Capital One Financial Corporation
COFFinancial Services · Stock · quarterly payer
Forward Yield
1.54%
Annual Dividend
$3.20
Payout Ratio
86%
5-Yr Growth
21.1%
Ex-Date
May 19, 2026
Frequency
Quarterly
Summary
As of July 2026, Capital One Financial Corporation (COF) yields 1.54% ($3.20 per share annually), with a blended fair-value estimate of $90.61 — -56% downside, so it screens as overvalued. Dividend safety grade: C (65/100). 1 years of dividend growth.
Is COF a good dividend stock?
Yes, with caveatsCapital One Financial Corporation (COF) pays a quarterly dividend yielding 1.54% ($3.20/yr), with 1 year of growth and a dividend-safety grade of C. It's a solid income payer, but check the caveats below before buying.
Advantages
- Strong 21.1% 5-yr dividend growth
Risks
- Cut its dividend in 2020
- Elevated payout ratio (86%)
Key Data
- Dividend Yield
- 1.54%
- Payout Ratio
- 86%
- Annual Dividend
- $3.20
- 5-Yr Avg Growth
- 21.1%
- Ex-Dividend Date
- May 19, 2026
- Years of Growth
- 1
- Frequency
- quarterly
- Beta
- 1.02
- Market Cap
- $127.4B
- P/E Ratio
- 64.0
- 5-Yr Total Return
- 25%
- 52-Week Range
- $174.24 – $259.64
- Dividend Safety
- C · 65/100
- Ever Cut?
- Yes (2020)
Frequently Asked Questions
COF Price — Last 12 Months
Daily close
Price Return
1 Year
-8%
3 Years
+103%
5 Years
+25%
52-Week Range
$174.24 – $259.64
Price change over each period (excludes dividends). Past performance doesn't guarantee future results.
What is COF worth?
Overvaluedmedium confidenceOur blended fair-value estimate for Capital One Financial Corporation is $90.61 per share, versus a market price of $208.03. That implies 56% of downside.
Fair Value
$90.61
Current Price
$208.03
Downside
-56%
Margin of Safety
-130%
How we get there
Dividend discount
Discounts the future dividend stream back to today.
Earnings multiple (Graham)
Graham's earnings-multiple formula, anchored to bond yields.
At today's price, the market is pricing in about -10.0% annual free-cash-flow growth. We model 20.0% — below our estimate, leaving room for upside if the business executes.
Assumptions: 9.4% discount rate (CAPM), 20.0% stage-1 growth, 2.5% terminal growth, $3.25 EPS, $3.20 annual dividend. Updated weekly.
Fair-value estimates are model output for educational purposes only — not investment advice or a price target.
COF Dividend Safety Score
Borderline
SmarterDividends' proprietary score, backtested against which dividends were actually cut over 15+ years (0.78 AUC). It blends a validated cut-risk model (growth streak, cut history) with current payout, cash-flow and debt. Higher is safer · not investment advice.
Dividend Growth
Total dividends per share by year
Dividend History
| Ex-Date | Pay Date | Amount | Type |
|---|---|---|---|
| May 19, 2026 | — | $0.8000 | regular |
| Feb 19, 2026 | — | $0.8000 | regular |
| Nov 17, 2025 | — | $0.8000 | regular |
| Aug 15, 2025 | — | $0.6000 | regular |
| May 23, 2025 | — | $0.6000 | regular |
| Feb 18, 2025 | — | $0.6000 | regular |
| Nov 14, 2024 | — | $0.6000 | regular |
| Aug 12, 2024 | — | $0.6000 | regular |
| May 10, 2024 | — | $0.6000 | regular |
| Feb 9, 2024 | — | $0.6000 | regular |
| Nov 10, 2023 | — | $0.6000 | regular |
| Aug 4, 2023 | — | $0.6000 | regular |
| May 12, 2023 | — | $0.6000 | regular |
| Feb 3, 2023 | — | $0.6000 | regular |
Income Calculator
At $3.20 / yr per share
