COF
Capital One Financial Corporation
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Credit card losses are rising at the fastest pace since the Great Financial Crisis
My 10 leg Wallstreet Parlay (NOT FINANCIAL ADVICE)
Capital One Financial Corp (COF): A Deep Dive into Potential Bearish Indicators
Stocks moving in after-hours: Berkshire Hathaway ($BRK.A), Beam Therapeutics Inc($BEEM), Tesla ($TSLA).
Lookie here. COF credit default swaps, whatever it is. Imma fuckin buy puts so inverse me and buy calls for free money.
Capital One Financial ($COF) next bank to collapse?
2023-02-13 Wrinkle-brain Plays (Mathematically derived options plays)
Credit card banks continue long slog back to normalized delinquency rates (NYSE:COF)
I think COF is about to drop some more. I'd short sell on it tbh.
My regarded picks for 2022-08-26
CapitalOne $COF seems to be actively misleading customers about COVID relief. Is this a sign of a troubled company internally?
Selling multiple options against one?
Why do some stocks have no pre and aftermarket movement?
RKT's growth story shows up in its financials
Mentions
BUY FINANCIALS. Financial stocks multiples will start to move towards tech multiples. This starts with deregulation, the blockchain, and A.I. people forget about financials when it comes to A.I. there up big in 2025, they will have an even better 2026. This includes Goldman, JPM, Citi, Wells, Bank of America, XLF, KRE, COF, etc.
Financial stocks multiples will start to move towards tech multiples. This starts with deregulation, the blockchain, and A.I. people forget about financials when it comes to A.I. there up big in 2025, they will have an even better 2026. This includes Goldman, JPM, Citi, Wells, Bank of America, XLF, KRE, COF, etc.
Financial stocks multiples will start to move towards tech multiples. This starts with deregulation, the blockchain, and A.I. people forget about financials when it comes to A.I. there up big in 2025, they will have an even better 2026. This includes Goldman, JPM, Citi, Wells, Bank of America, XLF, KRE, COF, etc.
Biggest gains were from precious metal etfs, NEM, RKLB, GOOGL (bought after April dip, still undervalued imo), VEU, defense etfs (EUAD, KDEF), RNMBY (bought early in year and sold in the summer), and COF. Also swing traded LULU for solid profit in the fall. Biggest loser this year was NVO but I'm bullish on it in the medium term
**This weekend I ordered a pizza on the Pizza Hut app and after I pressed place order, I got a screen asking me if I wanted to apply for a Capital One credit card.** **SURE, ILL TAKE A SLICE A PIZZA WITH A SIDE OF CRIPPLING DEBT** **HOLY SHYT MANG THIS IS SO FUKD. ITS LIKE IN 2005 GIVING MORTGAGES TO ANYONE WITH A HEARTBEAT** **GROWTH AT ANY COST I GUESS** **BOLS SO UNBELIEVABLY FUK** **$COF**
$COF best financial if you want big gains in ‘26
They already have. The repackaging of AI debt with higher interest consumer debt has started. Looks and sounds and smells like the mortgage repackaging that was happening in 2005-08. I’m looking at COF, AXP and all of these consumer debt companies starting to make rip roaring gains too. The ignorant VCs are starting to realize that all AI is right now is a sophisticated chatbot. It doesn’t matter how much more compute you put into it. It doesn’t learn and you can’t train the current model of AI
$COF best financial play, can’t be stopped
Healthy consumer and $COF keeps pumping 🚀
COF short is just silly? Market weakness hedge I guess but makes little sense
Sold COF when it dipped under 200. Sold CVNA a while back and posted that too. Will find a re-entry point with a longer date in the future.
Yup, that was the time to buy small co's like BFH, SYF and stuff like DFS and COF. Right now nobody seems to care about it... At least until they do it again.
Aside from ninja and COF, that’d be a pretty solid portfolio, actually. COF should be a better stock than it is.
All good investments except COF. You might be making light of this as a pov on selecting investments, but I honestly think it’s a pretty sound way to invest. Part of the reason retail often beats the street to smart investments before they blow up is that we have firsthand experience with the product, customer experience, and value in the marketplace
At a macro level, let me explain the thesis you seem to be missing: \> Economy gets fucked \> Consumers have less discretionary income \> Companies return on ad spend plummets \> META, GOOGL revenue plummets and first thing to go is CAPEX (read, GPU spend) \> NVIDIA revises forecasts down all of a sudden your forward P/Es don't look so reasonable. There's a reason FPE is forward and not realized, that's the threat Anyways, I'm not retarded enough to buy NVDA puts (COF, ALLY, MGM, LUV puts are very on the table though) but your prices are not extreme theory misses the primary threat vector
It honestly surprises me how low volume COF is. I feel like their earnings and recent development is being slept on.
still think bad abt COF? I use the product and they have some nice growth.
up 100% on the year, depending on how you count company equity vesting. I sold prior to big tariff day, because I felt the writing was on the wall when the canada tariffs were announced. I shifted to european defence and printed money, and then shifted to gold and some hard hit big companies (ASML, COF, UNH) and have been more or less happy since. I've been moving more and more to safety, in part because I now own property on the back of some of these gains, and will owe a big tax bill next year. I am more pessimistic about the market as a whole than I was. If trumponomics holds up through the holidays (doubt - I see subprime lenders finally starting to fall, the expected retail underpreformance, more layoffs and AI companies failing to meet a tenth of what they have promised), I'll probably be at 2M after the holidays instead of 1M, in part because of how the US continues to inflate away.
HOOD to the moon. Any of the financials for HOOD, BK, IBKR, COF, MS, are so much better than stupid adobe. Fuck these value companies
$COF credit cards data was solid COF goes much higher
**I think 60-100 stocks is too many to mangage. especially around quarterly earnings reporting.** I have about 20 stocks holdings in a portfolio that always beats the returns of the S&P 500 index. Try to pick the best stocks in each sector to make your stocks more managable. When I find a new stock I like, then I liquidate the stock that hasn't been performaing the best in my holdings. I usually make my moves during quarterly earnings reporting. ISRG, BSX, APH, RTX, COF, MMM, VRT and GE had good earnings reports recently. I still manage to have a watchlist of 60 stocks, but I manage then in groups of similar sectors or categories for comparison, categories of Banks, IT Software, semi-conductors, utilities, Healthcare, retail, etc...Then I can easily separate the best of the sector.
Do you know how easy it is to apply for their cards? They are extremely predatory and barely check anything. Even if you report you have zero income they'll approve you for a $1000-2000 limit card with a simple click of a button online. Yet they claim they have the same bad loan rates as the bigger banks like Citi/Chase. While the big banks are making money off investment banking, COF is saying they're making money from lower delinquency/higher interest margins in their earnings. (Just paying minimum payment on your credit card means it's not delinquent, while the accumulating interest is booked as profits even though it's not collected) I don't think COF should be any higher than $180~ Maybe I'm wrong and I'm just a gay bear. Only a $10,000 position and not a whole port play.
I listened to the earnings call, I really want to know why you doubt them so much? As the costs from the Discover merger roll off their EPS is going to increase. I said it before that they do dip whenever bad regional banking news comes out they definitely have a good road ahead for growth and the Discover network only has like 2% market share meaning if they execute well over the next year they can see massive savings from moving their cards to the Discover network. They also aren't getting rid of the discover brand so they will be able to shift the COF cards towards a higher income consumer and keep the Discover cards for lower-income while using savings from the Discover network to increase cardholder benefits. I've been long on Discover for like 5 years, would definitely love to hear counterpoints but I really don't get this bearish bet outside of a short-term crash play which did already happen. What's your target price?
https://preview.redd.it/aydzzzn43pwf1.png?width=1080&format=png&auto=webp&s=49a7ad5f5a3aa12597e694eed86062b8fe2976e8 Closed my CVNA position. Might reenter later. COF lying through their teeth imo but only time will tell. Was up 90% now only 5% (expires March 2026)
Tesla is completely detached from reality as is PLTR. NVDA is optimistic but they are still in a strong growth phase. Some other stocks like GOOG are arguably cheap. MSFT recently grew revenues 18%. I just saw that PEGA grew earnings by 27% and COF had a blowout quarter and is buying back 12% of its stock. The top tech companies are investing $100B's in cap ex this year. There are definitely areas of froth and meme but the market keeps going up because corporate earnings keep going up.
Same! Hopefully you made the smart move and bought more COF! Hedged out well!
I bought COF calls! ...but I also bought NFLX calls...
Man, COF was the play wasn't it! IBM could be worth a look.
chose TXN Calls over COF, lost cash.. need to make it up now, what are other Calls for this week other than VRT, INTC AIRLINES MAY BE UP, JUST AS LAST WEEK?
COF calls gonna print in AM, beat earnings by 38% (as a regard with Capital one debt this seems right)
2.7% on $COF is a good move. it's the same shit as $TSLA moving 10% LMAO
I went 3/3 on $COF, $KO, and $GLXY. My last bet is $INTC, calls ill see yall at valhalla
COF with a massive beat and stick does nothing.
COF solid beat across the board. Increase in consumer debt (+27%) hints at further strain on the common-folk.
COF earnings in 2 minutes. Call at 5 EDT.
$COF calls seems like a no brainer cause of how other banks performed last week. I’m with you on that one.
https://preview.redd.it/j0r1ycxi6pvf1.jpeg?width=1170&format=pjpg&auto=webp&s=e1f2f38aa707e1cf56da2b98a5909681adc38de3 Load up on COF puts for 10/21/2025 bois
Damn just looked at COF. Wish I had seen this comment a month ago
https://preview.redd.it/rro7644c0jvf1.png?width=1080&format=png&auto=webp&s=53a631ed3385eff192b23cb87f372e6839f8348b Have puts on both of these. All their loans are dogshit and should be significantly higher default rate than they're willing to admit. Check my DD post. COF is not like the big banks that posted their earnings this week.
Update: up 95% on COF and 30% on CVNA
Boy howdy COF! Not even 12 noon yet… hold your drilling! 💃💃💃🤣
Anyone else printing from COF puts? Shit company that preys on poor credit score users aren't gonna get crazy earnings report like this investment banks did this week. I stand by my previous DD. Up 80% currently.
Im playing COF earnings, looking decent. Well see
**Here's some Private Credit porn mate, a PC snff flic:** **Beneath the surface of what’s been a remarkably resilient US economy, a series of small shocks in the world of private credit have combined to rock companies that service the most financially vulnerable Americans.** **Auto lender** [**Ally Financial Inc.**](https://www.bloomberg.com/quote/ALLY:US) **tumbled 13% during a nine-day losing streak. Fintech lenders** [**Upstart Holdings Inc.**](https://www.bloomberg.com/quote/UPST:US) **and** [**Pagaya Technologies Ltd.**](https://www.bloomberg.com/quote/PGY:US) **sank more than 20% in the same span. Digital payments company** [**Affirm Holdings**](https://www.bloomberg.com/quote/AFRM:US) **and lender** [**Bread Financial Holdings Inc.**](https://www.bloomberg.com/quote/BFH:US) **suffered similar fates. Even** [**Capital One Financial Corp.**](https://www.bloomberg.com/quote/COF:US)**, one of the nation’s largest credit card issuers, lost 7%.**
All the finantials in my watch list are down today, V, COF, JPM
RDDT for me, too. It used to also be Discover that I bought in the financial crisis for $10 even but COF snatched them up. I also have some MSFT that I got back then for a little over 20 bucks.
The safest and smartest thing to do is just VOO and chill. If you want to accept more risk, you can look into individual companies -- there are LOTS of investing resources out there with mixed levels of quality -- but the higher return you're hoping for, usually the more likely you are to lose your money. My recommendation would be to put 95% of your investable cash into something like VOO or VT or VTI, and then 5% into individual companies you think will grow, and see how you do. I personally started with MSFT because everyone uses it at work and COF since my wife loves our VentureX card, and I'm up more than 100% in both stocks. I 900% NVDA, and I'm currently into INTC and ABAT, the latter because I strongly believe battery recycling will be critical in an increasingly battery-driven world.
Consumer facing financials getting hit today. $COF $AXP quite a bit. Any reason why?
Up 40% on COF puts so far thanks to today. Check my DD from earlier this month.
Up 10%~ on COF. Down 20%~ on CVNA (was even before today)
Solid DD on CVNA and COF. Immigration trends and credit risk are legit concerns. Your analysis on credit exposure and potential defaults seems well-researched. Risky plays but thoughtful approach.
Regarding your first point, they did increase their CECL allowance, but the loans they give out are much higher risk, that's why they are disputing/suing FDIC over disagreement of how to categorize their new loans that was absorbed (cited). They are compared to their peers, it's not cherry picked when they are in the same industry. Who else would I compare COF to if not these companies? Regarding your second point, yes it's anecdotal, but isn't that also true? Regarding Carvana, yes I've stated they have a bunch of other issues, but their metrics has always shown growth quarter over quarter. The key point here is that once these new factors affect their growth (even if it's not a huge game changer), investors will start to doubt whether insider are selling and making them bag holders.
I don't think you did that much research into the discover merger. You say Capital One is underestimating losses post Discover, but the merger accounting shows opposite. COF booked an $8B+ CECL allowance at closing which is why they posted a GAAP loss that quarter. That’s not “SwEEpIng BAd DeBt UnDEr tHE ruG.” Also Deposits vs. loans is misrepresented. Yes, card loans spiked because they absorbed Discover’s whole book. But deposits also jumped to like $468B, still larger than total loans. Saying “significantly less deposits” compared to peers is cherry-picking. Everything about immigration is just anecdotal and not backed by a lick of shit also said carvana will sell to anyone that's not true they actually do have a pretty stringent underwriting process. This has got to be some of the most half-ass DD on Reddit which means it's perfect for this sub so kudos.
Given your prev. analysis on videogame drop rates, and the fact that you're intelligent enough to bundle the COF DD with something more eye-grabbing, this DD might fuck.
COF’s CEO and owner is named Rich Fairbank. Can’t make that shit up. I’m sure they’ll be fine so, calls.
I was a longterm discover investor. I think there are a lot of synergies between them and COF that can be exploited and in the near term COF will be able to use cash from moving their cards to the discover network from visa/mastercard to give better credit card offerings. I also like that they have a relatively small physical footprint since most banking is moving online. Capital One is a long hold for me. AMD is a pure AI hype play, I feel like I’ve ignored it way too long so I waited for AMD to get beaten down and went in.
Everyone other banking app I’ve used I’ve been able to just order a new card in the app. Capital One requires you call them to do so wtf is this inefficient nonsense loading puts on $COF outta spite
Personally, I would be more interested in COF, they bought out Discover and in the next several years will be transferring their cards to their own processing platform. They have had a bad wrap in the past for giving cards to those lower on the credit curve, but from personal experience running a business, they're generous with their credit limits and more innovative with incentives than others.
Yeah but do you personally know anyone who uses SoFi as their bank? I was invested years ago but stepped out after realizing I knew no one, and it could all just be hype. Still waiting. Bought COF instead, cuz that’s what’s in my wallet.
COF ok.. CMG is too risky right now for LT,
that’s not true. COF, CMG, they aren’t momentum stocks
I went outside and everyone was poor. Calls on COF
Implied Volatility (IV)=uncertainty. Higher IV = Higher option premiums = Profit. Earnings remove uncertainty. So IV drops. Capital One last week was a classic example of why you don't want to hold calls expiring in the week of an earnings report. They skyrocketed overnight on a stellar report. But IV dropped pretty fast. so within an hour of the bell, calls that would have been worth 10 bucks were priced below half that. Anyone who didn't sell immediately at open lost any profits they could have pulled in. On top of that, with a huge opening gap up, people sell off to grab the profits. That happens fast enough and it starts triggering more and more sales, the stock craters even in the face of an incredibly positive earnings report. If you came into that day holding COF calls after 9:35 am, you lost your shirt. So yeah, be REALLY careful with HOOD calls. They are expected to do well on earnings, but that does not mean you'll do well on options. I've made good money dumping calls at open, but I lost a ton before I really understood how all this works.
Here are my recommendations, I note that most people will not want to buy it because these stocks are cheap and they are cheap for a reason. Our responsibility as investors is to figure out if these are temp problems or issues that will damage the company permanently. 1. LVMH. Buy because the ceo and chairman is buying with his own money. Two years ago, people could not get enough of this stock. Now, that China stopped buying luxury for the moment, suddenly everyone wants to be socialist and think that cheap chic and knockoffs is a permanent thing. 2. Berkshire Hathaway The company is at a discount right now. The weak knees are selling because they think the company won’t survive without him. I laugh because it is gonna funny when they sell and then they see Buffett live to 99 and continue to attend Berkshire Hathaway shareholder meetings and continue to make decision as chairman. Buy because the company will likely buy back its shares at the current price, or issue a dividend or make a railroad purchase soon. (I wrote the valuation on my Reddit page) 3. Capital One Financial. This company completed last quarter the acquisition of Discover Financial Services and Investors are starting to rate them as a network provider (like Amex, Visa, Mastercard) instead of a savings bank. Some are calling COF as the American Express for the rest of us. What is the similarities among 1,2 and 3? Leadership and ownership. The original founder, leader, and CEO are still involved and they know what drives value for the companies and for their shareholders.
Smart to pick up stocks in April. "...be greedy when others are fearful." Some data center stocks to look at: DOV, ETN, GEV Other ideas: AMZN, COF Several think may get sluggish in the 3rd quarter. Might be a good idea to add to your current positions then or pick up a new stock.
$COF is a great stock to buy and hold
The big AI engines will have completely crawled it by now if your company is on the sp500. Just go to https://gemini.google.com and ask about the results of today's earnings, how are after-hour traders reacting and why. I've been pestering Gemini about one of my investments that reported today ($COF) and was really impressive with the feedback I got.
Thoughts on COF? Pretty much at ATH right now but might keep pumping
Looks at sectors, the banking and insurance have done really well over the last 5 years. Look at COF, JPM, PGR, HIG. Most large insurance and bank stock have beaten the sp500 over the last 5 years.
I have recently (a month or so ago) exited a number of positions and bought back in, as I needed to adjust my portfolio for a down payment on a house, and am migrating over to more of a dividend portfolio. AFRM (+50) FEZ (Euro Stoxx 50 ETF) (+4) SCHD (+3) (new within last month) BBD.A (+50) (new within last month) COF (+20) (new within last month) TECK (+13) (new within last month)
The guy who manages most of my money has me in solid things like VOO, XLK, SCHG. I swing through my IRA. My current top holdings are EWP (Spain), SPMO (amazing momentum etf), EUFN, VIRTUAL and COF.
COF Capital One. Picked it up at 158 now at 220. It bought Discover Card. Now it has its own payment network. No more paying fees to visa or mc. Large CC customer base means pure profit.
I think he admits it sometimes but I don’t watch him on tv much anymore. I am member of his club and his advice on there is great. Just in the past 3 months he’s gotten me in COF, GEV and GS. All up 20-30%
COF maybe ALLY, COF is my pick lower PE and more room for upside imho
From my bro chatgpt Ally Financial (ALLY) – major auto loan provider Santander Consumer USA (SC) – heavily focused on subprime auto lending Capital One Financial (COF) – significant auto loan exposure Wells Fargo (WFC) & Bank of America (BAC) – large indirect auto lending arms GM Financial (owned by GM) and Ford Credit (privately held but benefits GM/Ford)
I had been thinking COF(Capital One) but that isnt a bad idea. But most BNPL companies arent public yet.
This line of thinking is why I am looking for a hedge. There has to be SOMEONE who would benefit from high inflation and rate cuts. COF is the best I have come up with. They can easily raise rates on cards to cope with inflation, their current outstanding loans will be more likely to pay off and they have a lot of mid term debt out there. But there has to be a better choice for a LEAP hedge them them. I am not familiar enough with the details of JXN's balance sheet to evaluate them for this scenario.
>just having a more efficient settlement system in it of itself doesn't necessarily mean they can replace the current legacy system just on that merit alone, right? I suggest you do some research on basic blockchain technology - maybe wiki will suffice. I think the picture becomes more clear if you have a better understanding. You don't need to build out a network, it already exists, the blockchains are public. The benefit to an AMZN or WMT is they don't need to pay a slice of every transaction to a V/MA/AXP/COF. There "cost" is to build a reserve/backing for the stablecoin, and build an interface to tranasct the stablecoin. These are more or less one time operations, that can be iterated on going forward. I don't think a company the size of LYV can really support a stablecoin, it needs to be a cash rich company.
I saw that you added COF is the company. That makes this easy for me. Take the shares. This isn’t some small cap company that might flop. Great company, nice little dividend. Big upside potential with recent acquisition. Just make sure if you do this year after year that COF doesn’t become too big a % of your portfolio.
Jim Cramer, "I see WFC, a club name, going much higher.... same with COF but for different reasons obviously"
I used to own COF and DFS. Read up on the credit card debt crisis and noped out of them both. Benefitted from the merger news surge and exited a week later. COF might survive another 08 level event, but it won’t be pretty. With this merger allowed to go through, I worry about weaker institutions becoming a parasite on stronger ones - thus bringing down more institutions than the 08 crash did. For COF, it makes sense why they took the risk, but now is a horrible time to move forward with it. With things like Klarna out and about, people can amass debt from so many different places so easily.
All of my DFS (Discover Financial) shares (which have done very very well) have now converted to COF (Capital One). I am a LT investor and usually default to buy and hold, but want to make sure that hold is still the proper play with COF as opposed to DFS. Insights appreciated!
Looks like you’re holding some long-term options here with COF and GOOG. The SPY call is an interesting play, but be careful with the COF position, it's in the red. Patience is key, especially when you're playing with options that have a longer time horizon. Good luck! Hope those SPY calls hit big soon
I'll give you 10 companies with higher forward yields and much better EPS consensus forecasts. Google, Meta, Berkshire, JPM, ADBE, WM, TSM, COF, EOG, ASML. The truth is the SP500 has been infected with shitstocks and regard traders. That's why the yields are all fucked. Focus on high quality names and suddenly it seems far more normal overall.
UNH COF and NVO Buy and forget.