Capital ONE Financial Corp.

COF · NYSE · ·

下次财报：2026年10月20日 · 收盘后

US$196.530.0%9月29日收盘

1M: -8.9%
6M: +11.2%
1Y: -6.1%
5Y: +26.4%

对比

Capital One issues cards and loans, takes deposits, and runs payment networks that process card transactions.

Capital ONE Financial Corp.（COF）股票——这是一门好生意吗？ — InspectStocks

Capital ONE Financial Corp.

COF · NYSE · ·

下次财报：2026年10月20日 · 收盘后

US$196.530.0%9月29日收盘

1M: -8.9%
6M: +11.2%
1Y: -6.1%
5Y: +26.4%

对比

Capital One issues cards and loans, takes deposits, and runs payment networks that process card transactions.

怎么赚钱

Credit Card: consumer, small-business and corporate card lending, including card businesses in the United Kingdom and Canada75%
Consumer Banking: consumer and small-business deposits and loans, auto loans, and payment network services19%
Commercial Banking: loans, deposits, capital-markets services and cash-management services for companies6%

各项收入占比是对quarter ended 2026-03-31的估算，并非来自已提交报告的数字。

竞争对手

卖什么6

Consumer and small-business credit cards
Cards customers use to make purchases and borrow money, with repayment terms and card features that vary by product.
Corporate cards and business expense services
Brex provides businesses with corporate cards, tools to manage expenses, and services for making payments.
Bank accounts and debit cards
Checking and savings accounts for consumers and businesses, with debit cards and access through digital banking and bank locations.

再显示 3 项

Auto and personal loans
Loans to consumers, including loans to buy cars and personal loans acquired with Discover.
Global Payment Network
The Discover Network, PULSE Network and Diners Club services process card payments or connect card issuers and merchants to payment services.
Commercial banking services
Loans, deposits and payment and cash-management services for commercial real-estate and other business customers.

谁在买4

Consumers who apply for credit cards, loans and bank accounts through Capital One's website, mobile app, branches or other channels.
Small businesses that use business cards, loans, bank accounts and payment services.
Companies that borrow, hold deposits or use cash-management and payment services; Capital One says its commercial customers typically have annual revenue from $20 million to $2 billion (2025 10-K, high).
Merchants, banks and other financial institutions that participate in Capital One's payment networks and pay or receive fees for network services.

靠什么支撑，什么会击垮它

业务依赖什么

1The bank uses deposits as a major source of funding for its lending; changes in deposit availability or cost can affect its business.
2Capital One relies on outside technology providers, including Amazon Web Services for cloud computing and TSYS and Fidelity Information Services for some card and banking processing.
3Its payment networks depend on merchants accepting their cards and on financial institutions and other partners issuing cards or providing network services.
4As a bank and card lender, Capital One is subject to extensive banking, consumer-protection, privacy and payment regulations.

可能出什么问题

1Integrating Discover's businesses, systems and employees may take longer or cost more than expected, or Capital One may not achieve all the benefits it expects from the acquisition.
2A weaker economy or borrowers who cannot repay their loans could increase late payments and credit losses; losses could also differ from Capital One's estimates.
3If merchants stop accepting its networks, financial institutions issue fewer cards on them, or regulation and merchant pressure reduce transaction fees, payment-network revenue could be affected.

完整财务报表 →

与同行业相比处在什么位置

三项评分，每一项都是相对我们在Credit Services覆盖的 51 家公司的百分位。刻意分开而不揉成一个总分：便宜、上涨和经营得好是三件不同的事，一个数字会把它们是哪一件藏起来。

动量

48在同行业中满分 100

处于同行业中游

截至一个月前的 12 个月-3.6%

截至一个月前的 6 个月11.1%

最近一个月被刻意剔除：回报往往在 7 到 12 个月内延续，而最新的一个月往往反转。这描述的是股价已经走过的路，不说明它接下来会怎么走。

估值

49在同行业中满分 100

处于同行业中游

每单位价格对应的利润8.73%

每单位价格对应的现金24.63%

每单位价格对应的营收51.44%

每单位价格对应的资产94.23%

整个企业对应的经营利润—

这些是收益率，所以数值越高越便宜——亏损的公司会排在最后，而不是被剔除。便宜不等于好：高收益率往往意味着股价是有原因才跌下来的。由 5 项指标中的 4 项混合而成。

资本配置

2/3大体克制

3 项检验未披露

资本回报率—

股东回报率4.66%

股本数量，3 年56.0%

净债务 / EBITDA—

内部人，12 个月-US$78.3M

管理层怎么使用这笔钱——只按财报能回答的部分计分，绝不按占总数的比例计分。

六项资本配置检验

投入资金的回报披露不足，无法计算
债务与盈利之比没有可比的盈利用来衡量债务
回馈给股东的现金每年 4.7% 用于回购和分红
三年间的股本数量三年间股本数量增加 56.0%
现金流对派付的覆盖自由现金流覆盖了派付的部分
内部人在公开市场的买入净卖出 US$78.3M——不计入扣分

这是对该公司在同行中所处位置的描述，不是投资建议。评分更新于 2026年9月30日。

关于Capital ONE Financial Corp.

Capital One lends to consumers, small businesses and companies, and takes deposits through its bank. It also runs the Discover, PULSE and Diners Club payment networks, which process card transactions and connect merchants, banks and other financial institutions. Customers use its products through websites and mobile apps, branches, cafés, call centers and automated teller machines.

总部: McLean, Virginia
成立于: 1994
员工人数: 78,400 (June 30, 2026, high)
上市于: New York Stock Exchange
财年结束: December 31

基于 Capital ONE Financial Corp. 自己向 SEC 提交的申报文件。数字如实呈报，每股历史已重述到今天的股数口径。这是对一门生意的描述——不是投资建议，也不是买卖任何证券的推荐。

怎么赚钱

Credit Card: consumer, small-business and corporate card lending, including card businesses in the United Kingdom and Canada75%
Consumer Banking: consumer and small-business deposits and loans, auto loans, and payment network services19%
Commercial Banking: loans, deposits, capital-markets services and cash-management services for companies6%

各项收入占比是对quarter ended 2026-03-31的估算，并非来自已提交报告的数字。

竞争对手

卖什么6

Consumer and small-business credit cards
Cards customers use to make purchases and borrow money, with repayment terms and card features that vary by product.
Corporate cards and business expense services
Brex provides businesses with corporate cards, tools to manage expenses, and services for making payments.
Bank accounts and debit cards
Checking and savings accounts for consumers and businesses, with debit cards and access through digital banking and bank locations.

再显示 3 项

Auto and personal loans
Loans to consumers, including loans to buy cars and personal loans acquired with Discover.
Global Payment Network
The Discover Network, PULSE Network and Diners Club services process card payments or connect card issuers and merchants to payment services.
Commercial banking services
Loans, deposits and payment and cash-management services for commercial real-estate and other business customers.

谁在买4

Consumers who apply for credit cards, loans and bank accounts through Capital One's website, mobile app, branches or other channels.
Small businesses that use business cards, loans, bank accounts and payment services.
Companies that borrow, hold deposits or use cash-management and payment services; Capital One says its commercial customers typically have annual revenue from $20 million to $2 billion (2025 10-K, high).
Merchants, banks and other financial institutions that participate in Capital One's payment networks and pay or receive fees for network services.

靠什么支撑，什么会击垮它

业务依赖什么

1The bank uses deposits as a major source of funding for its lending; changes in deposit availability or cost can affect its business.
2Capital One relies on outside technology providers, including Amazon Web Services for cloud computing and TSYS and Fidelity Information Services for some card and banking processing.
3Its payment networks depend on merchants accepting their cards and on financial institutions and other partners issuing cards or providing network services.
4As a bank and card lender, Capital One is subject to extensive banking, consumer-protection, privacy and payment regulations.

可能出什么问题

1Integrating Discover's businesses, systems and employees may take longer or cost more than expected, or Capital One may not achieve all the benefits it expects from the acquisition.
2A weaker economy or borrowers who cannot repay their loans could increase late payments and credit losses; losses could also differ from Capital One's estimates.
3If merchants stop accepting its networks, financial institutions issue fewer cards on them, or regulation and merchant pressure reduce transaction fees, payment-network revenue could be affected.

完整财务报表 →

与同行业相比处在什么位置

动量

48在同行业中满分 100

处于同行业中游

截至一个月前的 12 个月-3.6%

截至一个月前的 6 个月11.1%

最近一个月被刻意剔除：回报往往在 7 到 12 个月内延续，而最新的一个月往往反转。这描述的是股价已经走过的路，不说明它接下来会怎么走。

估值

49在同行业中满分 100

处于同行业中游

每单位价格对应的利润8.73%

每单位价格对应的现金24.63%

每单位价格对应的营收51.44%

每单位价格对应的资产94.23%

整个企业对应的经营利润—

资本配置

2/3大体克制

3 项检验未披露

资本回报率—

股东回报率4.66%

股本数量，3 年56.0%

净债务 / EBITDA—

内部人，12 个月-US$78.3M

管理层怎么使用这笔钱——只按财报能回答的部分计分，绝不按占总数的比例计分。

六项资本配置检验

投入资金的回报披露不足，无法计算
债务与盈利之比没有可比的盈利用来衡量债务
回馈给股东的现金每年 4.7% 用于回购和分红
三年间的股本数量三年间股本数量增加 56.0%
现金流对派付的覆盖自由现金流覆盖了派付的部分
内部人在公开市场的买入净卖出 US$78.3M——不计入扣分

这是对该公司在同行中所处位置的描述，不是投资建议。评分更新于 2026年9月30日。

关于Capital ONE Financial Corp.

总部: McLean, Virginia
成立于: 1994
员工人数: 78,400 (June 30, 2026, high)
上市于: New York Stock Exchange
财年结束: December 31

怎么赚钱

竞争对手

卖什么6

谁在买4

靠什么支撑，什么会击垮它

业务依赖什么

可能出什么问题

与同行业相比处在什么位置

关于Capital ONE Financial Corp.

怎么赚钱

竞争对手

卖什么6

谁在买4

靠什么支撑，什么会击垮它

业务依赖什么

可能出什么问题

与同行业相比处在什么位置

关于Capital ONE Financial Corp.

利润与账面价值——5 项中通过 5 项