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Capital One
COF · NYSEFinancials — Consumer Banking
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Fundingdeposits & capital inRules &oversightthe refereesInstitutionsbanks & money managersProducts &serviceswhat they sellMarkets &distributionwhere it changes handsBorrowers &investorswho pays & savesDEPDepositors & saversWHLBond & securitization fundingFEDFederal ReserveREGRegulators & deposit insuranceCOFCapital OneCRDCredit cardsAUTAuto loansDPBDeposits & consumer bankingNETDiscover / PULSE networkBRDigital & café branchesMRCMerchants & acquirersBIZSmall businessesYOUConsumers
Company details
Market cap
~$135B
Total assets
~$660B
US card share
~22%
P/E ratio
~13×
Div yield
~1.2%
Net interest margin
~7%
Revenue (TTM)
~$50B
Adj. EPS (Q2'25)
$5.48
In plain English
Capital One is a data-driven consumer bank built around credit cards and auto loans, funded by a fast-growing base of online deposits. Its 2025 takeover of Discover (~$35.3B) didn't just bulk it up — it handed Capital One its own payment network (Discover/PULSE), so it can finally run its cards on rails it owns rather than renting Visa and Mastercard's.
In simple terms
What Capital One really sells
Capital One is a data-driven consumer bank built around credit cards and auto loans, funded by a fast-growing base of online deposits. Its 2025 takeover of Discover (~$35.3B) didn't just bulk it up — it handed Capital One its own payment network (Discover/PULSE), so it can finally run its cards on rails it owns rather than renting Visa and Mastercard's.
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Risk read
Moderate
SteadierMore speculative
Why this rating?