COF · NYSE · STOCK
Capital One (COF) Stock Analysis
$199.23
52W $174.24 – $259.64
70/100
$122.24B
12.3
1.04
Is COF Bullish or Bearish?
Bullish.
Innellis AI committee rates Capital One (COF) Buy with a composite score of 70/100
, based on 5 analysts with 100% agreement.
Last updated October 10, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +5.05 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -14.95 from today. The band boundary is 60.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The committee is genuinely divided. Growth Analyst sees a compelling case — revenue growing 38.2% yoy -- genuine top-line momentum. Portfolio Manager remains cautious — sector concentration is already high (hhi 2796.97). This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
- P/E of 11.6 is inexpensive for the broad market — Value
- Price-to-book of 1.4x is a discount to asset value — Value
- Revenue growing 38.2% YoY -- genuine top-line momentum — Growth
- EPS growing 522.0% YoY — Growth
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
- MACD histogram positive -- bullish momentum — Technical
Bear Case
- Both daily and weekly trends are bearish — strong multi-timeframe downtrend.
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of October 10, 2026
Overall Committee Score
70/100
Agreement
100%
Analysts
5
Conviction
Unanimous
Sector Rank
Top 5%
of 211 Financial Services peers
Value Analyst
bullish
77
/ 100 · Moderate confidence
Classic value case: cheap on multiples with earnings power to back it up
+ P/E of 11.6 is inexpensive for the broad market
Growth Analyst
bullish
85
/ 100 · High confidence
Strong, accelerating growth with consistent execution
+ Revenue growing 38.2% YoY -- genuine top-line momentum
Technical Analyst
bullish
61
/ 100 · High confidence
Price action is constructive -- trend and momentum agree
+ MACD histogram positive -- bullish momentum
Macro Analyst
bullish
65
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
News Analyst
bullish
62
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
Portfolio Manager
bearish
30
/ 100 · Moderate confidence
The existing book itself argues for caution here, independent of how good this specific stock looks
− Sector concentration is already high (HHI 2796.97)
Investment Thesis Evolution
Committee score moved marginally from 70.0 to 70.0.
- Bullish support removed: 1 signal(s) disappeared.
- New bullish signals: 1 appeared.
Analyst-level changes:
- Value Analyst: +1 bullish signal(s).
Comparing 2026-10-09 to 2026-10-10 (1 day apart).
Technical Analysis
RSI (14)
54.4
Neutral
MACD Histogram
0.639
Bullish Momentum
Trend Direction
Sideways
Weekly: Sideways
Market Structure
Hh Hl
Support
$199.19
Resistance
$210.66
Bollinger %B
0.51
Inside Bands
Price vs Moving Averages
EMA 9
$197.43
Above
EMA 21
$200.22
Below
EMA 50
$204.25
Below
EMA 200
$204.18
Below
Fundamental Analysis
Valuation
100
Growth
80
Profitability
45
Financial Health
50
Cash Flow
70
Valuation
P/E Ratio
12.3×
P/B Ratio
1.09×
PEG Ratio
0.02
Dividend Yield
1.61%
52W High
$259.64
52W Low
$174.24
Quality & Growth
ROE
215.9%
ROA
36.7%
Gross Margin
6619.1%
Operating Margin
2101.9%
Revenue Growth YoY
—
Debt / Equity
0.40
AI Fundamental Assessment
P/E ratio of 12.3 (inexpensive relative to a 15-40x range); Price-to-book of 1.1x; PEG ratio of 0.0 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 2.2%; Return on assets of 0.4%; Net margin of 13.4%; Gross margin of 66.2%; Current ratio of 0.13 (tight short-term liquidity); Debt-to-equity of 0.40; Free cash flow per share is positive (51.89); Most recent quarter beat estimates by 21.0%; EPS growth accelerating (+14.5% -> +31.4% QoQ); Average YoY EPS growth of 6.0%; Analyst estimates rising over recent quarters
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