AI PRICE FORECAST
COF Stock Forecast & AI Price Prediction
Capital One Financial · Financial Services · Credit Services
COF live signal snapshot
COF last traded at $197.11, up 0.65% on the session, trading 24.1% below its 52-week high of $259.64 and 13.1% above its 52-week low of $174.24. Our AI model's current call on COF is SELL, with 72% confidence. Short-term moving averages are mixed right now, without a clean bullish or bearish stack forming yet. The model's one-month path points toward roughly $189.48 (-3.9% from here).
On the 14-day relative strength index, COF reads 43.7, drifting toward the 30 line that marks oversold conditions. Its MACD line is below its signal line with a negative histogram (-0.94) — downward momentum is accelerating. Its 50-day average ($202.63) is holding 1.2% above the 200-day ($200.20), the pattern chartists call a golden cross.
The average 12-month target from 21 Wall Street analysts is $255.19 (range $225.00–$290.00) — 29.5% upside from where COF trades now. The current recommendation trend leans bullish: 19 Buy/Strong Buy ratings vs 0 Sell/Strong Sell (and 4 Hold).
Live figures from real market data feeds, current as of the last site build. Open the interactive COF dashboard for numbers updated throughout today's session.
About Capital One Financial
Capital One Financial Corporation (COF) is a credit services company in the financial services sector, headquartered in McLean, VA, United States. Capital One Financial Corporation operates as the financial services holding company for the Capital One, National Association, which engages in the provision of various financial products and services in the United States, Canada, and the… It has a market value of about $118.6 billion and roughly 77,500 full-time employees. Its beta of 1.09 means it has historically moved roughly in line with the market.
COF performance vs. the market
COF is down 18.7% so far in 2026, behind the S&P 500 (+11.4%) and behind the financial services sector fund XLF (+7.0%). On a one-year view it is down 10.6%, 22.1 points worse than the S&P 500. The last month (−0.5%) continues the three-month decline (−11.9%).
| Period | COF | Sector (XLF) | S&P 500 |
|---|---|---|---|
| 1 month | −0.5% | +7.0% | −2.3% |
| 3 months | −11.9% | +0.6% | −2.3% |
| Year to date | −18.7% | +7.0% | +11.4% |
| 1 year | −10.6% | +10.7% | +11.5% |
Capital One Financial financials at a glance
In the quarter ended Sep 30, 2026, Capital One Financial reported revenue of $16.3 billion and net income of $3.4 billion (a 20.9% net margin). Revenue was up 6.2% from the same quarter a year earlier. The stock trades at a price-to-earnings ratio of 12.1 on trailing earnings of $16.32 per share.
| Quarter ended | Revenue | Net income |
|---|---|---|
| Sep 30, 2026 | $16.3B | $3.4B |
| Jun 30, 2026 | $15.8B | $2.9B |
| Mar 31, 2026 | $15.2B | $2.1B |
| Dec 31, 2025 | $15.6B | $2.1B |
COF vs. its peers
Against 5 of its largest financial services peers, COF's −18.7% year-to-date return beats 0 of them. The strongest of the group this year is Visa (V, +21.3%).
| Company | Price | YTD | P/E | AI verdict |
|---|---|---|---|---|
| Capital One Financial (COF) | $197.11 | −18.7% | 12.1 | SELL |
| Visa (V) | $425.55 | +21.3% | 34.5 | BUY |
| Mastercard (MA) | $660.73 | +15.7% | 34.6 | BUY |
| American Express (AXP) | $323.11 | −12.7% | 18.2 | HOLD |
| PayPal Holdings (PYPL) | $59.48 | +1.9% | 11.4 | BUY |
| Affirm Holdings (AFRM) | $67.84 | −8.9% | 11.8 | SELL |
COF stock: common questions
What is the COF stock price target?
21 Wall Street analysts put the average 12-month target at $255.19, in a range of $225.00–$290.00, versus a recent price of $197.11. Stock Pulse 247's model projects about $189.48 over the next month.
Is COF a buy right now?
Our AI model currently rates COF a SELL at 72% confidence. Among analysts, 19 rate it Buy or Strong Buy, 4 Hold and 0 Sell. Neither is personal advice — weigh them with your own research and risk tolerance.
How has COF stock performed this year?
COF is down 18.7% so far in 2026, behind the S&P 500 (+11.4%) and behind the financial services sector fund XLF (+7.0%). On a one-year view it is down 10.6%, 22.1 points worse than the S&P 500. The last month (−0.5%) continues the three-month decline (−11.9%).
What is COF's 52-week high and low?
COF has traded between $174.24 and $259.64 over the past 52 weeks; at $197.11 it is 24.1% below its 52-week high of $259.64 and 13.1% above its 52-week low of $174.24.
What sector is COF in, and who are its peers?
COF is in the financial services sector (credit services). Its largest peers on Stock Pulse 247 include Visa (V), Mastercard (MA), American Express (AXP), PayPal Holdings (PYPL).
How accurate is the COF forecast?
It's a model estimate from price history, technical indicators and analyst targets, not a guarantee — no model predicts short-term moves reliably. Use it as one input alongside your own research.
How this works: the forecast combines COF's price history, momentum indicators (RSI, MACD, moving averages), volatility and analyst targets into one estimate. It's a model, not a guarantee.