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NYSE · Financials

CAPITAL ONE FINL COF

Capital One Financial is a U.S. consumer-finance company centered on credit cards, auto lending, consumer banking, and commercial banking. Its risk/reward depends on card loan growth, charge-offs, funding costs, deposit franchise strength, marketing spend, and integration of large strategic deals such as Discover.

Sources Quartr company materials quartr.com
Consumer Finance

Company profile

Business mix

  • Credit cards: domestic card lending, rewards, marketing, and credit performance drive most earnings volatility.
  • Consumer banking and auto: deposits, digital banking, auto loans, and consumer credit products diversify revenue.
  • Commercial banking and payments strategy: business lending and network/payment assets can broaden the platform.

Current key questions

  • Are delinquencies, charge-offs, and reserve builds stabilizing after consumer credit normalization?
  • Can deposit costs, net interest margin, and loan growth support earnings?
  • Does Discover integration create network and payment advantages without adding excessive execution risk?
Holders 12 Current sample portfolio
Public mentions 0 Videos / interviews / letters
Valuation snapshot
PE 42.07 FCF 24.27% Buyback -56.65%
2026-06-07

Current firm holders

Firm Weight Value Filing period
Oakmark / Harris Associates Bill Nygren 2.5% $1.9B 2026-03-31
Davis Advisors Chris Davis 7.2% $1.6B 2026-03-31
Berkshire Hathaway Warren Buffett 0.5% $1.3B 2026-03-31
Eagle Capital Management 4.0% $1.2B 2026-03-31
Lone Pine Capital Stephen Mandel 3.3% $413.6M 2026-03-31
Sequoia Fund 6.1% $368.1M 2026-03-31
Viking Global Investors Andreas Halvorsen 0.8% $294.1M 2026-03-31
Sessa Capital 5.2% $284.3M 2026-03-31
Brave Warrior Advisors Glenn Greenberg 4.5% $183.2M 2026-03-31
Soros Fund Management George Soros 0.4% $32.9M 2026-03-31
Third Point Dan Loeb 1.2% $25.5M 2026-03-31
Markel Group Tom Gayner 0.1% $16.6M 2026-03-31

Recent trading changes over the last 4 quarters

Last 1 quarters Last 2 quarters Last 3 quarters Last 4 quarters
Net buyers 5 Last 4 13F filing periods
Net reducers 7 Last 4 13F filing periods
Unchanged holders 4 Share count unchanged
Increase amount $721.0M Estimated from net added shares
Reduction amount $1.1B Estimated from net reduced shares
Net share change / base shares -4.3% -1,877,528 / 43,362,385
Berkshire Hathaway Warren Buffett 4 filing periods
13F 2025-06-30 Filed 2025-08-14
Unchanged Shares 0.0% 13F value change $0
13F 2025-09-30 Filed 2025-11-14
Unchanged Shares 0.0% 13F value change $0
13F 2025-12-31 Filed 2026-02-17
Unchanged Shares 0.0% 13F value change $0
13F 2026-03-31 Filed 2026-05-15
Unchanged Shares 0.0% 13F value change $0
Settlement As of 13F 2026-03-31 · Filed 2026-05-15
Base shares 7,150,000 Last 4 periods +0 (0.0%) Total shares 7,150,000 Value $1.3B
Third Point Dan Loeb 4 filing periods
13F 2025-06-30 Filed 2025-08-14
Major increase Shares 71.8% 13F value change +$195.6M
13F 2025-09-30 Filed 2025-11-14
Major reduction Shares -23.2% 13F value change -$89.4M
13F 2025-12-31 Filed 2026-02-17
Major reduction Shares -20.6% 13F value change -$27.8M
13F 2026-03-31 Filed 2026-05-15
Major reduction Shares -87.3% 13F value change -$241.1M
Settlement As of 13F 2026-03-31 · Filed 2026-05-15
Base shares 1,050,000 Last 4 periods -910,000 (-86.7%) Total shares 140,000 Value $25.5M
Lone Pine Capital Stephen Mandel 4 filing periods
13F 2025-06-30 Filed 2025-08-14
Minor reduction Shares -3.0% 13F value change +$86.0M
13F 2025-09-30 Filed 2025-11-14
Major reduction Shares -16.6% 13F value change -$109.2M
13F 2025-12-31 Filed 2026-02-17
Minor reduction Shares -10.7% 13F value change +$10.0M
13F 2026-03-31 Filed 2026-05-15
Minor reduction Shares -1.2% 13F value change -$142.6M
Settlement As of 13F 2026-03-31 · Filed 2026-05-15
Base shares 3,176,143 Last 4 periods -909,087 (-28.6%) Total shares 2,267,056 Value $413.6M
Viking Global Investors Andreas Halvorsen 4 filing periods
13F 2025-06-30 Filed 2025-08-14
Major increase Shares 23.5% 13F value change +$383.5M
13F 2025-09-30 Filed 2025-11-14
Major increase Shares 30.3% 13F value change +$364.0M
13F 2025-12-31 Filed 2026-02-17
Major reduction Shares -60.0% 13F value change -$855.1M
13F 2026-03-31 Filed 2026-05-15
Major reduction Shares -45.4% 13F value change -$421.4M
Settlement As of 13F 2026-03-31 · Filed 2026-05-15
Base shares 4,591,100 Last 4 periods -2,978,726 (-64.9%) Total shares 1,612,374 Value $294.1M
Bridgewater Associates Ray Dalio 4 filing periods
13F 2025-06-30 Filed 2025-08-13
Minor increase Shares 14.2% 13F value change +$10.7M
13F 2025-09-30 Filed 2025-11-13
Minor increase Shares 5.8% 13F value change +$2.3M
13F 2025-12-31 Filed 2026-02-13
Major reduction Shares -22.6% 13F value change -$5.1M
13F 2026-03-31 Filed 2026-05-15
Sold out Shares -100.0% 13F value change -$38.2M
Settlement As of 13F 2026-03-31 · Filed 2026-05-15
Base shares 168,652 Last 4 periods -168,652 (-100.0%) Total shares 0 Value $0
Soros Fund Management George Soros 1 filing periods
13F 2026-03-31 Filed 2026-05-15
New Shares - 13F value change +$32.9M
Settlement As of 13F 2026-03-31 · Filed 2026-05-15
Base shares 0 Last 4 periods +180,105 (New) Total shares 180,105 Value $32.9M
Oakmark / Harris Associates Bill Nygren 4 filing periods
13F 2025-06-30 Filed 2025-08-14
Minor increase Shares 2.2% 13F value change +$375.7M
13F 2025-09-30 Filed 2025-11-14
Minor reduction Shares -10.4% 13F value change -$223.5M
13F 2025-12-31 Filed 2026-02-17
Major increase Shares 19.9% 13F value change +$705.0M
13F 2026-03-31 Filed 2026-05-15
Minor reduction Shares -4.3% 13F value change -$734.1M
Settlement As of 13F 2026-03-31 · Filed 2026-05-15
Base shares 9,851,349 Last 4 periods +506,298 (+5.1%) Total shares 10,357,647 Value $1.9B
Sequoia Fund 4 filing periods
13F 2025-06-30 Filed 2025-08-14
Minor reduction Shares -0.6% 13F value change +$68.4M
13F 2025-09-30 Filed 2025-11-14
Minor reduction Shares -0.9% 13F value change -$4.4M
13F 2025-12-31 Filed 2026-02-13
Minor reduction Shares -1.4% 13F value change +$55.2M
13F 2026-03-31 Filed 2026-05-15
Minor reduction Shares -2.4% 13F value change -$133.1M
Settlement As of 13F 2026-03-31 · Filed 2026-05-15
Base shares 2,130,414 Last 4 periods -112,607 (-5.3%) Total shares 2,017,807 Value $368.1M
Brave Warrior Advisors Glenn Greenberg 4 filing periods
13F 2025-06-30 Filed 2025-08-14
Major increase Shares 190.2% 13F value change +$276.7M
13F 2025-09-30 Filed 2025-11-14
Major reduction Shares -47.4% 13F value change -$184.9M
13F 2025-12-31 Filed 2026-02-17
Minor increase Shares 4.6% 13F value change +$39.4M
13F 2026-03-31 Filed 2026-05-15
Minor reduction Shares -0.5% 13F value change -$61.3M
Settlement As of 13F 2026-03-31 · Filed 2026-05-15
Base shares 631,553 Last 4 periods +372,751 (+59.0%) Total shares 1,004,304 Value $183.2M
Eagle Capital Management 4 filing periods
13F 2025-06-30 Filed 2025-08-14
Major increase Shares 30.2% 13F value change +$511.5M
13F 2025-09-30 Filed 2025-11-14
Minor reduction Shares -0.0% 13F value change -$1.4M
13F 2025-12-31 Filed 2026-02-17
Minor reduction Shares -1.4% 13F value change +$179.6M
13F 2026-03-31 Filed 2026-05-15
Minor reduction Shares -2.2% 13F value change -$429.8M
Settlement As of 13F 2026-03-31 · Filed 2026-05-15
Base shares 5,231,604 Last 4 periods +1,334,991 (+25.5%) Total shares 6,566,595 Value $1.2B
Sessa Capital 4 filing periods
13F 2025-06-30 Filed 2025-08-13
New Shares - 13F value change +$385.1M
13F 2025-09-30 Filed 2025-11-14
Unchanged Shares 0.0% 13F value change $0
13F 2025-12-31 Filed 2026-02-17
Minor reduction Shares -13.9% 13F value change -$7.2M
13F 2026-03-31 Filed 2026-05-15
Unchanged Shares 0.0% 13F value change $0
Settlement As of 13F 2026-03-31 · Filed 2026-05-15
Base shares 0 Last 4 periods +1,558,233 (New) Total shares 1,558,233 Value $284.3M
Ariel Investments John Rogers 4 filing periods
13F 2025-06-30 Filed 2025-08-14
Major reduction Shares -35.3% 13F value change -$12.1M
13F 2025-09-30 Filed 2025-11-14
Minor increase Shares 9.4% 13F value change +$3.7M
13F 2025-12-31 Filed 2026-02-13
Major reduction Shares -21.2% 13F value change -$4.5M
13F 2026-03-31 Filed 2026-05-14
Sold out Shares -100.0% 13F value change -$39.3M
Settlement As of 13F 2026-03-31 · Filed 2026-05-14
Base shares 291,117 Last 4 periods -291,117 (-100.0%) Total shares 0 Value $0
Davis Advisors Chris Davis 4 filing periods
13F 2025-06-30 Filed 2025-08-08
Minor reduction Shares -0.5% 13F value change +$291.8M
13F 2025-09-30 Filed 2025-11-12
Minor reduction Shares -6.4% 13F value change -$124.0M
13F 2025-12-31 Filed 2026-02-02
Minor increase Shares 2.8% 13F value change +$306.4M
13F 2026-03-31 Filed 2026-05-07
Minor reduction Shares -0.9% 13F value change -$530.0M
Settlement As of 13F 2026-03-31 · Filed 2026-05-07
Base shares 8,999,453 Last 4 periods -459,717 (-5.1%) Total shares 8,539,736 Value $1.6B
Markel Group Tom Gayner 4 filing periods
13F 2025-06-30 Filed 2025-08-01
Unchanged Shares 0.0% 13F value change $0
13F 2025-09-30 Filed 2025-10-31
Unchanged Shares 0.0% 13F value change $0
13F 2025-12-31 Filed 2026-02-06
Unchanged Shares 0.0% 13F value change $0
13F 2026-03-31 Filed 2026-05-01
Unchanged Shares 0.0% 13F value change $0
Settlement As of 13F 2026-03-31 · Filed 2026-05-01
Base shares 91,000 Last 4 periods +0 (0.0%) Total shares 91,000 Value $16.6M
Duquesne Family Office Stanley Druckenmiller 4 filing periods
13F 2025-03-31 Filed 2025-05-15
New Shares - 13F value change +$35,442
13F 2025-06-30 Filed 2025-08-15
Sold out Shares -100.0% 13F value change -$35,442
13F 2025-09-30 Filed 2025-11-14
New Shares - 13F value change +$9,337
13F 2025-12-31 Filed 2026-02-17
Sold out Shares -100.0% 13F value change -$9,337
Settlement As of 13F 2025-12-31 · Filed 2026-02-17
Base shares 0 Last 4 periods +0 (New) Total shares 0 Value $0
Eminence Capital Ricky Sandler 2 filing periods
13F 2025-03-31 Filed 2025-05-15
New Shares - 13F value change +$143.8M
13F 2025-06-30 Filed 2025-08-14
Sold out Shares -100.0% 13F value change -$143.8M
Settlement As of 13F 2025-06-30 · Filed 2025-08-14
Base shares 0 Last 4 periods +0 (New) Total shares 0 Value $0

Recent mentions

No public mentions.