NYSEFinancialsCredit ServicesSnapshot 2026-07-31
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Create your account →Daily closes. Earnings/event dots are placed inline.
Industries move in repeating boom-and-bust cycles. This shows where this stock’s industry sits in that cycle, stage by stage (recovery → expansion → supercycle → steady → deceleration → contraction), from its fundamentals (orders, revenue, capital spending), not the stock’s price.
A booming industry is a tailwind for the names in it; a contracting one is a headwind. Companies in the same industry tend to rise and fall together with the cycle, the way a tide lifts and lowers every boat in the harbor at once, so a large part of a stock’s swing can come from where its industry sits rather than from the company itself. It’s context for reading the company’s results, not a buy/sell call. Full explanation →
Consumer Finance is in steady. Describes the industry's cycle state, not a call on this stock.
The stage band shows the industry’s cycle over the chart’s timeline (each color a stage); a ▼ marks a quarter its growth inflected down — amber is an unconfirmed watch, red is confirmed the next quarter. Use “Overlay cycle on chart” to tint the price chart by stage. The industry’s fundamentals, not a signal on this stock.
Primary pillar under pressure — Net income growth to at least $2.17B by 2026-Q1: net income $1.84B vs $2.17B (Q2 FY2026).
View ThesisRevenue growth is accelerating — up about 48% over the past year.
View GrowthMiddle-of-the-pack quality for its industry.
View QualityMiddle-of-the-pack management execution.
View ManagementExpectations look reasonable — what the market is pricing in sits in line with or below what analysts forecast.
View ValuationThis stock is volatile — it swings about 1% on a typical day and fell roughly 31% in its worst 12-month stretch.
View RiskCapital One's growth in net income must continue to justify its current price. Recent earnings showed a 19% surprise, with revenue growing 4% year over year. It trades at 1.2× price-to-book, while the peer median is 2.0×. This suggests the price reflects less growth than expected. The primary risk is that net income growth must reach at least $2.17 billion by early 2026. Peer multiples imply a price about 9% above where it trades. This read is provisional.
Trailing returns as of 2026-07-31. COF is total return (includes dividends); the S&P 500 benchmark is price return (the index excludes dividends).
Based on 25 analysts currently covering COF (as of Jul 2026).
Based on 9 Wall Street analysts offering 12-month price targets for COF in the last 4 months.
A consensus fair price across 13 valuation methods, at three horizons. As of 2026-08-01. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
Today's peer multiple on trailing earnings, with no growth credited. This is the headline read.
Adds projected growth, so it leans optimistic by design. Read it as upside context, not a base case.
A price-focused, side-by-side fair-value read versus Consumer Finance — fair value, gap to price, and forward P/E.
Advances: Maintain dividend payout
Dividend moves indicate strong capital allocation strategy.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
End-of-day figures as of 2026-07-31. EPS is implied from price ÷ P/E. Not investment advice.
Current $209.01
The last 12 months of price, then the range of analyst 12-month targets from today’s $209.01.
Analyst ratings and price targets are third-party Wall Street estimates, not QuarterlyIQ’s view. Not investment advice.
A long-thesis check that carries the widest uncertainty of the three horizons.
Above average on quality vs scored peers
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
Threatens: Integrate Discover acquisition successfully
Legacy Discover volume growth is disappointing.
Leadership change may disrupt integration and growth objectives.
Advances: Grow net income and operating income
Q2 earnings confirm growth trajectory, supporting income objectives.
Legal issues could impact reputation and financial performance.
Advances: Improve net income
Acquisition enhances net income through synergies.
Advances: Improve net income
Synergies and migration support net income growth.
Settlement delays could impact capital allocation.
