Capital One Financial Corporation (COF) Price Target Analysis
Wall Street analyst price targets, ratings consensus & upside potential · Updated May 1, 2026
Current Price
$193.40
Price Target
$267.18
Target Range
$213.00 — $300.00
Analyst Rating
Buy
Forward P/E9.8x
Trailing P/E48.0x
Forward PEG—
Implied Growth+408.2%
Median Target$270.00
Analyst Spread32.6%
Price Forecast (1 Year)
Last 12 months price action with 12-month analyst target path
Bear Case
$213
+10.1%
Consensus
$267
+38.1%
Bull Case
$300
+55.1%
Valuation Model TargetsConfidence: 48/100
Bear$160
Base$838
Bull$2743
COF Price Target Analysis
Updated May 7, 2026As of May 7, 2026, Capital One Financial Corporation (COF) has a Wall Street consensus price target of $267.18, based on estimates from 56 covering analysts. With the stock currently trading at $193.40, this represents a potential upside of +38.1%. The company has a market capitalization of $119.72B.
Analyst price targets range from a low of $213.00 to a high of $300.00, representing a 33% spread in expectations. The median target of $270.00 aligns closely with the consensus average.
The current analyst consensus rating is Buy, with 34 analysts rating the stock as a Buy or Strong Buy,18 rating it Hold, and 4 rating it Sell or Strong Sell. The positive sentiment balance indicates moderate optimism about the stock prospects.
From a valuation perspective, COF trades at a trailing P/E of 48.0x and forward P/E of 9.8x. Analysts expect EPS to grow +408.2% over the next year.
Our proprietary valuation model, which blends historical multiples with forward estimates, suggests a base-case price target of $838.36, with bear and bull scenarios of $160.09 and $2743.02 respectively. Model confidence stands at 48/100, suggesting limited visibility into future performance.
Investment Context: Price targets represent analyst expectations for the next 12 months and should be considered alongside your own research. Targets are based on analysts' assumptions about earnings growth, margins, and market conditions which may change. For sector-specific context, view other Financial Services stocks.
Analyst Sentiment Comparison
Industry Peer AnalysisAvg Peer Upside+13.5%
Avg Forward P/E11.6x
Peers with Coverage10 / 10
| Company | Market Cap | Price | Target | Upside | Rating | Fwd P/E | Analysts |
|---|---|---|---|---|---|---|---|
 SYFSynchrony Financial | $26.1B | $75.15 | $90.55 | +20.5% | Buy | 8.1x | 41 |
 AXPAmerican Express Company | $220.8B | $321.90 | $373.30 | +16.0% | Hold | 18.3x | 57 |
 BACBank of America Corporation | $407.9B | $53.60 | $61.13 | +14.0% | Buy | 12.1x | 54 |
 JPMJPMorgan Chase & Co. | $849.0B | $314.90 | $338.78 | +7.6% | Buy | 14.2x | 61 |
 CCitigroup Inc. | $222.9B | $127.57 | $140.42 | +10.1% | Buy | 11.8x | 27 |
 WFCWells Fargo & Company | $248.6B | $80.40 | $98.13 | +22.1% | Hold | 11.5x | 60 |
 ALLYAlly Financial Inc. | $13.7B | $44.30 | $53.33 | +20.4% | Buy | 8.3x | 38 |
 NAVINavient Corporation | $821M | $8.73 | $8.67 | -0.7% | Hold | 12.2x | 24 |
 OMFOneMain Holdings, Inc. | $6.5B | $55.90 | $69.71 | +24.7% | Buy | 7.6x | 31 |
 CACCCredit Acceptance Corporation | $5.6B | $539.93 | $540.00 | +0.0% | Hold | 11.7x | 18 |
Upside Potential Comparison
OMFWFCSYFALLYAXPBACCJPMFull COF Stock Analysis
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Start ComparisonCOF — Frequently Asked Questions
Quick answers to the most common questions about buying COF stock.
What is the COF stock price target for 2026?
The consensus Wall Street price target for COF is $267.18, representing 38.1% upside from the current price of $193.4. With 56 analysts covering the stock, this strong upside suggests significant value not yet reflected in today's share price.
Is COF a buy, sell, or hold?
COF has a consensus rating of "Buy" based on 56 Wall Street analysts. The rating breakdown is predominantly bullish, with 34 Buy/Strong Buy ratings. The consensus 12-month price target of $267.18 implies 38.1% upside from current levels.
Is COF stock overvalued or undervalued?
With a forward P/E of 9.7992x, COF trades at a relatively low valuation. The consensus target of $267.18 implies 38.1% appreciation, suggesting meaningful undervaluation.
How high can COF stock go?
The most bullish Wall Street analyst has a price target of $300 for COF, while the most conservative target is $213. The consensus of $267.18 represents the median expectation. Our quantitative valuation model projects a bull case target of $2743 based on optimistic growth and margin assumptions. These targets typically reflect 12-month expectations.
How many analysts cover COF stock?
COF is heavily covered by Wall Street, with 56 analysts providing price targets and ratings. Of these, 0 have Strong Buy ratings, 34 have Buy ratings, 18 recommend Hold, and 4 have Sell or Strong Sell ratings. Higher analyst coverage generally indicates greater institutional interest and more reliable consensus estimates.
What is the COF stock forecast?
The 12-month COF stock forecast based on 56 Wall Street analysts shows a consensus price target of $267.18, with estimates ranging from $213 (bear case) to $300 (bull case). The median consensus rating is "Buy". Our proprietary valuation model produces a base case fair value of $838, with bear/bull scenarios of $160/$2743.
What is COF's fair value based on fundamentals?
Our quantitative valuation model calculates COF's fair value at $838 (base case), with a bear case of $160 and bull case of $2743. The model uses discounted cash flow analysis, historical growth rates, and margin mean-reversion to project FY+2 earnings, then applies an appropriate P/E multiple. The model confidence score is 48/100.
What is COF's forward P/E ratio?
COF trades at a forward P/E ratio of 9.8x based on next-twelve-months earnings estimates compared to a trailing P/E of 48.0x. The lower forward P/E indicates analysts expect earnings growth. A forward P/E is useful for comparing valuations when earnings are expected to change significantly.
Should I buy COF stock?
Wall Street analysts are very optimistic on COF, with a "Buy" consensus rating and $267.18 price target (38.1% upside). 34 of 56 analysts rate it Buy or Strong Buy. This information is for educational purposes only. Always conduct your own research, consider your financial situation, and consult a financial advisor before making investment decisions.
Why do COF price targets vary so much?
COF analyst price targets range from $213 to $300, a 33% moderate spread showing some variance in outlooks. Differences stem from varying assumptions about revenue growth, profit margins, competitive dynamics, and valuation multiples. The $267.18 consensus represents the middle ground. Our model's $160-$2743 range provides an independent fundamental perspective.