COF

Capital One Financial Corporation is a diversified financial services holding company providing banking, credit card, auto lending, and commercial banking products and services. The company operates through Credit Card (consumer and small business credit cards), Consumer Banking (deposits, online banking, auto loans, home loans), and Commercial Banking (middle-market lending, real estate financing) segments. Capital One is one of the largest credit card issuers in the United States, known for direct marketing, data analytics, and digital banking capabilities. The company serves millions of customers through digital channels, branches, and cafes. Founded in 1988 as a spin-off from Signet Bank and headquartered in McLean, Virginia, Capital One pioneered information-based marketing and risk management in consumer lending. The company has expanded into full-service banking through acquisitions including ING Direct USA (now Capital One 360). Capital One benefits from strong credit card franchise, technology capabilities, diversified business mix, and brand recognition. The company faces credit cycle risks, competitive pressures in credit cards and banking, regulatory requirements, and technology challenges. Capital One continues to invest in digital banking, technology, customer experience, and data analytics while managing credit quality.