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Capital One Financial Corporation (COF) — chart, structure and Closelooknet read

The Closelooknet read

Capital One is a financial holding company operating through Credit Card, Consumer Banking and Commercial Banking segments. It takes deposits such as checking, money-market and savings accounts, and lends across credit cards, personal loans, auto loans, retail banking and commercial or multifamily real estate.

Detail below: the desk's view, the earnings record, peers and the company snapshot; daily prices on the price-history tab. Agents can buy the score depth per call over HTTP 402 — see the catalogue. Research diary readings, not advice.

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Signals for this name

Every Closelooknet reading that exists for COF, from the same nightly bakes the boards use. Research diary readings, not advice.

Versus its index AI Users — the name, its sleeve and the index over day, week and month

Versus its index

The name against its Closelooknet index and its own sleeve — equal-weight, nightly closes.

AI Users · as of 2026-11-06

DayWeekMonth3 months
COF−1.0%−1.5%+1.2%−7.5%
Decision Intelligence & Risk−0.5%−1.9%−4.5%—
AI Users−0.7%+0.7%+6.6%—

Against the index: 2.2 pts behind on the week, 5.4 pts behind on the month; against its Decision Intelligence & Risk sleeve 5.7 pts ahead on the month.

Returns from the index workers’ nightly closes; equal-weight sleeves. A relative reading from the research diary, not advice.

Mentioned on Closelooknet 1 piece · newest: Report, “AI Users — Builders Up 66%, the Companies Using AI Flat” (2026-10-25)

Mentioned on Closelooknet

Where COF appears in the diary — 1 piece, newest first. Every link is our own writing.

Long reads

Weather around the name 4 macro readings: Money Temperature, Factor regime, Sector × region …

The weather around this name

Macro readings that apply by membership — the regime, the factor tape, the sector cell, the funding backdrop.

  • Money Temperature Composite 47/100 · S&P 500 fund at 48, above its 200-day averageEight instruments scored on position, momentum, volume, volatility and fragility — the regime every name trades inside. Temperature lab → 2026-11-06
  • Factor regime Defensive rotation — low-vol leading, regime-change watchMomentum against low volatility (SPMO / SPLV): below its 50-day trend, 60th percentile of the window, -22.8% over 20 sessions. Factor regime → 2026-11-06
  • Sector × region Financials in US: +1.2% week · +5.4% month · −0.8% quarter · +10.1% yearThe Sector Engine cell this name lives in, from XLF.US; the 11 × 4 matrix shows where its sector is being bought and where it is being sold. Sector Engine → 2026-11-07
  • Sovereign pressure Index -1.91 · down 2.45 over 21 sessionsG7 long-end yields, 10s30s and the slope — the funding weather for every balance sheet on this site. Sovereign pressure → 2026-11-06
How it trades on rate days beta 0.57 to TLT · on the worst bond days it moved with the market

How it trades on rate days

How COF has moved when long-dated Treasury yields rise — measured against TLT, the 20+ year Treasury fund.

  • Beta to long bonds, 1 year 0.57 — tends to move with bonds for every 1% move in TLT (20+ year Treasuries), Capital One Financial Corporation moved 0.57% on average · correlation 0.18 · higher than 49% of US names
  • Beta, last 3 months 0.57 about the same as over the year
  • On the 10 worst bond days −0.99% on average against −0.74% for the S&P 500 the 10 sessions of the past year in which TLT fell most, i.e. long yields rose most
  • Latest of those days +0.26% TLT −1.29% that day 2026-09-24

Daily total returns from the adjusted price series; a TLT down day is a day long yields rose. Beta = the average move of the name for a 1% move in TLT. Past sensitivity, not a forecast. An investment diary, not a recommendation.

Who it is priced against AI Users · Decision Intelligence & Risk · 5 names with week and year-to-date

Peer group

AI Users · Decision Intelligence & Risk

Compared against COF on the nightly bakes; the Peers tab ranks the cohort on the Closelooknet scores where it exists.

Company snapshot — Capital One Financial Corporation

COF in five paragraphs: what it makes and sells, where it sits in the Closelooknet stack, who it is priced against, why we track it, what we watch. Research diary, not advice.

What it does
Capital One is a financial holding company operating through Credit Card, Consumer Banking and Commercial Banking segments. It takes deposits such as checking, money-market and savings accounts, and lends across credit cards, personal loans, auto loans, retail banking and commercial or multifamily real estate. It also provides debit and credit card processing, advisory, capital-markets and treasury-management services to consumers, small businesses and commercial clients through branches, cafés and digital channels, and is based in McLean, Virginia.
Where it sits in the stack
Capital One sits in the AI Users index, in the Decision Intelligence & Risk section, which covers underwriting, credit, fraud and complex decisions. It disclosed in February 2025 that a generative-AI assistant for customer-service agents had been scaled from a ten-person pilot to roughly 20,000 agents, a tool that assists staff rather than deciding on its own. In the same disclosure it described Chat Concierge, a multi-agent assistant on dealer websites that schedules appointments and test drives without a person handling the exchange, and said it intended to extend the same agentic pattern to further internal uses.
Who it is priced against
Closelooknet's peer group places Capital One with Nu Holdings, Affirm Holdings, JPMorgan Chase, Progressive and SoFi Technologies, all AI Users names in the Decision Intelligence & Risk section; the market also compares it with American Express.
Why Closelooknet tracks it
Capital One holds a seat in the S&P 500 and in our AI Users index under Decision Intelligence & Risk, and it carries a Closelooknet score, though with only one module scored the score is still being built.
What the diary watches
The diary watches whether Capital One carries the agentic pattern behind Chat Concierge into the wider set of internal uses it has flagged, which would show whether automated decisions extend past assisting agents.

Capital One Financial Corporation (COF) trades on US exchanges, classified under Financial Services.

The Closelooknet company score reads 57/100 composite (momentum 53, quality 57, valuation 83) across 7 modules — the full breakdown, chart structure and analog history load live above.

Written from the company’s public profile and Closelooknet’s own readings, 2026-10-25. Descriptive, refreshed with the registry; corrections welcome via the imprint. closelook.net is an investment research diary — market structure, index membership and scores are our own readings, not investment advice. Related: COF news on the tape · index compare · sector dispersion · scanner.

The Street on this name 10 analyst actions on the wire · latest: price target by Evercore ISI, 2026-10-27

The Street on this name

Analyst actions and the latest print for COF from the Closelooknet wires — third-party opinions on the record, not our readings.

  • Price target Evercore ISI — target 230 from 220 Target raised to $230 from $220 (+13.7% to spot) 2026-10-27
  • Price target BofA — target 252 from 253 Target cut to $252 from $253 (+20.4% to spot) 2026-10-21
  • Price target Piper Sandler — target 269 from 260 Target raised to $269 from $260 (+33.5% to spot) 2026-10-21

10 actions on the analyst wire since 2026-08-13: 1 initiation, 9 target changes. Analyst wire → · Earnings wire →

Dividends and capital return trailing yield 1.59%, quarterly · buybacks 4.60 bn USD in FY2025

Dividends and capital return

What COF pays out and buys back — distributions read from the price series, money terms from the filings.

  • Trailing 12 months 3.20 USD per share · a 1.59% yield on the 2026-11-06 close 4 distributions, paid quarterly 2026-11-06
  • Change on the year +33.3% against the prior twelve months prior twelve months 2.40 USD per share
  • Last distribution 0.80 USD per share as the price series records it, within days of the ex-date 2026-08-17
  • By calendar year 2023: 0.60 USD (partial) · 2024: 2.40 USD · 2025: 2.60 USD · 2026: 2.40 USD to date first distribution recorded in the three-year window: 2023-11-10
  • Dividends paid, FY2025 1.77 bn USD 15% of earnings
  • Buybacks, FY2025 4.60 bn USD 3.6% of today's market value
  • Share count +41.1% in FY2025 776 m USD of stock-based compensation in the year
  • Capital returned 6.37 bn USD · 24% of free cash flow dividends and buybacks together, against the year’s free cash flow

Per-share amounts are derived from the adjusted price series in the listing currency, so dates sit within days of the ex-date; filing figures come from the fundamentals feed for the last reported fiscal year. An investment diary, not a recommendation.

FAQ · from the current data · as of 2026-11-07

Quick answers

What is Capital One Financial Corporation (COF)?

Capital One Financial Corporation trades as COF on the US exchange (United States) and is classified under Financial Services in the Closelooknet research universe, as of the registry build of 2026-11-07.

Is COF in a Closelooknet index?

Not currently — Capital One Financial Corporation is tracked in the Closelooknet research universe but is not a constituent of a Closelooknet functional index as of 2026-11-07.

What is Capital One Financial Corporation's Closelooknet composite score?

57 out of 100, with momentum 53, quality 57 and valuation 83 sub-scores, as of 2026-11-07. Scores are Closelooknet's own research readings, not ratings or investment advice.

Where does COF trade against its moving averages?

Capital One Financial Corporation trades 0.9% below its 50-day and 0.9% above its 200-day moving average (0.6% below its 20-day). As of 2026-11-06 — a technical state from the nightly Closelooknet bake, not advice. The Technical tab carries the full row.

How is COF doing against its Closelooknet index?

Over the past month Capital One Financial Corporation is +1.2% against +6.6% for the AI Users — 5.4 points behind its index, as of 2026-11-06. Its Decision Intelligence & Risk sleeve is −4.5% over the same month. The “Versus its index” table on this page carries the day, the week and the month for the name, its sleeve and the index.

How does Capital One Financial Corporation compare with its peers?

Against its peer group (AI Users · Decision Intelligence & Risk), Capital One Financial Corporation (COF) sits 21.6% below its 52-week high, 0.9% below its 50-day average; Progressive Corp (PGR) is 5.5% below, JPMorgan Chase & Co (JPM) is 8.7% below, Affirm Holdings Inc (AFRM) is 24.7% below, as of 2026-11-06. Put any of them next to COF in the chart grid (2×1 or 2×2) and the page lays the companies side by side: performance, trend, valuation, margins and our money-flow reading.

How does Capital One Financial Corporation trade when bond yields rise?

Over the past year Capital One Financial Corporation had a beta of 0.57 to TLT, the long-dated Treasury fund — it tends to move with bonds, higher than 49% of US names. On the 10 sessions in which long bonds fell most it moved −0.99% on average, against −0.74% for the S&P 500. As of 2026-11-06; The "How it trades on rate days" block on this page carries the lines.

Where has Closelooknet written about Capital One Financial Corporation?

Capital One Financial Corporation appears in 1 Closelooknet piece as of 2026-11-07, most recently Report: AI Users — Builders Up 66%, the Companies Using AI Flat (2026-10-25). The "Mentioned on Closelooknet" block on this page lists the long reads, the reference entries and the dailies that name it.

What does Capital One Financial Corporation do?

Capital One is a financial holding company operating through Credit Card, Consumer Banking and Commercial Banking segments. It takes deposits such as checking, money-market and savings accounts, and lends across credit cards, personal loans, auto loans, retail banking and commercial or multifamily real estate. It also provides debit and credit card processing, advisory, capital-markets and treasury-management services to consumers, small businesses and commercial clients through branches, cafés and digital channels, and is based in McLean, Virginia. Closelooknet's peer group places Capital One with Nu Holdings, Affirm Holdings, JPMorgan Chase, Progressive and SoFi Technologies, all AI Users names in the Decision Intelligence & Risk section; the market also compares it with American Express. (Company snapshot of 2026-10-25.)

Where does Capital One Financial Corporation sit in the AI build-out?

Capital One sits in the AI Users index, in the Decision Intelligence & Risk section, which covers underwriting, credit, fraud and complex decisions. It disclosed in February 2025 that a generative-AI assistant for customer-service agents had been scaled from a ten-person pilot to roughly 20,000 agents, a tool that assists staff rather than deciding on its own. In the same disclosure it described Chat Concierge, a multi-agent assistant on dealer websites that schedules appointments and test drives without a person handling the exchange, and said it intended to extend the same agentic pattern to further internal uses. Capital One holds a seat in the S&P 500 and in our AI Users index under Decision Intelligence & Risk, and it carries a Closelooknet score, though with only one module scored the score is still being built. (Company snapshot of 2026-10-25.)

Does Capital One Financial Corporation pay a dividend?

Capital One Financial Corporation has paid 3.20 USD per share over the last twelve months, paid quarterly, a trailing yield of 1.59% on the 2026-11-06 close; the last distribution recorded in the price series was 0.80 USD on 2026-08-17. In fiscal 2025 the company paid 1.77 bn USD in dividends and bought back 4.60 bn USD of its own shares, 24% of that year’s free cash flow. The share count rose 41.1% over the fiscal year. As of 2026-11-06; the "Dividends and capital return" block on this page carries the lines.

What has Wall Street done on Capital One Financial Corporation recently?

The most recent analyst action on Capital One Financial Corporation on the Closelooknet wire is a price target by Evercore ISI on 2026-10-27 (target 230 from 220). 10 actions on the analyst wire since 2026-08-13: 1 initiation, 9 target changes. Analyst actions are third-party opinions recorded by the wire, not Closelooknet readings. The “The Street on this name” block on this page lists the moves; the full feeds are the analyst wire and the earnings wire.

What does this page show?

A live price chart with SMA overlays and drawing tools for COF, performance metrics, index-membership context and the Closelooknet structure read — an investment research diary view, not investment advice.

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Related in the Closelooknet universe

then Credit Services. Scored names rank on their Closelooknet score; names without one rank on trend state — above or below their 50- and 200-day averages — never on a score they do not carry.