
Capital One (COF) Stock Forecast & Price Target
Capital One (COF) Analyst Ratings
Bulls say
Capital One Financial demonstrated a solid financial performance, reporting total revenues that increased by 6.5% year-over-year, with purchase volume and loan growth also rising by 6.5% and 3.5% year-over-year, respectively, excluding Discover. The third quarter of 2025 showcased an earnings per share (EPS) that exceeded consensus estimates by 35%, supported by revenue growth that outpaced initial projections, reinforcing the firm's underlying business strength. Additionally, early signs of synergies from the Discover acquisition are contributing to improved credit metrics, with decreasing delinquencies and losses observed despite the absence of the Discover portfolio.
Bears say
Capital One Financial's fourth quarter 2025 adjusted earnings per share (EPS) fell short of consensus estimates by 7%, highlighting ongoing challenges in meeting market expectations. The company's decision to lower its common equity tier 1 (CET1) target from 14.4% to 11% raises concerns about its capital adequacy amid potential increased expenses and reduced synergies resulting from the Discover acquisition. Additionally, the history of regulatory issues faced by Discover adds another layer of risk to Capital One's financial stability, suggesting future earnings could be adversely impacted.
This aggregate rating is based on analysts' research of Capital One and is not a guaranteed prediction by Public.com or investment advice.
Capital One (COF) Analyst Forecast & Price Prediction
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