COF
stock Financial Services Credit ServicesOverall Concerning · 32%
- Fundamentals Weak
- Trajectory Steady
- Leadership Churning
A read across fundamentals, recent price & growth trajectory, and leadership stability. For fun and reading at a glance, not investment advice.
What the indicators say
Mixed 4 of 5 trend signals bullishRSI 65 — firm momentum, not yet overbought.
A mechanical reading of the chart’s indicators — not investment advice.
Key statsas of Jul 16
- Open
- $209.88
- +0.47%
- Close
- $211.93
- +1.46%
- Current
- $211.93
- Prev close
- $208.89
- Today
- 6.41M
- 3-mo avg
- 4.67M
Earningscalendar synced from Yahoo 57d ago
- Most recent
- Apr 2191 days ago
- Next expected
- Jul 21in 0 days
Recent earnings dates
- Apr 21 91 days ago
- Jan 22 180 days ago
- Oct 21, 2025 273 days ago
- Jul 22, 2025 364 days ago
Past earnings dates come from COF’s 8-K item 2.02 filings; the next date is Yahoo’s when available, otherwise estimated from the recent reporting cadence.
Fundamentalssynced from SEC 4d ago
Across the nine graded ratios (FY2025 balance-sheet figures, P/E on TTM through Mar 2026 earnings, against the latest price), COF’s fundamentals read as weak overall.
At 54.1x, the price is steep relative to profit; the stock leans heavily on growth that has yet to arrive.
Share price divided by earnings per share: what you pay for each $1 of yearly profit. Roughly 15 to 25 is typical, above 40 is richly priced, and negative means the company is losing money.
This company pays no dividend, common for firms reinvesting their profits back into growth.
The yearly dividend as a percent of the share price: the cash income each share pays out. Around 2 to 6% is healthy; above roughly 8% often signals the payout may be cut.
A 30.4% margin is strong; the company keeps a healthy slice of every revenue dollar.
The share of revenue left as profit once every cost is paid. Above 15% is strong; below 5% leaves little cushion against a bad year.
A 2.2% return on equity is weak; owners' capital is barely being put to work.
Profit earned on each dollar of shareholder equity: how well the company compounds its owners' capital. Above 15% is strong.
A 0.4% return on assets is low; the asset base is generating little profit.
Profit earned on each dollar of assets: how efficiently the whole asset base is used. Above 8% is strong.
At 4.89, the company leans heavily on borrowing, which adds risk if results weaken.
Total liabilities divided by shareholder equity: how heavily the company leans on borrowing. Below 1 is conservative; above 2 is highly leveraged.
This company does not report a current-assets breakdown, so the ratio cannot be computed.
Current assets divided by current liabilities: whether short-term resources cover short-term bills. Above 1.5 is comfortable; below 1 is tight.
Revenue grew 36.3% from the prior year: strong top-line expansion.
Change in annual revenue from the prior fiscal year: whether the top line is expanding. Above 10% is strong growth; below 0 means revenue is shrinking.
Net income fell 48.4% from the prior year; profit is shrinking.
Change in annual net income from the prior fiscal year: whether profit is expanding. Above 10% is strong; below 0 means profit is falling.
Financialssynced from SEC 4d ago
| FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | |
|---|---|---|---|---|---|
| Revenue | $4.8B | $5.4B | $5.6B | $5.9B | $8.1B |
| Net income | $12.4B | $7.4B | $4.9B | $4.8B | $2.5B |
| Diluted EPS | $26.94 | $17.91 | $11.95 | $11.59 | $4.03 |
| Dividend / share | — | — | — | — | — |
| Total assets | $432.4B | $455.2B | $478.5B | $490.1B | $669.0B |
| Total liabilities | $371.4B | $402.7B | $420.4B | $429.4B | $555.4B |
| Shareholder equity | $61.0B | $52.6B | $58.1B | $60.8B | $113.6B |
| Q2-2024 | Q3-2024 | Q4-2024 | Q1-2025 | Q2-2025 | Q3-2025 | Q4-2025 | Q1-2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $1.5B | $1.4B | $1.6B | $1.5B | $1.8B | $2.3B | $2.4B | $2.4B |
| Net income | $597.0M | $1.8B | $1.1B | $1.4B | -$4.3B | $3.2B | $2.1B | $2.2B |
| Diluted EPS | $1.38 | $4.41 | $2.67 | $3.45 | $-8.58 | $4.83 | $4.33 | $3.34 |
| Dividend / share | $0.60 | $0.60 | — | $0.60 | $0.60 | $0.60 | — | $0.80 |
Leadershipsynced from SEC 57d ago
- Young Andrew M Chief Financial Officer
- Alexander Robert M. Chief Information Officer
- Blinde Neal President, Commercial Banking
- Cooper Matthew W General Counsel & Corp Secy
- Dean Lia Pres, Banking & Prem. Products
- Haggerty Kaitlin Chief Human Resources Officer
- Karam Celia Pres, Retail Bank
- Laprade,iii Frank G. Chief Enterprise Srvcs Officer
- Mouadeb Mark Daniel President, Card
- Raghu Ravi Pres, Software, Intl & Sm Bus
- Sanjiv Yajnik President, Financial Services
- West Kara Chief Enterprise Risk Officer
- Archibong Ime Director
- Detrick Christine Rose Director
- Harford Suni P Director
- Killalea Peter Thomas Director
- Leenaars Cornelis Paj Director
- Locoh-Donou Francois Director
- Raskind Peter E Director
- Serra Eileen Director
- Shattuck Mayo A Iii Director
- Shepherd Michael Director
- Williams Craig A. Director
- Wong Jennifer L. Director
Officers and board are drawn from COF’s recent SEC ownership filings (Forms 3, 4 and 5).
Notable recent eventspast year
- Jul 8 −5.4% one-day move
- Jun 15 +5.4% one-day move
- Apr 8 +6.2% one-day move
- Apr 7 Officer or director change reported in an 8-K
- Feb 27 −6.2% one-day move
- Feb 23 New 6-month low (-26% off peak)
- Feb 23 −8.8% one-day move
- Feb 6 Officer or director change reported in an 8-K
- Jan 23 −7.6% one-day move
- Jan 12 −6.4% one-day move
- Dec 31, 2025 FY2025 net income −48% YoY
- Dec 31, 2025 FY2025 revenue +36% YoY
- Nov 7, 2025 Officer or director change reported in an 8-K
- Oct 16, 2025 −5.6% one-day move
Large daily moves, new 6-month lows, year-over-year fundamentals swings, and reported leadership changes — pulled from the data this app already holds, never investment advice.
Dividendssynced from Yahoo 52d ago
- 2025 total
- $2.60
- 2026 so far
- $1.602 payments
- 2026 projected
- $3.20+23.1% vs 2025
Projection scales COF’s declared payments so far this year up to the inferred cadence, then compares to last year’s total. Between payouts it is an estimate, not a guarantee.
Payment history
- May 19 $0.80
- Feb 19 $0.80
- Nov 17, 2025 $0.80
- Aug 15, 2025 $0.60
- May 23, 2025 $0.60
- Feb 18, 2025 $0.60
- Nov 14, 2024 $0.60
- Aug 12, 2024 $0.60
- May 10, 2024 $0.60
- Feb 9, 2024 $0.60
- Nov 10, 2023 $0.60
- Aug 4, 2023 $0.60
- May 12, 2023 $0.60
- Feb 3, 2023 $0.60
- Nov 10, 2022 $0.60
- Aug 5, 2022 $0.60
- May 13, 2022 $0.60
- Feb 11, 2022 $0.60
- Nov 12, 2021 $0.60
- Aug 6, 2021 $1.20
Recent SEC filingssynced from SEC 51d ago
- 8-K Current report
- 8-K Current report
- 10-Q Quarterly report
- 8-K Current report
- 8-K Current report
- 8-K Current report
- 8-K Current report
- DEF 14A Proxy statement
- 8-K Current report
- 10-K Annual report
- 8-K Current report
- 8-K Current report
- 8-K Current report
- 8-K Current report
- 8-K Current report
- 8-K Current report
- 8-K Current report
- 8-K Current report