Capital One Financial

COF · NYSE

$201.56+$1.73 (+0.87%)TodayMarket closed · Oct 20, 4:05 PM ET

Prev close $199.83

COF analyst rating

BuyConsensus of 19 analysts over the last 12 months. 95% rate it a buy.

Strong buy0
Buy18
Hold1
Underperform0
Sell0

12-month price target · 23 analysts

Average $263.76 (+30.9% upside)

Low: $219.89
Now: $201.56
High: $315.00

Upgrades and downgrades

The latest rating actions, newest first

COF analyst upgrades, downgrades and rating actions
Firm	Date	Action	Rating	Price target	Hit rate
JP Morgan	Oct 12, 2026	Maintains	Overweight	$246.00 → $227.00	56%
Morgan Stanley	Oct 12, 2026	Maintains	Overweight	$273.00 → $267.00	33%
BMO Capital	Oct 9, 2026	Initiates	Market Perform	$219.00	51%
TD Cowen	Oct 6, 2026	Maintains	Buy	$253.00 → $242.00	51%
Barclays	Oct 5, 2026	Maintains	Overweight	$240.00 → $237.00	30%
Evercore ISI Group	Oct 1, 2026	Maintains	Outperform	$230.00 → $220.00	49%
Citigroup	Sep 30, 2026	Maintains	Buy	$295.00 → $280.00	40%
Piper Sandler	Sep 28, 2026	Maintains	Overweight	$254.00 → $260.00	72%
Wolfe Research	Aug 25, 2026	Maintains	Outperform	$255.00 → $275.00	59%
UBS	Aug 3, 2026	Maintains	Buy	$275.00 → $280.00	50%

The case for and against

Updated Jul 14, 2026

Bull case

Capital One Financial is likely to see an acceleration in spending growth in their credit card and lending divisions, as well as potential growth in their auto loan segment following the recent acquisition of Discover. This positive outlook is strengthened by the fact that Capital One is acquiring Brex at a modest 7x revenue multiple, similar to the multiples seen in successful companies like Bill.com. Even with potential regulatory hurdles, Capital One has the potential to see significant synergies and profitability from this acquisition.

Bear case

Capital One Financial is set to experience higher expenses in the coming year as they continue to make investments for growth, while also acquiring new businesses such as Discover and Brex. These investments may result in near-term dilution and reduced share repurchases, which has led to a downward revision of our price target on the company. Additionally, there is uncertainty about the success of the Brex acquisition and the integration of Discover's network, which may lead to disappointment for investors in the short-term.

Information on this page is provided for informational purposes only and is not a recommendation to buy, sell or hold any security. Investing involves risk, including possible loss of principal. Market data is delayed at least 15 minutes and is provided without warranty. Analyst ratings, price targets and company data come from third-party sources. Past performance does not guarantee future results.