Core Viewpoint - Capital One Financial Corporation (NYSE:COF) is currently in the spotlight due to President Trump's proposal to cap credit card interest rates and its recent acquisition of Brex, a corporate card issuer, which has led to mixed reactions from analysts regarding its impact on the company's stock price. Group 1: Recent Developments - President Trump's suggestion to cap credit card interest rates has brought attention to Capital One Financial Corporation [2] - The company announced the acquisition of Brex, which has been described as a significant move to compete directly with American Express [2] - Analysts from BTIG and Wolfe Research have adjusted their price targets for Capital One, citing concerns over earnings dilution and increased marketing and operating expenses following the acquisition [2] Group 2: Analyst Commentary - Jim Cramer praised the Brex acquisition during a conference call, emphasizing the potential of the company and encouraging investors to hold onto their shares despite recent stock price declines [2] - Cramer noted that the CEO Richard Fairbank provided valuable insights into the credit card industry during the call, while also being dismissive of the President's comments [2] - RGA Investment Advisors has added shares of Capital One to their portfolios, highlighting the company's strong digital presence and user experience stemming from past acquisitions [3][4]

The S&P 500 just reached a new all-time high, and many stocks look expensive right now. But there are still some bargains to be found, and that's especially true in the financial sector. Here are two bank stocks that recently reported earnings, and why they could be excellent choices for long-term investors at their current prices. The largest all-digital U.S. bank Ally Financial (NYSE: ALLY) is one of the most interesting bank stocks in the market. It was spun out of General Motors (NYSE: GM) in the wak ...

This story was originally published on Payments Dive. To receive daily news and insights, subscribe to our free daily Payments Dive newsletter. Mastercard’s CEO announced that the card network has renegotiated a new services agreement with Capital One Financial, dispelling some questions about the future of its ties to that bank after its acquisition last year of rival Discover Financial Services. The new pact may even hand some additional credit card work to Mastercard, according to comments from Masterc ...

Capital One Financial Corporation (NYSE:COF) is one of the best inexpensive stocks to buy now. On January 23, Bank of America analyst Mihir Bhatia lowered the firm’s price target on Capital One to $280 from $294 with a Buy rating after the company reported Q4 2025 earnings and announced the acquisition of Brex, which the firm believes complements and expands Capital One’s current small business card offering, Spark. Since the Discover acquisition, some bullish investors have made the case that Capital One ...

Key Takeaways COF's 4Q25 NII rose 54% y/y to $12.47 billion, even as interest rates declined.Capital One's credit card business led gains, with period-end card loans held for investment up 72% y/y.COF benefited from Discover loan additions and lower interest-bearing deposit costs despite NIM pressure.Despite declining interest rates, Capital One Financial Corporation’s (COF) net interest income (NII) increased 54% year over year to $12.47 billion in fourth-quarter 2025. The rise was primarily driven by loan ...

Putting it all together, while the quarter wasn’t perfect, the core business is doing very well, and the integration of Discover is proceeding as planned… I’m worn down by Capital One. It was such a great stock, but this is, you know, look, Richard’s taking a long-term view, and I wanted the integration of Discover to go smoothly, and now I’m worried about this. I trust Fairbank to be able to integrate Brex while he turns Capital One into a full-service financial company, offering both consumers and busines ...

NEW YORK, Jan. 27, 2026 (GLOBE NEWSWIRE) -- Pomerantz LLP is investigating claims on behalf of investors of Capital One Financial Corporation (“Capital One” or the “Company”) (NYSE: COF). Such investors are advised to contact Danielle Peyton at newaction@pomlaw.com or 646-581-9980, ext. 7980. The investigation concerns whether Capital One and certain of its officers and/or directors have engaged in securities fraud or other unlawful business practices.  [Click here for information about joining the class ac ...

Analyst’s Disclosure: I/we have no stock, option or similar derivative position in any of the companies mentioned, and no plans to initiate any such positions within the next 72 hours. I wrote this article myself, and it expresses my own opinions. I am not receiving compensation for it (other than from Seeking Alpha). I have no business relationship with any company whose stock is mentioned in this article. Seeking Alpha's Disclosure: Past performance is no guarantee of future results. No recommendation or ...

Core Business and Performance - Capital One Financial Corporation's credit card business is a primary earnings driver, contributing over 70% of revenues through net interest income and interchange/fee income [1][8] - In 2025, the credit card segment's net revenues increased by 40.5% year-over-year, with loans held for investment rising 72% and purchase volumes improving by 27% [3][8] - Following the acquisition of Discover Financial, Capital One became one of the largest U.S. credit card issuers by balances, enhancing its scale and revenue potential [2][8] Recent Developments and Acquisitions - The company ended its card partnership with Walmart in May 2024 but has made strategic acquisitions, including a $5.15 billion deal for fintech firm Brex and the $35.3 billion acquisition of Discover Financial [2][9] - Other acquisitions, such as Velocity Black and ING Direct USA, have diversified Capital One's offerings beyond credit cards into retail banking and digital platforms [10] Financial Metrics and Projections - Capital One's net interest income has shown a compound annual growth rate (CAGR) of 13.4% over five years, with net interest margin expanding to 7.84% in 2025 [11] - The Zacks Consensus Estimate for 2026 and 2027 revenues is $62.77 billion and $65.44 billion, indicating year-over-year growth rates of 17.5% and 4.3% respectively [13] Capital Distribution and Shareholder Value - The company has a strong balance sheet with total debt of $51 billion and cash equivalents of $57.4 billion, supporting its capital distribution activities [16] - Capital One has restored and increased its dividend, with a recent hike to 80 cents per share and a share repurchase plan authorized for up to $16 billion [18] Analyst Sentiment and Valuation - Analysts have mixed views on Capital One's earnings growth, with the 2026 earnings estimate revised lower to $20.12 but the 2027 estimate revised higher to $24.26 [19][20] - The current price-to-book ratio for Capital One is 1.22X, indicating a premium compared to the industry average of 0.78X [21] Market Position and Competitive Landscape - Capital One's diversified customer base allows it to generate attractive yields while managing risk effectively [24] - Despite recent macro concerns, the stock has gained 9% over the past year, outperforming some peers but underperforming others [4][30]

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