可选产品分析
经您允许，我们会使用注重隐私的有限分析来了解哪些研究流程有效。我们不会使用广告跟踪器或会话录制。您可以在偏好设置中更改此选择。请阅读 隐私政策.
Capital One Financial Corporation's published Hold conclusion compares the analysis-date price with fair value and potential value. Read the full report for assumptions, evidence, and material risks.
| Market cap | $122.8B | |
|---|---|---|
| P/E (forward) | 8.5x |
Recent price action with selectable time range.
| Item | P1 | P2 | P3 | P4 | P5 | Trend |
|---|---|---|---|---|---|---|
| Period | 2021-12-31 | 2022-12-31 | 2023-12-31 | 2024-12-31 | 2025-12-31 | Trend |
| Revenue | $4.78B | $5.42B | $5.65B | $5.92B | $8.06B | +14.0% |
| Gross profit | $32.38B | $28.40B | $26.36B | $27.40B | $32.78B | +0.3% |
| Operating income | $15.81B | $9.24B | $6.05B | $5.91B | $2.28B | -38.4% |
| Net income | $12.39B | $7.36B | $4.89B | $4.75B | $2.45B | -33.3% |
| EPS (diluted) | $26.94 | $17.91 | $11.95 | $11.59 | $4.03 | -37.8% |
| EBITDA | $19.29B | $12.45B | $9.27B | $9.15B | $7.54B | -20.9% |
| R&D | — | — | — | — | — | — |
| SG&A | $7.42B | $8.43B | $9.30B | $9.40B | $12.47B | +13.9% |
Recent company headlines from major financial publishers.
The base scenario represents the modal outcome with probability 55.0%, establishing target value of $200.80 and return of 0.3%, which reconciles directly to Fair value of $200.80 with an upside of 0.3% relative to $200.20. In this scenario, core domestic credit card loans deliver steady single-digit growth while deliberate portfolio trimming runs its course. Operating margins sustain normalized levels and credit provisions track historical norms. Disconfirmation would arise if loan growth remains stalled past the Discover integration window or if deposit funding costs rise faster than asset yields.
Under the bull scenario, with probability 20.0%, target value reaches $284.02, offering a return of 41.9% and aligning with Potential value of $284.02. This path requires accelerating domestic card originations, swift realization of network and corporate payment synergies, and operating leverage from cloud infrastructure that drives rapid earnings expansion through FY2027. Disconfirmation would occur if net interest margin compresses or if credit policy adjustments fail to reinvigorate loan balance growth by early next fiscal year.
| Ke ↓ / g → | 2.0% | 2.3% | 2.5% | 2.8% | 3.0% |
|---|---|---|---|---|---|
| 8.3% | $210 | $210 | $210 | $211 | $212 |
| 8.8% | $205 | $205 | $206 | $206 | $206 |
| 9.3% | $200 | $200 | $201 | $201 | $202 |
| 9.8% | $196 | $196 | $196 | $197 | $197 |
| 10.3% | $192 | $192 | $192 | $192 | $193 |
Upcoming earnings date and setup when available.
每月发布的研究版本所给出的评级。评级比较分析日的价格与公允价值，并不记录判断是否正确。
| 年份 | 1月 | 2月 | 3月 | 4月 | 5月 | 6月 | 7月 | 8月 | 9月 | 10月 | 11月 | 12月 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 |
