COF · NYSE · STOCK
Capital One (COF) Stock Analysis
$216.27
52W $174.24 – $259.64
69/100
$133.68B
13.5
1.02
⚠
Buy rating, but near-term risk/reward is unfavorable
The long-term recommendation is based on the composite investment score. The near-term risk/reward is based on nearby support and resistance levels. These can differ when a strong company trades close to resistance with support further below.
Is COF Bullish or Bearish?
Bullish.
Innellis AI committee rates Capital One (COF) Buy with a composite score of 69/100
, based on 5 analysts with 80% agreement.
Last updated August 24, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +6.35 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 — -13.65 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 split. Analysts see this stock differently enough that the current rating reflects genuine uncertainty, not a weak signal.
Bull & Bear Case
Bull Case
- P/E of 12.9 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
- Price structure making higher highs and higher lows — Technical
Bear Case
- MACD histogram negative -- bearish momentum — Technical
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 August 24, 2026
Overall Committee Score
69/100
Agreement
80%
Analysts
5
Conviction
High
Sector Rank
Top 7%
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 12.9 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
+ Price structure making higher highs and higher lows
− MACD histogram negative -- bearish 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
neutral
55
/ 100 · Low confidence
News flow is mixed or quiet -- no strong signal either way right now
Portfolio Manager
neutral
45
/ 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 3069.37)
Investment Thesis Evolution
Committee score moved marginally from 68.7 to 68.7.
Comparing 2026-08-23 to 2026-08-24 (1 day apart).
Technical Analysis
RSI (14)
49.3
Neutral
MACD Histogram
-1.010
Bearish Momentum
Trend Direction
Uptrend
Weekly: Uptrend
Market Structure
Hh Hl
Support
$203.77
Resistance
$228.11
Bollinger %B
0.52
Inside Bands
Price vs Moving Averages
EMA 9
$219.00
Below
EMA 21
$216.45
Below
EMA 50
$209.31
Above
EMA 200
$203.97
Above
Fundamental Analysis
Valuation
100
Growth
80
Profitability
45
Financial Health
50
Cash Flow
70
Valuation
P/E Ratio
13.5×
P/B Ratio
1.19×
PEG Ratio
0.02
Dividend Yield
1.47%
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 13.5 (inexpensive relative to a 15-40x range); Price-to-book of 1.2x; 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
Get the Full COF Analysis
Interactive charts · Live committee votes · Trade plan · Paper trading · AI Q&A
Open in Terminal →