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Upturn AI SWOT - About
COF 
Capital One Financial Corporation (COF)
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Upturn Advisory Summary
04/01/2025: COF (3-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 17.07% | Avg. Invested days 45 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 68.25B USD | Price to earnings Ratio 15.39 | 1Y Target Price 211.72 |
Price to earnings Ratio 15.39 | 1Y Target Price 211.72 | ||
Volume (30-day avg) 4667395 | Beta 1.48 | 52 Weeks Range 126.86 - 210.67 | Updated Date 04/1/2025 |
52 Weeks Range 126.86 - 210.67 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 1.34% | Basic EPS (TTM) 11.58 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 17.34% | Operating Margin (TTM) 19.58% |
Management Effectiveness
Return on Assets (TTM) 0.98% | Return on Equity (TTM) 7.99% |
Valuation
Trailing PE 15.39 | Forward PE 11.31 | Enterprise Value 77355057152 | Price to Sales(TTM) 2.49 |
Enterprise Value 77355057152 | Price to Sales(TTM) 2.49 | ||
Enterprise Value to Revenue 2.91 | Enterprise Value to EBITDA - | Shares Outstanding 382959008 | Shares Floating 368717191 |
Shares Outstanding 382959008 | Shares Floating 368717191 | ||
Percent Insiders 3.04 | Percent Institutions 93.21 |
Analyst Ratings
Rating 3.64 | Target Price 200.06 | Buy 4 | Strong Buy 6 |
Buy 4 | Strong Buy 6 | ||
Hold 11 | Sell - | Strong Sell 1 | |
Strong Sell 1 |
Upturn AI SWOT
Capital One Financial Corporation
Company Overview
History and Background
Capital One was founded in 1988 as a credit card division of Signet Bank. It spun off as an independent company in 1994 and has since expanded into a diversified financial services company.
Core Business Areas
- Credit Cards: Offers a wide range of consumer and commercial credit cards, including rewards cards, low-interest cards, and balance transfer cards. Generates revenue through interest income, interchange fees, and other fees.
- Consumer Banking: Provides banking products and services, including checking accounts, savings accounts, auto loans, and home loans. It also includes wealth management services.
- Commercial Banking: Offers lending, deposit, and treasury management services to businesses and commercial clients.
Leadership and Structure
Richard Fairbank serves as Chairman and Chief Executive Officer. The company is organized into business segments, with executive leadership overseeing each segment.
Top Products and Market Share
Key Offerings
- Credit Cards: Capital One is one of the largest credit card issuers in the U.S. Competitors include Chase, American Express, and Citi. Market share data is constantly fluctuating based on rewards card promotion, credit limit risk and customer acquisition campaigns.
- Auto Loans: Offers auto loans to consumers through dealerships and direct lending. Competitors include Ally Financial, Bank of America, and local credit unions. The auto loan market has suffered after the global pandemic with a return in the volume of defaulted loans.
- Banking Products: Offers checking, savings, and money market accounts. Competitors include Bank of America, Wells Fargo, Chase.
Market Dynamics
Industry Overview
The financial services industry is highly competitive and heavily regulated. It is influenced by economic conditions, interest rates, and consumer spending habits.
Positioning
Capital One positions itself as a technology-focused, customer-centric financial institution. Its competitive advantage lies in its data analytics capabilities and marketing strategies.
Total Addressable Market (TAM)
The TAM for financial services is estimated to be in the trillions of dollars. Capital One is positioned to capture a significant share of this market through its diverse product offerings and customer-centric approach.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Advanced data analytics capabilities
- Diverse product offerings
- Large customer base
- Efficient marketing strategies
Weaknesses
- High reliance on credit card revenue
- Exposure to credit risk
- Vulnerability to economic downturns
- Regulatory scrutiny
Opportunities
- Expansion into new markets
- Development of innovative financial products
- Increased focus on digital banking
- Strategic acquisitions
- Partnerships with fintech companies
Threats
- Increased competition from fintech companies
- Rising interest rates
- Economic recession
- Changes in regulations
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- JPM
- BAC
- C
- DFS
- SYF
Competitive Landscape
Capital One faces intense competition from other large banks and fintech companies. It competes on price, product features, and customer service. Capital One has been investing heavily into tech and that has helped retain the market share.
Major Acquisitions
BlueTarp Financial
- Year: 2019
- Acquisition Price (USD millions): 0
- Strategic Rationale: Acquired to bolster commercial credit offerings for small and medium-sized businesses.
Growth Trajectory and Initiatives
Historical Growth: Capital One has experienced steady growth in revenue and earnings over the past decade.
Future Projections: Analysts project continued growth in revenue and earnings, driven by increased credit card spending and expansion into new markets.
Recent Initiatives: Capital One has invested heavily in digital banking and technology innovation. It has also launched new credit card products and expanded its commercial banking business.
Summary
Capital One is a strong financial institution with a large customer base and a diverse product offerings. Its strengths lie in its data analytics capabilities and its brand recognition. However, it faces challenges from increased competition and regulatory scrutiny. Capital One needs to focus on managing credit risk and expanding into new markets to sustain its growth.
Similar Companies
BAC
Bank of America Corp
BAC
Bank of America Corp
C
Citigroup Inc
C
Citigroup Inc
DFS
Discover Financial Services
DFS
Discover Financial Services
JPM
JPMorgan Chase & Co
JPM
JPMorgan Chase & Co
MA
Mastercard Inc
MA
Mastercard Inc
SYF
Synchrony Financial
SYF
Synchrony Financial
V
Visa Inc. Class A
V
Visa Inc. Class A
Sources and Disclaimers
Data Sources:
- Company filings (10K, 10Q), Earnings Call Transcripts, Market Research Reports, Analyst Estimates
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Market share data is approximate and may vary based on source and methodology. Financial data is as of the last available reporting period.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Capital One Financial Corporation
Exchange NYSE | Headquaters McLean, VA, United States | ||
IPO Launch date 1994-11-15 | CEO - | ||
Sector Financial Services | Industry Credit Services | Full time employees 52600 | Website https://www.capitalone.com |
Full time employees 52600 | Website https://www.capitalone.com | ||
Capital One Financial Corporation operates as the financial services holding company for the Capital One, National Association, which engages in the provision of various financial products and services in the United States, Canada, and the United Kingdom. It operates through three segments: Credit Card, Consumer Banking, and Commercial Banking. The company accepts checking accounts, money market deposits, negotiable order of withdrawals, savings deposits, and time deposits. Its loan products include credit card loans; auto and retail banking loans; and commercial and multifamily real estate, and commercial and industrial loans. The company offers credit and debit card products; online direct banking services; and provides advisory, capital markets, treasury management, and depository services. It serves consumers, small businesses, and commercial clients through digital channels, branches, cafés, and other distribution channels located in New York, Louisiana, Texas, Maryland, Virginia, New Jersey, and California. Capital One Financial Corporation was founded in 1988 and is headquartered in McLean, Virginia.
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