Capital One Financial Corporation operates as the financial services holding company for the Capital One, National Association, which engages in the provision of various financial products and services in the United States, Canada, and the United Kingdom. It operates through three segments: Credit Card, Consumer Banking, and Commercial Banking. The company accepts checking accounts, money market deposits, negotiable order of withdrawals, savings deposits, and time deposits. Its loan products include credit card loans; auto and retail banking loans; and commercial and multifamily real estate, and commercial and industrial loans. The company also offers credit and debit card products; online direct banking services; and provides advisory, capital markets, treasury management, and depository services. It serves consumers, small businesses, and commercial clients through digital channels, branches, cafés, and other distribution channels located in New York, Louisiana, Texas, Maryland, Virginia, New Jersey, and California. The company was founded in 1988 and is headquartered in McLean, Virginia.

Capital One Financial Corporation

For those looking to find strong Finance stocks, it is prudent to search for companies in the group that are outperforming their peers. Has Capital One (COF) been one of those stocks this year? A quick glance at the company's year-to-date performance in comparison to the rest of the Finance sector should help us answer this question.
Capital One is one of 866 individual stocks in the Finance sector. Collectively, these companies sit at #2 in the Zacks Sector Rank. The Zacks Sector Rank includes 16 different groups and is listed in order from best to worst in terms of the average Zacks Rank of the individual companies within each of these sectors.
The Zacks Rank is a successful stock-picking model that emphasizes earnings estimates and estimate revisions. The system highlights a number of different stocks that could be poised to outperform the broader market over the next one to three months. Capital One is currently sporting a Zacks Rank of #2 (Buy).
Over the past 90 days, the Zacks Consensus Estimate for COF's full-year earnings has moved 7.3% higher. This is a sign of improving analyst sentiment and a positive earnings outlook trend.
Based on the latest available data, COF has gained about 24.2% so far this year. Meanwhile, stocks in the Finance group have gained about 12.4% on average. As we can see, Capital One is performing better than its sector in the calendar year.
Another Finance stock, which has outperformed the sector so far this year, is New York Mortgage Trust (ADAM). The stock has returned 22.3% year-to-date.
In New York Mortgage Trust's case, the consensus EPS estimate for the current year increased 4.1% over the past three months. The stock currently has a Zacks Rank #2 (Buy).
Looking more specifically, Capital One belongs to the Financial - Consumer Loans industry, a group that includes 15 individual stocks and currently sits at #87 in the Zacks Industry Rank. On average, this group has gained an average of 51.3% so far this year, meaning that COF is slightly underperforming its industry in terms of year-to-date returns.
On the other hand, New York Mortgage Trust belongs to the REIT and Equity Trust industry. This 33-stock industry is currently ranked #195. The industry has moved +9% year to date.
Investors interested in the Finance sector may want to keep a close eye on Capital One and New York Mortgage Trust as they attempt to continue their solid performance.
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Are Finance Stocks Lagging Capital One Financial (COF) This Year?

Below is Validea's guru fundamental report for CAPITAL ONE FINANCIAL CORP (COF). Of the 22 guru strategies we follow, COF rates highest using our Multi-Factor Investor model based on the published strategy of Pim van Vliet. This multi-factor model seeks low volatility stocks that also have strong momentum and high net payout yields.
CAPITAL ONE FINANCIAL CORP (COF) is a large-cap growth stock in the Consumer Financial Services industry. The rating using this strategy is 100% based on the firm’s underlying fundamentals and the stock’s valuation. A score of 80% or above typically indicates that the strategy has some interest in the stock and a score above 90% typically indicates strong interest.
The following table summarizes whether the stock meets each of this strategy's tests. Not all criteria in the below table receive equal weighting or are independent, but the table provides a brief overview of the strong and weak points of the security in the context of the strategy's criteria.
TWELVE MINUS ONE MOMENTUM:
NEUTRAL
Detailed Analysis of CAPITAL ONE FINANCIAL CORP
COF Guru Analysis
More Information on Pim van Vliet
About Pim van Vliet: In investing, you typically need to take more risk to get more return. There is one major exception to this in the factor investing world, though. Low volatility stocks have been proven to outperform their high volatility counterparts, and do so with less risk. Pim van Vliet is the head of Conservative Equities at Robeco Asset Management. His research into conservative factor investing led to the creation of this strategy and the publication of the book "High Returns From Low Risk: A Remarkable Stock Market Paradox". Van Vliet holds a PhD in Financial and Business Economics from Erasmus University Rotterdam.
Additional Research Links
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About Validea: Validea is aninvestment researchservice that follows the published strategies of investment legends. Validea offers both stock analysis and model portfolios based on gurus who have outperformed the market over the long-term, including Warren Buffett, Benjamin Graham, Peter Lynch and Martin Zweig. For more information about Validea, click here
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

COF Factor-Based Stock Analysis

Looking today at week-over-week shares outstanding changes among the universe of ETFs covered at ETF Channel, one standout is the iShares U.S. Equity Factor Rotation Active ETF (Symbol: DYNF) where we have detected an approximate $176.0 million dollar inflow -- that's a 0.8% increase week over week in outstanding units (from 392,375,000 to 395,475,000). Among the largest underlying components of DYNF, in trading today Cisco Systems Inc (Symbol: CSCO) is off about 0.5%, Parker Hannifin Corp (Symbol: PH) is down about 0.7%, and Capital One Financial Corp (Symbol: COF) is lower by about 0.8%. For a complete list of holdings, visit the DYNF Holdings page » The chart below shows the one year price performance of DYNF, versus its 200 day moving average:
Looking at the chart above, DYNF's low point in its 52 week range is $42.10 per share, with $57.6597 as the 52 week high point — that compares with a last trade of $57.13. Comparing the most recent share price to the 200 day moving average can also be a useful technical analysis technique -- learn more about the 200 day moving average ».
Exchange traded funds (ETFs) trade just like stocks, but instead of ''shares'' investors are actually buying and selling ''units''. These ''units'' can be traded back and forth just like stocks, but can also be created or destroyed to accommodate investor demand. Each week we monitor the week-over-week change in shares outstanding data, to keep a lookout for those ETFs experiencing notable inflows (many new units created) or outflows (many old units destroyed). Creation of new units will mean the underlying holdings of the ETF need to be purchased, while destruction of units involves selling underlying holdings, so large flows can also impact the individual components held within ETFs.
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The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Notable ETF Inflow Detected - DYNF, CSCO, PH, COF

A month has gone by since the last earnings report for Navient (NAVI). Shares have added about 5.6% in that time frame, outperforming the S&P 500.
Will the recent positive trend continue leading up to its next earnings release, or is Navient due for a pullback? Well, first let's take a quick look at the most recent earnings report in order to get a better handle on the recent drivers for Navient Corporation before we dive into how investors and analysts have reacted as of late.
Navient Q2 Earnings Miss on Lower NII & Higher Provisions
Navient reported second-quarter 2025 adjusted earnings per share (EPS) of 21 cents, missing the Zacks Consensus Estimate of 29 cents. It reported earnings of 48 cents in the prior-year quarter. Results excluded regulatory and restructuring-related expenses of 1 cent per share
Results were affected by a decrease in net interest income (NII) and other income along with higher provision for loan losses. However, lower expenses acted as a tailwind.
Navient’s GAAP net income was $14 million compared with $36 million in the prior-year quarter.
NII & Expenses Decline
NII declined 3.7% year over year to $131 million in the second quarter. It missed the Zacks Consensus Estimate by 9.2%.
Total other income decreased 76.1% year over year to $28 million..
Provision for loan losses was $37 million, up from $14 million in the prior-year quarter.
Total expenses decreased 45.4% year over year to $101 million.
Quarterly Performance of Segments
Federal Education Loans: The segment generated a net income of $30 million, which rose 7.1% year over year.
As of June 30, 2025, the company’s net FFELP loans were $29.6 billion, down 2.1% sequentially.
Consumer Lending: This segment reported a net income of $26 million, which decreased 56.7% from the year-ago quarter.
The private education loan delinquency rate greater than 30 days was 6.4% compared with 5.2% in the prior-year quarter.
As of June 30, 2025, the company’s private education loans were $15.5 billion, which decreased 1% from the prior quarter. Navient originated $443 million of private education refinance loans in the reported quarter.
Business Processing: The company no longer provides Business Processing segment services after the sale of the government services business in February 2025.
Liquidity Profile
To meet liquidity needs, NAVI expects to utilize various sources, including cash and investment portfolio, predictable operating cash flows provided by operating activities, the repayment of principal on unencumbered education loan assets, and distributions from securitization trusts. It may also draw down on the secured FFELP Loan and Private Education Loan facilities, issue term asset-backed securities (ABS), enter additional Private Education Loan and ABS repurchase facilities, or issue additional unsecured debt.
Notably, the company had $712 million of total unrestricted cash and liquid investments as of June 30, 2025.
Capital Distribution Activities
In the second quarter, the company paid $16 million in common stock dividends.
In the reported quarter, Navient repurchased shares of common stock for $35 million.
2025 Outlook
Core EPS is now expected to be in the range of $0.95–$1.05, compared to the earlier expected range of $1.00–$1.20.
FFELP segment NIM is now expected to be in the range of 55–65 basis points (bps), compared with the previous guidance of 45–60 basis points (bps). This was driven by a stable rate environment and historically low prepayment activity.
The Consumer Lending segment NIM is now projected to be in the range of 255-265 bps, compared to the earlier expected range of 270-280 bps
Management expects the FFELP portfolio balance to total nearly $27 billion at the end of 2025.
Management now expects full-year loan originations to be between $1.8 billion and $2.2 billion, compared to a previous expectation of 30% growth.
How Have Estimates Been Moving Since Then?
Since the earnings release, investors have witnessed a downward trend in estimates revision.
The consensus estimate has shifted -8.74% due to these changes.
VGM Scores
Currently, Navient has a subpar Growth Score of D, a grade with the same score on the momentum front. However, the stock was allocated a score of B on the value side, putting it in the second quintile for value investors.
Overall, the stock has an aggregate VGM Score of D. If you aren't focused on one strategy, this score is the one you should be interested in.
Outlook
Estimates have been broadly trending downward for the stock, and the magnitude of these revisions indicates a downward shift. It's no surprise Navient has a Zacks Rank #4 (Sell). We expect a below average return from the stock in the next few months.
Performance of an Industry Player
Navient belongs to the Zacks Financial - Consumer Loans industry. Another stock from the same industry, Capital One (COF), has gained 5.7% over the past month. More than a month has passed since the company reported results for the quarter ended June 2025.
Capital One reported revenues of $12.49 billion in the last reported quarter, representing a year-over-year change of +31.4%. EPS of $5.48 for the same period compares with $3.14 a year ago.
For the current quarter, Capital One is expected to post earnings of $4.21 per share, indicating a change of -6.7% from the year-ago quarter. The Zacks Consensus Estimate has changed -0.9% over the last 30 days.
The overall direction and magnitude of estimate revisions translate into a Zacks Rank #2 (Buy) for Capital One. Also, the stock has a VGM Score of B.
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This under-the-radar company specializes in semiconductor products that titans like NVIDIA don't build. It's uniquely positioned to take advantage of the next growth stage of this market. And it's just beginning to enter the spotlight, which is exactly where you want to be.
With strong earnings growth and an expanding customer base, it's positioned to feed the rampant demand for Artificial Intelligence, Machine Learning, and Internet of Things. Global semiconductor manufacturing is projected to explode from $452 billion in 2021 to $971 billion by 2028.
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The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Navient (NAVI) Up 5.6% Since Last Earnings Report: Can It Continue?

Capital One COF and Synchrony Financial SYF are major players in the U.S. financial services industry, primarily focusing on credit card and consumer lending. They generate a large part of their revenues from interest income, transaction fees and customer spending.
COF and SYF target consumer and small business segments, but their business strategies are different. While SYF leans more toward retail, affinity relationships and commercial customers, COF operates more as a traditional bank with a large credit card portfolio and auto lending presence.
Over the past three months, COF and SYF have risen 17.7% and 29.2%, respectively. Nonetheless, sticky inflation, uncertainty regarding tariff policies and relatively higher interest rates have kept these firms under pressure.
Image Source: Zacks Investment Research
Hence, the question arises: Which credit card firm — COF or SYF— is a better choice for investors as they navigate the challenging macroeconomic backdrop? Let’s find out.
The Case for Capital One
In a strategic move to enhance its market position, Capital One acquired Discover Financial Services in May 2025 in a $35 billion all-stock deal. This deal made the company the largest U.S. credit card issuer by balances and significantly expanded its payment network capabilities.
The deal gave Capital One control of Discover Financial’s payments network — one of only four in the United States — generating greater revenues from interchange fees and offering strategic independence from Visa V and Mastercard MA. The merger is expected to create significant expense and revenue synergies and strengthen COF’s digital banking capabilities.
Over the years, the company has pursued a strategic acquisition strategy to diversify its offerings and expand its market presence. Some of its notable acquisitions are ING Direct USA, HSBC's U.S. Credit Card Portfolio and TripleTree. These acquisitions have been instrumental in transforming Capital One from a monoline credit card issuer into a diversified financial services firm with a significant presence in retail banking, commercial lending and digital banking platforms.
Though the company’s revenues declined marginally in 2020, the metric witnessed a five-year (2019-2024) CAGR of 6.5%. In the same time frame, net loans held for investment recorded a CAGR of 4.3%. The uptrend for both metrics continued during the first half of 2025. Revenue prospects look encouraging, given the company’s solid credit card and online banking businesses, Discover Financial's buyout and decent loan demand.
Image Source: Zacks Investment Research
Capital One is likely to keep benefiting from higher interest rates and a steady demand for credit card loans. As such, the company’s net interest income (NII) and net interest margin (NIM) have been rising. The company's NII witnessed a CAGR of 6% over the five years ended 2024. Also, NIM expanded to 6.88% in 2024 from 6.63% in 2023. The momentum continued for both NII & NIM in the first six months of 2025.
Further, COF, which primarily serves customers in the United States, Canada and the U.K., boasts a solid balance sheet position. Though it slashed its quarterly dividend by 75% in 2020, based on the Federal Reserve’s requirements, Capital One restored it to 40 cents per share in the first quarter of 2021. Moreover, in July 2021, the company hiked the same by 50% to 60 cents per share and has maintained it at the same level.
The company also has a share repurchase plan in place. In January 2022, it authorized a repurchase program of up to $5 billion in shares, while in April 2022, it announced an additional $5 billion worth of buybacks. As of June 30, 2025, nearly $3.73 billion worth of repurchase authorization remained.
Meanwhile, given the current tough operating backdrop and tariff-related ambiguity, Capital One faces headwinds in consumer spending and the auto lending business. As such, its asset quality will likely be under pressure. Also, the company spends heavily on marketing (almost 20% of the total operating expenses) and technology.
The Case for Synchrony Financial
Synchrony Financial stands out by leveraging its strong distribution channel to offer a broad range of products, including private-label credit cards and dual Cards for use on MasterCard and Visa networks. It has the potential capability to issue dual cards for use on the American Express and Discover networks, contributing to a more profitable and resilient business model.
Further, the company has been driving growth through targeted acquisitions and strategic partnerships that enhance digital capabilities and diversify offerings. In 2024, it acquired Ally Financial’s point-of-sale financing business, Ally Lending.
Moreover, the Allegro Credit acquisition expanded its presence in audiology and dental financing, while partnerships with PayPal, Venmo, LG Electronics, Mastercard, and others have modernized payment experiences. Recent expansions with Ashley, American Eagle Outfitters and an alliance with Adobe Commerce further strengthen its ecosystem and e-commerce reach. It partnered with OnePay to power a new credit card program at Walmart, offering a smarter, embedded credit experience for U.S. shoppers.
Further, Syncrony Financial has a solid balance sheet. As of June 30, 2025, it had $19.5 billion in cash and cash equivalents, up 32.7% from the end of 2024. Total borrowings were $16 billion. Given its earnings strength and solid liquidity position, the company’s enhanced capital distribution plans look sustainable.
In April 2025, it announced a dividend hike of 29% from the prior payment to 30 cents per share. The company also has a share repurchase plan in place. In April 2025, it authorized a repurchase program of up to $2.5 billion through June 30, 2026. As of June 30, 2025, nearly $2 billion worth of shares remained available under the program.
The company’s revenues witnessed a five-year CAGR of 2.6% (ended 2024). The trend reversed in the first six months of 2025 on a year-over-year basis.
Image Source: Zacks Investment Research
Management anticipates net revenues to be in the range of $15-$15.3 billion for 2025, down from the earlier guidance of $15.2-$15.7 billion. This downward revision is on account of higher Retailer Share Arrangements or RSA and lower loan receivables.
Also, despite financial strength, Synchrony Financial’s business model exposes it to credit risk, impacting its credit quality, due to a higher allowance for loan loss, especially in an economy grappling with inflationary pressures and higher-than-normal interest rates. The lingering macroeconomic headwinds and tariff uncertainties are expected to weigh on its financials to some extent.
How Do Estimates Compare for COF & SYF?
The Zacks Consensus Estimate for COF’s 2025 and 2026 revenues implies year-over-year growth of 34.1% and 18.5%, respectively. Further, the consensus estimate for earnings indicates a 19.1% and 13.7% rise for 2025 and 2026, respectively. Earnings estimates for both years have been revised upward over the past week.
Image Source: Zacks Investment Research
On the contrary, analysts are slightly less bullish on Synchrony Financial’s revenue prospects. The consensus mark for SYF’s 2025 and 2026 revenues suggests a year-over-year rise of 3.1% and 5%, respectively. The consensus estimate for earnings suggests a 25.6% and 9.7% surge for 2025 and 2026, respectively. Earnings estimates for both years have been revised upward over the past seven days.
Image Source: Zacks Investment Research
Capital One & Synchrony Financial: Valuation & Other Comparisons
Valuation-wise, COF is currently trading at the 12-month forward price-to-earnings (P/E) of 12.51X, higher than its five-year median of 9.04X. SYF stock, on the other hand, is currently trading at a 12-month trailing P/TB of 8.56X, which is also higher than its five-year median of 7.45X.
Image Source: Zacks Investment Research
While Capital One is trading at a premium to Synchrony Financial, its valuation is justified, given its superior growth trajectory.
However, Synchrony Financial’s return on equity (ROE) of 21.35% is way above Capital One’s 10.01%. This reflects SYF’s efficient use of shareholder funds to generate profits.
Image Source: Zacks Investment Research
SYF’s dividend yield of 1.59% is slightly higher than Capital One’s 1.07%. This reflects that SYF has lower growth opportunities than COF.
Image Source: Zacks Investment Research
COF or SYF: Which Stock is the Smarter Investment Option?
Capital One and Synchrony Financial are prominent U.S. credit card issuers and consumer lenders, operating in the financial services sector. Both are taking proactive steps to navigate the uncertain macroeconomic backdrop because of tariff plans and resultant price rises, and higher interest rates for a longer period.
Synchrony Financial has a robust liquidity position and a strong distribution channel alongside diverse streams of revenues. Nonetheless, higher RSAs and expenses and lower loans receivable are likely to impact revenues, which is reflected in management guidance. Also, in this volatile environment, the allowance for loan losses is likely to remain elevated, impacting profitability in the near term.
On the other hand, Capital One has wrapped up one of the biggest deals of its lifetime recently. Moreover, its strategic partnerships and higher credit card demands are likely to support its growth. Additionally, higher interest rates will continue to aid NII and NIM. Though it's trading at a premium compared with Synchrony Financial, its valuation remains justified on the back of bullish analyst sentiments and growth trajectory. Thus, Capital One seems to be a better bet at the moment.
Currently, Capital One carries a Zacks Rank #2 (Buy) while Synchrony Financial carries a Zacks Rank #3 (Hold). You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.
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The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Capital One vs. Synchrony Financial: Which Stock is a Better Pick Now?

In afternoon trading on Tuesday, Industrial stocks are the best performing sector, higher by 0.2%. Within that group, Boeing Co. (Symbol: BA) and Southwest Airlines Co (Symbol: LUV) are two large stocks leading the way, showing a gain of 2.7% and 2.6%, respectively. Among industrial ETFs, one ETF following the sector is the Industrial Select Sector SPDR ETF (Symbol: XLI), which is up 0.6% on the day, and up 16.39% year-to-date. Boeing Co., meanwhile, is up 31.62% year-to-date, and Southwest Airlines Co is up 0.30% year-to-date. Combined, BA and LUV make up approximately 4.1% of the underlying holdings of XLI.
The next best performing sector is the Financial sector, up 0.1%. Among large Financial stocks, Synchrony Financial (Symbol: SYF) and Capital One Financial Corp (Symbol: COF) are the most notable, showing a gain of 1.7% and 1.4%, respectively. One ETF closely tracking Financial stocks is the Financial Select Sector SPDR ETF (XLF), which is up 0.2% in midday trading, and up 11.13% on a year-to-date basis. Synchrony Financial, meanwhile, is up 17.07% year-to-date, and Capital One Financial Corp is up 26.79% year-to-date. Combined, SYF and COF make up approximately 2.2% of the underlying holdings of XLF.
Comparing these stocks and ETFs on a trailing twelve month basis, below is a relative stock price performance chart, with each of the symbols shown in a different color as labeled in the legend at the bottom:
Here's a snapshot of how the S&P 500 components within the various sectors are faring in afternoon trading on Tuesday. As you can see, two sectors are up on the day, while four sectors are down.
Technology & Communications
-0.2%
Also see:
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Tuesday Sector Leaders: Industrial, Financial

Looking at options trading activity among components of the S&P 500 index, there is noteworthy activity today in Lennar Corp (Symbol: LEN), where a total volume of 17,738 contracts has been traded thus far today, a contract volume which is representative of approximately 1.8 million underlying shares (given that every 1 contract represents 100 underlying shares). That number works out to 59.2% of LEN's average daily trading volume over the past month, of 3.0 million shares. Particularly high volume was seen for the $148 strike call option expiring August 29, 2025, with 6,008 contracts trading so far today, representing approximately 600,800 underlying shares of LEN. Below is a chart showing LEN's trailing twelve month trading history, with the $148 strike highlighted in orange:
Horton Inc (Symbol: DHI) options are showing a volume of 18,849 contracts thus far today. That number of contracts represents approximately 1.9 million underlying shares, working out to a sizeable 48.8% of DHI's average daily trading volume over the past month, of 3.9 million shares. Especially high volume was seen for the $165 strike put option expiring August 22, 2025, with 1,922 contracts trading so far today, representing approximately 192,200 underlying shares of DHI. Below is a chart showing DHI's trailing twelve month trading history, with the $165 strike highlighted in orange:
And Capital One Financial Corp (Symbol: COF) saw options trading volume of 17,253 contracts, representing approximately 1.7 million underlying shares or approximately 47.9% of COF's average daily trading volume over the past month, of 3.6 million shares. Particularly high volume was seen for the $220 strike call option expiring November 21, 2025, with 2,462 contracts trading so far today, representing approximately 246,200 underlying shares of COF. Below is a chart showing COF's trailing twelve month trading history, with the $220 strike highlighted in orange:
For the various different available expirations for LEN options, DHI options, or COF options, visit StockOptionsChannel.com.
Also see:
Precious Metals Dividend Stocks
ETFs Holding GPT
NUW Dividend History
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Noteworthy Friday Option Activity: LEN, DHI, COF

Looking today at week-over-week shares outstanding changes among the universe of ETFs covered at ETF Channel, one standout is the iShares U.S. Equity Factor Rotation Active ETF (Symbol: DYNF) where we have detected an approximate $202.5 million dollar inflow -- that's a 0.9% increase week over week in outstanding units (from 387,225,000 to 390,825,000). Among the largest underlying components of DYNF, in trading today Parker Hannifin Corp (Symbol: PH) is up about 2.2%, Capital One Financial Corp (Symbol: COF) is up about 3%, and Costco Wholesale Corp (Symbol: COST) is lower by about 0.3%. For a complete list of holdings, visit the DYNF Holdings page » The chart below shows the one year price performance of DYNF, versus its 200 day moving average:
Looking at the chart above, DYNF's low point in its 52 week range is $42.10 per share, with $57.37 as the 52 week high point — that compares with a last trade of $56.95. Comparing the most recent share price to the 200 day moving average can also be a useful technical analysis technique -- learn more about the 200 day moving average ».
Exchange traded funds (ETFs) trade just like stocks, but instead of ''shares'' investors are actually buying and selling ''units''. These ''units'' can be traded back and forth just like stocks, but can also be created or destroyed to accommodate investor demand. Each week we monitor the week-over-week change in shares outstanding data, to keep a lookout for those ETFs experiencing notable inflows (many new units created) or outflows (many old units destroyed). Creation of new units will mean the underlying holdings of the ETF need to be purchased, while destruction of units involves selling underlying holdings, so large flows can also impact the individual components held within ETFs.
Also see:
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AAC shares outstanding history
Top Ten Hedge Funds Holding SSE
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

DYNF, PH, COF, COST: Large Inflows Detected at ETF

With the Federal Reserve remaining cautious amid tariff policy uncertainties and less likely to implement a massive rate cut this year, Capital One COF remains one of the key beneficiaries of such a higher-for-longer interest rate environment. This will drive the company’s net interest income (NII).
Moreover, the acquisition of Discover Financial in an all-stock transaction valued at $35.3 billion in May reshaped the landscape of the credit card industry and is expected to boost COF’s NII in the upcoming quarters.
Further, the company has been expanding its credit card loan portfolio to boost NII. COF’s credit card loans and net loans held for investments (LHI) witnessed a five-year compound annual growth rate (CAGR) of 4.9% and 4.3%, respectively, for the year ended 2024.
In light of this, Capital One’s NII reflected a CAGR of 6% over the five years ended 2024. The momentum continued for credit card loans, net LHI and NII during the first half of 2025. This was partly driven by the Discover acquisition.
Thus, demand for credit card loans, relatively high rates and Capital One’s efforts to scale its business are expected to drive NII higher.
How Capital One’s Peers Are Performing
Capital One’s peers like Ally Financial ALLY and OneMain Holdings, Inc. OMF have been benefiting from a higher-for-longer interest rate backdrop.
Ally Financial’s net financing revenues witnessed a CAGR of 5.4% over the last five years on the back of strong origination volumes and retail loan growth. Further, Ally Financial has been restructuring its operations to create a simplified and streamlined organizational structure to achieve higher efficiency.
Similarly, OneMain’s NII has witnessed a CAGR of 3.8% over the last five years. Moreover, the company’s loan mix of Front Book and Back Book aims for revenue sustainability while maintaining upside potential in a rapidly changing macroeconomic environment. Management aims to reduce Back Book over time for higher margins. Also, the acquisition of Foursight in 2024 strengthened OneMain’s auto finance capabilities.
Capital One’s Price Performance, Valuation and Estimates
Capital One shares have soared 20.4% this year, underperforming the industry’s gain of 44.9%.
Image Source: Zacks Investment Research
From a valuation standpoint, COF trades at a 12-month forward price-to-earnings (P/E) of 11.88X, above the industry average.
Image Source: Zacks Investment Research
The Zacks Consensus Estimate for Capital One’s 2025 and 2026 earnings indicates growth of 20.1% and 12.4%, respectively, on a year-over-year basis. In the past week, earnings estimates for 2025 have moved marginally upward, while that for 2026 has remained unchanged.
Image Source: Zacks Investment Research
COF currently carries a Zacks Rank #2 (Buy). You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.
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Is Capital One Set to Ride on NII Growth Amid Relatively Higher Rates?

In a recent SEC filing, Citigroup Inc.’s C subsidiary, Citibank N.A., disclosed a rise in its credit card trust delinquency rates for July 2025 from June 2025. Nonetheless, both metrics remained under their pre-pandemic levels despite the recent uptick.
For the period ending July 2025, the Citibank Credit Card Issuance Trust posted a delinquency rate of 1.42%, up modestly from 1.38% in June. Encouragingly, the figure remains below the 1.53% level seen in July 2019, before COVID-19 disruptions. Meanwhile, the trust’s net charge-off rate eased to 2.07% in July from 2.12% in June, considerably lower than the 2.91% recorded in July 2019. Lending activity within Citibank’s credit card trust showed some softness. Principal receivables in the trust decreased to $20.7 billion by the end of the period (July 2025) from $20.9 billion the previous month.
The company’s net credit loss (NCL) witnessed a compounded annual growth rate (CAGR) of 4.3% over the past four years ended in 2024. In the first half of 2025, NCL rose 2% year over year. Also, the company’s provisions saw a CAGR of 38.9% from 2022 to 2024, with the rising trend persisting in the first half of 2025.
Looking ahead, Citigroup’s profitability may face headwinds from the continued rise in credit losses in its Branded Cards portfolio, wherein NCL rates are projected between 3.50% and 4% in 2025. At the end of 2024, branded cards NCL rates were 3.55%. Should economic conditions weaken further, losses may accelerate, prompting higher loan-loss provisions and pressuring earnings.
With interest rates expected to stay elevated for longer, borrowers’ repayment capacity will remain under strain. Coupled with the lingering effects of quantitative tightening, these dynamics suggest that Citigroup’s asset quality is likely to remain under pressure in the near term.
How Citigroup Stacks Up Against Peers in Card Delinquency
U.S. credit card metrics were mixed in July, with delinquencies rising and net charge-offs falling. Following the industrywide trend, Capital One Financial COF and JPMorgan JPM credit card delinquency rates also increased, while net charge-off fell.
Capital One's delinquency rate rose to 3.67% in July 2025 from 3.60% in June, while Capital One's net charge-off rate of 4.83% declined from 4.96% in the prior month.
JPMorgan Issuance Trust delinquency rate ticked up to 0.86% in July from 0.84% in June. JPMorgan's net charge-off rate of 1.54% dropped from 1.69% in June and 2.21% six years ago.
C’s Price Performance, Valuation & Estimates
Shares of Citigroup have gained 36.6% year to date compared with the industry’s growth of 23.2%.
Price Performance
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From a valuation standpoint, C trades at a forward price-to-earnings (P/E) ratio of 10.57X, below the industry’s average of 14.47X.
Price-to-Earnings F12M
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The Zacks Consensus Estimate for C’s 2025 and 2026 earnings implies year-over-year rallies of 27.4% and 27.7%, respectively. The estimates for 2025 and 2026 have been revised upward over the past 60 days.
Estimates Revision Trend
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Citigroup currently sports a Zacks Rank #1 (Strong Buy). You can see the complete list of today’s Zacks #1 Rank stocks here.
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7 Best Stocks for the Next 30 Days
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Indicator	TTM Median
P/E	15.23 13.37
Price/Sales	1.26 1.92
P/B	1.11 1.10
P/FCF	3.99 10.25

Indicator	TTM Median
ROE	7.42 10.06
ROA	0.92 1.13
ROI	4.13 6.38
Net Worth	67.69 0.99
Quick Ratio	0.00 1.40
Current Ratio	0.98 0.96

Indicator	TTM Median
Net Profit Margin	8.24 15.86
Operating Margin	10.96 21.72
Gross Margin	72.51 68.17
Return on tangible equity	9.92 12.03

Indicator	TTM Median
EPS	4.06 0.60
EPS Forecast	3.66 0.61
Revenue	13.81B 85.50M
Gross Profit	10.19B —
EBITDA	0.00 —

Capital One Financial Corporation

TTM metrics for the latest quarter under IFRS and their historical dynamics

Valuation

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Efficiency

Other ratios

Revenue