch, for Pro members.Get in free →

See what Congress is buying across the market

COF's officers and directors

Officers and directors with a Form 4 in the last 12 months.

Richard D. FairbankChairman and CEO · 2 trades
Andrew M. YoungChief Financial Officer · no trades on file
Celia KaramPres, Retail Bank · 9 trades
Lia DeanPres, Banking & Prem. Products · 8 trades
Matthew W. CooperGeneral Counsel & Corp Secy · 8 trades
Mark Daniel MouadebPresident, Card · 5 trades
Ravi RaghuPres, Software, Intl & Sm Bus · 3 trades
Kaitlin HaggertyChief Human Resources Officer · 2 trades

20 more officers and directors file at COF.

See insider trades by person

Which ETFs hold COF?

In ETFs: COF is 0.5% of VYM, 0.2% of VOO, and 0.2% of IVV, the most of the 24 funds Breakaway covers, by each fund's latest filing, Jun 30 to Jul 31, 2026.

About Capital One Financial

Capital One Financial is a diversified financial services holding company headquartered in McLean, Virginia. Originally a spinoff of Signet Financial's credit card division in 1994, the company is now primarily involved in credit card lending, auto loans, and commercial lending. Following the acquisition of Discover in 2025, the firm also has a modest personal loan business, though credit card lending provides the majority of the bank's revenue.

77,500 employeesMcLean, VAcapitalone.com

What Capital One Financial says it competes with

“Each of our business segments operates in a highly competitive environment, and we face competition in all aspects of our business from numerous bank and non-bank providers of financial services.”

From its annual report, SEC filing · Feb 19, 2026

Here is what Pro members see.

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Its Quality Score and rank, the line that drives it, and the live price.
The full chart
A year of candles to start, out to the whole history, with insider trades marked and the Quality Score under the price.
Every line of the score
Price action, the company, and signals, each with its points, on COF and every other stock.
CEOs buying their own stock
Every CEO buy, biggest names first. Sort, filter, save the list, and set optional alerts.
Congress trades
A member's trades, newest first, each with its amount. Sort and filter the whole list.
14 chart checks, read for you
The ones firing on the stock, each in plain words, its rule a tap away.
Earnings, week by week
Who reports each day, and how each stock took its last four reports.
FDA dates, counted down
Each date in the company's words, its cash against the date, and an optional alert before it.
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What would turn COF's score around: 4 things
4 more filings explained, a plain line each
Real-⁠time prices, no delay

BreakawayOct 8Donald Trump bought COF$100K to $250K, disclosed Oct 8

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See COF's 14 chart checks

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Straight AnswersStraight Answers

As of Nov 10, 2026: COF's Quality Score is 5 (Below Average), #128 of 168 in Banks. Insiders sold $1.9M in the last 6 months (Form 4).

What does COF's Quality Score say?

COF scores 5 today, which Breakaway calls Below Average. It is #128 of 168 in Banks by Quality Score, with 2 of 14 chart checks firing. Down 8% in a year while the S&P 500 rose 12%. Breakaway does not say whether to buy any stock: the score does not know your situation, and it is not a recommendation to buy or sell anything. Please do your own research.

What is COF's Quality Score?

COF scores 5 today, which Breakaway calls Below Average (0 to 5). That is #128 of 168 in Banks by Quality Score. The score adds up the chart checks, the trend, the company's filed sales, its profits, the news, insider trades, and Congress trades. The section above lists the lines behind COF's 5.

Are insiders buying COF?

2 insiders sold $1.9M across 2 filings in the last 6 months. No open-⁠market buys on record. The newest is Michael Zamsky, Chief Credit & Fin'l Risk Off., who sold $1.2M on Aug 10. Every filing, with the scored weight, for Pro members.

Are the prices delayed?

Only on the public pages, which run at least 15 minutes behind. Pro members, and anyone on a guest pass, see real-time prices: the scanner refreshes every 15 seconds, and your watchlist every few seconds, pre-market and after hours included.