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COF

Capital One Financial Corporation

NYSE: COF · FINANCIAL SERVICES · CREDIT SERVICES

$190.84
-0.66% today

Updated 2026-04-29

Market cap
$121.32B
P/E ratio
59.04
P/S ratio
3.34x
EPS (TTM)
$3.24
Dividend yield
1.47%
52W range
$175 – $259
Volume
5.0M
OverviewPrice TargetsFinancialsValuationInsidersEarnings

Capital One Financial Corporation (COF) Financial Forecast & Price Target 2030

Research-backed projections from analyst consensus, management guidance, and sector analysis.

Price target summary

Current
$190.84
Consensus
$273.93
+43.54%
2030 Target
$1,673.66
+777.00%
DCF
—
—
15 analysts:
7 Buy2 Hold0 Sell

Management guidance

Capital One management has not provided explicit revenue guidance through 2030. However, the company's recent Discover Financial Services acquisition ($35.3B, closed May 2025) significantly expanded its revenue base and competitive positioning as the largest U.S. credit card issuer with integrated payment network capabilities.

Sources: Management guidance, analyst consensus, sector analysishigh confidence

Revenue & price projection

Actual revenue Projected revenue Base case Bull to bear range
Bull case (2030)
$2,801.57
$86.9B Rev × 20x P/S
Base case (2030)
$1,673.66
$86.9B Rev × 12x P/S
Bear case (2030)
$1,109.71
$86.9B Rev × 8x P/S

Financial forecast — research-backed

Metric2023202420252026 (E)2027 (E)2028 (E)2029 (E)2030 (E)
Revenue$49.5B$53.9B$69.3B$64.3B$70.3B$75.8B$81.2B$86.9B
Revenue growth—9.0%28.4%96.1%9.4%7.8%7.0%7.0%
EPS$12.52$13.95$19.35$20.54$25.20$28.50$31.80$35.10
P/S ratio———12.0x12.0x12.0x12.0x12.0x
Implied price———$1,237.06$1,364.40$1,455.36$1,564.51$1,673.66

Catalysts & risks

Growth catalysts
+ Discover merger integration and cost synergies realization through 2028
+ Closed-loop payment network competitive advantages vs. Visa/Mastercard ecosystem
+ Technology-driven infrastructure optimization (serverless AWS migration) reducing operating costs
+ Credit card loan growth in consumer spending cycle; potential interest rate environment normalization
+ Capital return programs (buybacks/dividends) supporting EPS accretion
Key risks
- Regulatory scrutiny on credit card interest rate caps under Trump administration reducing pricing power
- Consumer credit deterioration if recession occurs; charge-offs rising from current normalized levels
- Integration execution risk on $35.3B Discover acquisition; 1,100+ layoffs at Discover HQ signal operational challenges
- Competitive pressure from fintech and alternative lending; digital banking incumbents (Ally, etc.) gaining share
- Rising funding costs if credit spreads widen; interest rate cuts delaying near-term NII expansion

Methodology

Capital One Financial Corporation's forward estimates are derived from AI-powered research synthesis combining analyst consensus from 15 Wall Street analysts, management guidance from the latest earnings call, and sector growth forecasts from industry research. Revenue and EPS projections use analyst consensus where available and conservative extrapolation with growth deceleration for outer years. Price targets are calculated using a tiered Price-to-Sales (P/S) methodology, where the P/S multiple is determined by the projected revenue growth rate.

WallStSmart proprietary research model · Not financial advice · Past performance is not indicative of future results · Last researched: April 6, 2026.