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COF Dividend DRIP Calculator 2026
1.60% YieldFinancial ServicesCapital One Financial Corporation · NYSE
Price: $200.21 · Annual div: $3.20/share · Frequency: quarterly · Payout ratio: 79% · Ex-div: 2026-08-17
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Annual dividend income growth
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🎯 When COF pays your bills
Year your monthly dividend income covers each expense (based on current settings)
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$10,000 in COF → $40.4K in 10 years · $62.97/month
About Capital One Financial Corporation (COF) — Dividend Analysis 2026
Capital One Financial Corporation, identified by its ticker COF, operates as a prominent financial services holding company. It oversees essential subsidiaries such as Capital One Bank (USA), National Association, and Capital One, National Association, which collectively offer a broad spectrum of financial products and services throughout the United States, Canada, and the United Kingdom. The company structures its extensive operations into three core divisions: Credit Card, Consumer Banking, and Commercial Banking. Clients can utilize various deposit instruments, including checking accounts, money market accounts, negotiable order of withdrawal (NOW) accounts, savings accounts, and time deposits. Capital One's lending solutions are equally comprehensive, encompassing credit card financing, personal auto and retail banking loans, as well as significant commercial and multifamily real estate loans, and broader commercial and industrial credit facilities. Furthermore, the corporation provides credit and debit card issuance, robust online direct banking capabilities, and specialized treasury management and custodial services. Capital One serves a diverse clientele that includes individual consumers, small enterprises, and large commercial entities. It reaches these customers through a multi-channel approach, leveraging digital platforms, traditional physical branches, innovative café locations, and other distribution points, particularly within key states like New York, Louisiana, Texas, Maryland, Virginia, New Jersey, and California. Established in 1988, Capital One Financial Corporation maintains its primary executive offices in McLean, Virginia.
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This calculation uses the DividendFlow Engine v6.0. Data is verified daily against SEC filings and FMP real-time feeds to ensure projection accuracy.
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🌍 COF Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold COF.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 1.60% | -1.20% | $160 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 1.36% | -1.44% | $136 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 1.28% | -1.52% | $128 / yr |
| 🇬🇧 UK ISA | 0% | 1.60% | -1.20% | $160 / yr |
| 🇬🇧 UK Taxable | 8.75% | 1.46% | -1.34% | $146 / yr |
| 🇨🇦 TFSA | 0% | 1.60% | -1.20% | $160 / yr |
| 🇨🇦 CA Taxable | 25% | 1.20% | -1.60% | $120 / yr |
| 🇦🇺 Super (pension) | 15% | 1.36% | -1.44% | $136 / yr |
| 🇦🇺 AU Taxable | 30% | 1.12% | -1.68% | $112 / yr |
| 🇩🇪 DE Taxable | 26.375% | 1.18% | -1.62% | $118 / yr |
| 🇫🇷 FR Taxable | 30% | 1.12% | -1.68% | $112 / yr |
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
🎯 COF Income Goal & Break-Even
12-month CPI (US BLS via FMP economic-indicators).
Based on current dividend of $3.20/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 COF Dividend Payment Schedule
COF pays quarterly — 4 times per year. Ex-div: 2026-08-17.
📊 COF vs Financial Services Benchmarks
How COF compares to typical Financial Services averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for COF sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ COF Insider Activity
When executives buy their own stock, it's a signal they believe in the dividend's sustainability.
| Insider | Title | Type | Date | Shares | Price | Total Value |
|---|---|---|---|---|---|---|
| Sale | 2026-09-15 | 2,017 | $206.07 | $415.6K | ||
| Sale | 2026-09-15 | 2,066 | $206.07 | $425.7K | ||
| Sale | 2026-09-01 | 3,500 | $214.10 | $749.4K | ||
| Sale | 2026-08-17 | 2,192 | $225.52 | $494.3K | ||
| Sale | 2026-08-17 | 1 | $225.92 | $226.00 | ||
| Sale | 2026-08-17 | 1,887 | $225.52 | $425.6K | ||
| Sale | 2026-08-17 | 1 | $225.92 | $226.00 | ||
| Sale | 2026-08-13 | 1,199 | $225.00 | $269.8K | ||
| Sale | 2026-08-10 | 5,473 | $218.02 | $1.19M | ||
| Sale | 2026-08-07 | 50 | $218.49 | $10.9K |
Insider transactions sourced from SEC Form 4 filings via Financial Modeling Prep. See disclaimer.
Analyst Price Target
Wall Street consensusAnalyst consensus price target via FMP. Not a guarantee of future performance. Past analyst accuracy varies.
Peer Group
Similar companies in the same sectorCompare COF with peers: COF vs BAC · COF vs HOOD · COF vs PGR
Financial Health Scores
Altman Z-Score predicts bankruptcy risk. Piotroski F-Score measures financial strength across 9 criteria. High scores → lower dividend cut risk. Data via FMP financial statements.
Geographic Revenue Breakdown
Where COF earns its moneyRevenue breakdown from latest annual report via FMP. Percentages may not sum to 100% due to rounding.
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the COF dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →
Capital One Financial Corporation (COF) is currently trading at $200.21, 23% below its 52-week high. The current dividend yield is 1.60% based on an annual payout of $3.20 per share.
Capital One Financial Offers Strong Dividend Growth with Moderate Safety Concerns
AI SummaryCapital One Financial Corporation operates in the Financial Services sector with a market capitalization of $120.2B, trading at $195.91 per share with a high P/E ratio of 48.6. The company pays an annual dividend of $3.20, yielding 1.63%. Despite a relatively high payout ratio of 79%, the firm has demonstrated an impressive 5-year dividend compound annual growth rate of 15.1%. While the rapid historical dividend growth highlights management's commitment to returning capital to shareholders, the elevated payout ratio and volatile earnings multiple suggest dividend growth may moderate. The current yield remains modest, making the stock more suitable for investors prioritizing long-term dividend expansion over immediate income generation.
- High payout ratio of 79% limits flexibility for future dividend increases
- Elevated P/E ratio of 48.6 indicates potential valuation vulnerability
Generated by AI using live market data. For educational purposes only — not financial advice.
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