Capital One Financial Corporation (COF) is a major bank holding company and financial services provider in the US, founded in 1994. With a market cap of $139.8 billion, it operates in Credit Card, Consumer Banking, and Commercial Banking segments.

COF stock prices have underperformed the market, rising only 7.6% in the past year and dropping 11.5% YTD. They have also outpaced the State Street Financial Select Sector SPDR Fund (XLF).

Shares of Capital One fell 6.2% after reporting Q4 2025 results below profit expectations. Adjusted EPS was $3.86, lower than the $4.14 estimate, with an efficiency ratio of 60%. Despite revenue exceeding forecasts, weaker profitability drove the negative reaction.

Analysts predict COF will have an adjusted EPS of $20.21 for the current year, up 3.1% YoY, with a mixed earnings surprise history. Consensus rating among 23 analysts is a “Strong Buy.”

Truist Securities lowered Capital One’s price target to $275 from $290, maintaining a “Buy” rating. The adjustment followed Q4 results, citing elevated expenses and dilution from the Brex acquisition. Investors are now focused on whether expense pressures have peaked.

Read more at Yahoo Finance: Do Wall Street Analysts Like Capital One Financial Stock?