UBS maintains Capital One Buy rating, $235 target

Published 21/04/2025, 16:02
UBS maintains Capital One Buy rating, $235 target

On Monday, UBS reaffirmed its Buy rating and $235.00 price target for Capital One Financial (NYSE:COF) shares, well above the current trading price of $162.84. According to InvestingPro analysis, Capital One appears undervalued, with analyst targets ranging from $160 to $251. The endorsement comes after the company secured regulatory approval from the Federal Reserve and the Office of the Comptroller of the Currency (OCC) for its deal with DFS on Good Friday. Despite the current heightened macroeconomic uncertainty due to tariff issues, UBS analysts believe the long-term earnings potential of Capital One remains attractive.

Capital One’s stock concluded the previous week at approximately $163, trading at a P/E ratio of 14.14. UBS analysts anticipate that the company’s earnings per share (EPS) will reach $21.25 in 2026, $26.05 in 2027, and approximately $32 by 2029, building on its current EPS of $11.61. These projections suggest a low-20s percentage return on tangible common equity (ROTCE) based on a 13.3% common equity tier 1 (CET1) ratio.

The analysts expect Capital One’s shares to perform strongly, driven by the anticipated benefits of the DFS deal. UBS views Capital One as a distinct structural beneficiary in the financial sector, with the potential to outperform despite cyclical economic concerns. InvestingPro data shows the company maintains a GOOD financial health score and has consistently paid dividends for 31 consecutive years, demonstrating its resilience. The firm’s outlook suggests a confidence in Capital One’s ability to navigate through current market challenges and emerge with robust earnings growth in the medium to long term. For deeper insights into Capital One’s valuation and growth prospects, access the comprehensive Pro Research Report available on InvestingPro, along with 6 additional ProTips.

In other recent news, Capital One Financial Corporation has introduced Databolt, a new tokenization technology aimed at enhancing data security for businesses. This solution replaces sensitive data with secure tokens, reducing exposure risk without compromising performance. Capital One Software (ETR:SOWGn), the company’s division responsible for Databolt, highlights its cloud-native architecture, which can handle up to 4 million tokens per second, facilitating easy integration into various infrastructures. In related developments, Baird analysts raised Capital One’s stock price target to $200 while maintaining an Outperform rating, citing the Department of Justice’s recent approval of a significant transaction that adds certainty to its completion. This approval is expected to allow Capital One to focus on above-average pre-provision net revenue growth.

Meanwhile, Discover Financial Services (NYSE:DFS) is experiencing optimism regarding a proposed $35 billion merger, following reports that the Department of Justice may not oppose the deal. The merger, initially announced in February 2024, faced skepticism due to potential negative impacts on consumers, but recent developments suggest a smoother path forward. Additionally, Atomic has secured a $10 million strategic investment, with participation from Capital One Ventures, Citi Ventures, and F.N.B. (NYSE:FNB) Corporation. This funding will support Atomic’s expansion and innovation in financial connectivity solutions, reinforcing its partnerships with major financial institutions.

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