McLean, Virginia-based Capital One Financial Corporation (COF) operates as a bank holding company focusing on consumer and commercial lending as well as deposit origination. With a market cap of $73.9 billion, Capital One operates through Credit Card, Consumer Banking, and Commercial Banking segments.

Companies worth $10 billion or more are generally described as "large-cap stocks," and Capital One fits this bill perfectly. Given the company’s stronghold on the credit card market and consumer lending, its valuation above this mark is unsurprising.

COF touched its all-time high of $210.67 on Feb. 20 and is currently trading 8.9% below that peak. COF stock prices have gained 3.3% over the past three months, notably outpacing the Financial Select Sector SPDR Fund’s (XLF) marginal 88 bps uptick during the same time frame.

Capital One’s performance has remained even more impressive over the longer time frame. COF stock has soared 7.7% in 2025 and 41.7% over the past 52 weeks, outpacing XLF’s 4.8% gains on a YTD basis and 22.6% surge over the past year.

COF stock has traded mostly above its 200-day moving average over the past year, with some fluctuations in April, and above its 50-day moving average since late-April, underscoring its bullish trend.

Capital One’s stock prices gained 3.7% in the trading session after the release of its impressive Q1 results on Apr. 22. Compared to the year-ago quarter, COF’s interest income observed a modest growth, however, its interest expense observed a decline of 7.7%. This led to its net-interest income for the quarter growing more than 7% year-over-year to $8 billion. Alongside, the company reported a notable uptick in non-interest income, leading to a 6.4% year-over-year surge in total net revenues to $10 billion. Meanwhile, its adjusted net income soared 26.4% year-over-year to $1.6 billion.

Furthermore, despite having a diversified asset base, Capital One has maintained a common equity tier 1 capital ratio of 13.6%, above the industry average. At the same time, it has also showcased its operational efficiency and delivered a notable increase in return on common equity, growing from 7.2% in Q4 2024 to 9.2% in Q1.

Despite its solid performance, COF has lagged behind its peer Discover Financial Services' (DFS) 15.5% gains in 2025 and a 60.3% surge over the past 52 weeks.

Among the 21 analysts covering the COF stock, the consensus rating is a “Moderate Buy.” Its mean price target of $217.75 suggests a 13.4% upside potential from current price levels.