Capital One Financial Corporation (COF)
Capital One is a bank and card issuer focused on credit cards, auto lending, and digital banking.
Financials stock comparison
COF vs JPM: which business are you actually underwriting?
Compare Capital One Financial Corporation with JPMorgan Chase & Co. using their business models, SEC classifications, fiscal calendars, current primary filings, and the research questions that matter. This is a thesis framework—not a price target or automatic winner.
- Sector
- Financials
- Industry
- Same SIC
- Shared themes
- 2
- Updated
- 2026-02-19
COF vs JPM: quick comparison
| Company fact | COF | JPM |
|---|---|---|
| Company | Capital One Financial Corporation | JPMorgan Chase & Co. |
| Exchange | NYSE | NYSE |
| Headquarters | Not recorded | New York, New York |
| Founded | Not recorded | 1799 |
| SEC industry | National Commercial Banks | National Commercial Banks |
| Fiscal year-end | December 31 | December 31 |
| Latest annual filing | 10-K · 2026-02-19 | 10-K · 2026-02-13 |
How the businesses differ
JPMorgan Chase & Co. (JPM)
JPMorgan Chase is the largest US bank by assets, with leading positions in consumer banking, investment banking, and asset management. Its scale and diversification make it a bellwether for the financial system.
The useful starting point is not which ticker has performed better. It is whether the two companies convert the same economic forces into revenue and cash flow in the same way. COF is classified by the SEC as National Commercial Banks, while JPM is classified as National Commercial Banks. The matching industry code strengthens the peer comparison, although product mix can still differ materially.
Which thesis does each company fit?
Use the distinction below to decide which filing deserves deeper work. It is a research routing rule, not a recommendation or prediction.
Study COF when…
- The shape of the yield curve and net interest margins
- Credit quality and loan-loss provisions
- Regulation and capital requirements
- Deal activity and market volatility
Study JPM when…
- The shape of the yield curve and net interest margins
- Credit quality and loan-loss provisions
- Regulation and capital requirements
- Deal activity and market volatility
Shared research themes
US marketsRates & central banks
SEC filing comparison and disclosure evidence
Start with primary filings because fiscal calendars and accounting presentation can make superficially similar quarters incomparable.COF's fiscal year ends December 31, while JPM's ends December 31. Normalize the reporting periods before comparing growth, margins, capital intensity, or guidance.
The current verified House Clerk snapshot contains 0matched transaction rows for COFand 0 for JPM. These delayed, range-based disclosures can identify a filing to inspect; they do not establish motive, conviction, or a real-time trading signal.
COF primary filings
JPM primary filings
What this comparison cannot tell you
This page does not contain licensed live prices, a valuation model, earnings estimates, portfolio constraints, or a forecast of future returns. SEC classifications can be broad, company descriptions can lag strategic change, and the latest annual filing may predate a material acquisition or divestiture. Read subsequent quarterly and current reports before making a decision.
A stronger business is not automatically the better stock. Starting valuation, expectations, capital structure, cyclicality, dilution, and the probability of each thesis determine the investment outcome. Use this comparison to frame the work, then verify the numbers in the linked filings and current company disclosures.
More comparisons involving COF or JPM
COF vs JPM FAQs
Are COF and JPM direct competitors?
Capital One Financial Corporation and JPMorgan Chase & Co. share the SEC industry classification “National Commercial Banks.” That makes the operating comparison relevant, but it does not prove that every product, customer, or revenue stream competes directly.
Which is better, COF or JPM?
There is no context-free winner. Compare the operating exposures, filing evidence, valuation, balance sheet, and risks against the specific thesis you are testing. This page deliberately does not turn a static profile into a buy or sell recommendation.
Does this COF vs JPM comparison include live prices?
No. Yield Theory does not republish unlicensed real-time market data. Use a regulated broker or licensed quote provider for current prices, then use the primary filings here to test the business thesis.
Where does the company information come from?
Company classifications, fiscal year-ends, and filing links come from the SEC EDGAR submissions API snapshot refreshed 2026-08-10. Business summaries and research themes are maintained by Yield Theory.
Data snapshot: SEC EDGAR submissions API, refreshed 2026-08-10. Independent educational research; not investment advice.
Go beyond COF vs JPM.
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