Capital One: 30%+ Growth Potential In The Coming Year


  • Market loan delinquency rates are slowing, indicating a reversal of the previous trend.
  • The debt-to-income ratio remains healthy while the inflation rate is subdued, suggesting no signs of consumers’ financial deterioration.
  • Capital One will benefit from lower provisions for credit losses.

New York City - 28 January 2017: Facade of Capital One Bank Midtown Manhattan location. Large Capital One Bank logo on the exterior, street view. No people. Sunny day.

Heather Shimmin


In May 2023, I had a buy rating on Capital One (NYSE:COF). At the time, my argument depended on manageable delinquency rates, strong deposit inflows, and attractive valuation. Today, after about a 56% increase in the company’s stock price, I believe

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