--- title: Capital One (COF) — intrinsic value and fair price canonical: https://sweetvaluelab.com/stocks/cof ticker: COF as_of: 2026-10-17 sector: Financial Services industry: Financial - Credit Services --- # Capital One (COF) Capital One (COF) closed at $201.74 on Oct 16, 2026, overvalued by 10% vs its model value of $183.89 (from the justified price to tangible book). ## Key figures | Figure | Value | | --- | ---: | | Last close | $201.74 (Oct 16, 2026) | | Model value (from the justified price to tangible book) | $183.89 | | Price vs model | overvalued by 10% vs model | | Range of that model | $160.90 – $214.54 | | Market value | $123.8B | | P/E (fiscal 2025) | 50.1 | | Net margin (fiscal 2025) | 3.5% | | Free cash flow (fiscal 2025) | $26.1B | | Dividend yield (trailing twelve months) | 1.59% | | Beta | 1.04 | | Cost of capital (WACC) | 10.62% | | Business classification | Mature & Stable (Moderate growth (~20% recent), High profitability (30% net margin), Pays dividends, Highly cyclical earnings, Strong FCF yield (21.1%)) | ## Dividends | Figure | Value | | --- | ---: | | Trailing dividend yield | 1.59% | | Dividends per share, last 12 months | $3.20 | | Dividends / earnings (fiscal 2025) | 61.8% | | Raised | 1 years in a row | | Growth over 5 years | 8.8% a year | | Latest payment | $0.80, ex-date Aug 17, 2026, paid Sep 1, 2026 | | Year of payments | Dividends per share | | --- | ---: | | To Aug 6, 2021 | $2.10 | | To Aug 5, 2022 | $2.40 | | To Aug 4, 2023 | $2.40 | | To Aug 12, 2024 | $2.40 | | To Aug 15, 2025 | $2.40 | | Trailing twelve months (to Aug 17, 2026) | $3.20 | ## Valuation models Each model's value per share and the role the engine gave it for this business. The headline above is one model's value; every other model is listed with its own, and each has a page of its own under the valuation. Computed Oct 17, 2026. | Model | Role | Value per share | Low | High | | --- | --- | ---: | ---: | ---: | | P/TBV · justified | primary | $183.89 | $160.90 | $214.54 | | P/E · peers | cross check | $155.28 | $142.32 | $175.96 | | P/E · own history | cross check | $146.05 | $68.54 | $233.51 | | PEG | sanity check | $513.33 | $513.33 | $513.33 | | Dividend discount | cross check | $69.52 | $48.16 | $103.14 | ## Insider activity (SEC Form 4) Past 90 days: 0 open-market buys ($0) and 18 open-market sales ($8.6M); 10b5-1 plan sales included. | Date | Insider | Relationship | Transaction | Shares | Value | | --- | --- | --- | --- | ---: | ---: | | Oct 6, 2026 | Cooper Matthew W | General Counsel & Corp Secy | Open-market sell (10b5-1 plan) | 3,500 | $686,770 | | Sep 15, 2026 | Karam Celia | Pres, Retail Bank | Open-market sell (10b5-1 plan) | 2,017 | $415,643.2 | | Sep 15, 2026 | Dean Lia | Pres, Banking & Prem. Products | Open-market sell (10b5-1 plan) | 2,066 | $425,740.6 | | Sep 1, 2026 | Cooper Matthew W | General Counsel & Corp Secy | Open-market sell (10b5-1 plan) | 3,500 | $749,350 | | Aug 17, 2026 | Dean Lia | Pres, Banking & Prem. Products | Open-market sell (10b5-1 plan) | 2,192 | $494,339.8 | ## Recent SEC filings | Filed | Form | What | Filing | | --- | --- | --- | --- | | Sep 15, 2026 | 8-K | 8.01 Other Events; 9.01 Financial Statements and Exhibits | https://www.sec.gov/Archives/edgar/data/927628/000119312526391921/d458116d8k.htm | | Sep 15, 2026 | 8-K | 7.01 Regulation FD Disclosure; 9.01 Financial Statements and Exhibits | https://www.sec.gov/Archives/edgar/data/927628/000092762826000134/cof-20260915.htm | | Sep 15, 2026 | 8-K | 7.01 Regulation FD Disclosure; 9.01 Financial Statements and Exhibits | https://www.sec.gov/Archives/edgar/data/927628/000092762826000132/cof-20260914.htm | | Sep 8, 2026 | 424B5 | Prospectus supplement | https://www.sec.gov/Archives/edgar/data/927628/000119312526384286/d28156d424b5.htm | | Sep 1, 2026 | 8-K | 5.03 Amendment to Articles/Bylaws; 9.01 Financial Statements and Exhibits | https://www.sec.gov/Archives/edgar/data/927628/000119312526378455/d477310d8k.htm | ## Superinvestors holding it (latest 13F) | Manager | Quarter | Shares | Value | | --- | --- | ---: | ---: | | Bill Nygren | 2026-06-30 | 11,492,010 | $2.3B | | Dodge & Cox | 2026-06-30 | 9,117,926 | $1.8B | | Christopher Davis | 2026-06-30 | 8,270,946 | $1.7B | | Richard Pzena | 2026-06-30 | 4,593,920 | $921.6M | 18 tracked managers in all. ## About Capital One Financial Corporation, identified by its ticker COF, operates as a prominent financial services holding company. It oversees essential subsidiaries such as Capital One Bank (USA), National Association, and Capital One, National Association, which collectively offer a broad spectrum of financial products and services throughout the United States, Canada, and the United Kingdom. The company structures its extensive operations into three core divisions: Credit Card, Consumer Banking, and Commercial Banking. Clients can utilize various deposit instruments, including checking accounts, money market accounts, negotiable order of withdrawal (NOW) accounts, savings accounts, and time deposits. Capital One's lending solutions are equally comprehensive, encompassing credit card financing, personal auto and retail banking loans, as well as significant commercial and multifamily real est… --- Source: https://sweetvaluelab.com/stocks/cof (SweetValueLab, free, no account). Prices and statements from Financial Modeling Prep; filings from SEC EDGAR. Research and educational data, not investment advice; nothing here is a recommendation to buy, sell or hold any security.