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Today's Bonus Article Capital One Just Flashed a Buy Signal—New Highs Could Be NextWritten by Chris Markoch. Published 10/23/2025. 
Key Points - Capital One’s first full quarter since the Discover merger delivered strong upside, with beats across key financial metrics and a boost in margins.
- Credit performance held steady, easing concerns heading into earnings season and showing resilience in the lending environment.
- A sizable buyback and dividend increase reflect management’s confidence, while analyst upgrades and price action point toward a potential move to new highs.
Capital One Financial Corp. (NYSE: COF) left no room for doubt for fence‑sitting investors. The company delivered a stellar earnings report. Based on the stock and analyst reaction immediately after the release, this looks like a favorable entry point for the financial services stock. Two Nobel Prize winners are warning of The Final Displacement — a powerful shift that could spark one of the largest wealth transfers in modern history. According to Goldman Sachs, thousands of Americans are already being financially upended each day while others quietly grow richer. Which side you're on may depend on what you do next. See the full story behind The Final Displacement here COF stock rose 3.39% in midday trading following the earnings news and is approaching its all‑time high. While that may seem cautious to some investors, for Capital One it may be just the beginning. Capital One Checked All the Boxes Capital One completed its merger with Discover Financial in May, and this was the first fully inclusive earnings report since the deal closed. The impact appears to have been positive. Revenue of $15.36 billion beat expectations of $15.06 billion and was 23% higher than the prior quarter. Adjusted earnings per share (EPS) of $5.95 topped estimates of $4.25 and rose 8.5% from the prior quarter. The company's net interest margin increased to 8.36%, up about 75 basis points, roughly 45 basis points of which came from Discover. Heading into earnings, investors in the financial sector—particularly lenders—were focused on two metrics: provisions for credit losses and the direction of the net charge‑off ratio. Capital One's results eased those concerns. - A smaller‑than‑expected provision for credit losses of $2.71 billion, though higher than the $2.48 billion reported in the same quarter last year.
- A net charge‑off ratio that declined to 3.16%, down from 3.27% in the year‑ago quarter.
Buybacks and Dividend Increases Are Bullish for Shareholders Shareholders received additional positive news when Capital One announced an immediate $16 billion share repurchase program. The buyback is worth nearly 12% of the company's current market cap and replaces the prior program announced in April 2022. The company also raised its quarterly dividend by 33%, from $0.60 to $0.80 per share, beginning with the next distribution. COF Stock Has a Bullish Setup to New Highs COF is trading near the top of its Bollinger band with an RSI around 58 (not shown), a setup that is mildly bullish without being overbought. Historically, price action at the upper band has led to pullbacks or consolidation, but those moves have generally been modest corrections rather than steep declines. 
The MACD currently shows only minimal separation after a bullish crossover, which could indicate limited near‑term downside. Investors should watch for signs of sustained momentum following this post‑earnings move, which may be amplified by high‑frequency trading. Even if the stock pulls back, it is unlikely to return to the $202 level, which acted as support on two occasions in the past 30 days. A nearby area of interest for buyers is around $214. MarketBeat's Capital One analyst forecasts show five analysts raising price targets and one reiterating a target; all but one of the targets are above the consensus price of $258.89.
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