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McLean, Virginia-based Capital One Financial Corporation (COF) operates as a bank holding company focusing on consumer and commercial lending as well as deposit origination. With a market cap of $77.1 billion, Capital One operates through Credit Card, Consumer Banking, and Commercial Banking segments.
Capital One has significantly outperformed the broader market over the past year. COF stock has soared 49.6% over the past 52 weeks and 13.4% on a YTD basis, compared to the S&P 500 Index’s ($SPX) 22.3% surge over the past year and 4% gains in 2025.
Zooming in further, Capital One has also outpaced the Fidelity Disruptive Finance ETF’s (FDFF) 30.8% gains over the past year and 5.8% returns on a YTD basis.
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Capital One’s stock prices soared 4% in the trading session after the release of its impressive Q4 results on Jan. 21. Driven by the solid business momentum and continued growth in interest income, the company reported a 7.2% year-over-year growth in total net revenues to $10.2 billion, exceeding the Street’s expectations by 32 basis points. Furthermore, the company has observed a notable growth in profitability, with its adjusted net income to shareholders surging 38.1% year-over-year to $1.2 billion and its non-GAAP EPS of $3.09 surpassing the consensus estimates by 16.2%.
For the current fiscal 2025, ending in December, COF is expected to deliver a robust 12.1% year-over-year growth in EPS to $15.65. However, the company has a mixed earnings surprise history. While it surpassed the Street’s bottom-line expectations twice over the past four quarters, it missed the estimates on two other occasions.
Among the 21 analysts covering the COF stock, the consensus rating is a “Moderate Buy.” That’s based on 10 “Strong Buy,” one “Moderate Buy,” and 10 “Hold” ratings.
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This configuration is notably more bullish than two months ago when only six analysts gave “Strong Buy” recommendations.
On Jan. 27, Truist Securities analyst Brian Foran reiterated a “Buy” rating on Capital One, while raising the price target to $257 which suggests a staggering 27.1% upside potential from current price levels.
Meanwhile, COF’s mean price target of $216.39 represents a 7% premium to current price levels.