COF · NASDAQ · STOCK
Capital One
$217.65
52W $174.24 – $259.64
70/100
$133.59B
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 70/100
, based on 4 analysts with 75% agreement.
Last updated August 08, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +5.34 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 — -14.66 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 primary driver is quarter-over-quarter growth rate is accelerating, not just positive. Most analysts agree, and no major concerns are blocking a stronger rating.
Bull & Bear Case
Bull Case
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
- Price structure making higher highs and higher lows — Technical
- MACD histogram positive -- bullish momentum — Technical
- Trend and market structure agree -- coherent bullish picture — Technical
- Market regime is bullish (Bull market -- normal position sizing) — Macro
Bear Case
- Weekly trend is bearish while daily is bullish — against the higher-timeframe trend.
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 08, 2026
Overall Committee Score
70/100
Agreement
75%
Analysts
4
Conviction
High
Sector Rank
Top 17%
of 142 Financial Services peers
Growth Analyst
bullish
85
/ 100 · Low confidence
Strong, accelerating growth with consistent execution
+ Quarter-over-quarter growth rate is ACCELERATING, not just positive
Technical Analyst
bullish
68
/ 100 · High confidence
Price action is constructive -- trend and momentum agree
+ Price structure making higher highs and higher lows
Macro Analyst
bullish
70
/ 100 · Moderate confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
+ Market regime is bullish (Bull market -- normal position sizing)
News Analyst
neutral
55
/ 100 · Low confidence
News flow is mixed or quiet -- no strong signal either way right now
Portfolio Manager
neutral
55
/ 100 · Moderate confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− 4 existing position pair(s) are highly correlated already
Investment Thesis Evolution
Committee score moved marginally from 69.7 to 69.7.
Comparing 2026-08-07 to 2026-08-08 (1 day apart).
Technical Analysis
RSI (14)
61.4
Neutral
MACD Histogram
0.910
Bullish Momentum
Trend Direction
Uptrend
Weekly: Sideways
Market Structure
Hh Hl
Support
$203.77
Resistance
$228.11
Bollinger %B
0.79
Inside Bands
Price vs Moving Averages
EMA 9
$215.67
Above
EMA 21
$210.61
Above
EMA 50
$203.85
Above
EMA 200
$202.23
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
1.38%
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
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