Capital One missed earnings estimates despite strong revenue growth, with insider selling and a high payout ratio raising concerns.

Capital One Financial (COF) reported Q4 earnings of $3.86 per share, missing estimates by $0.28, despite a 53.3% year-over-year revenue surge. The stock traded at $185.25 on March 10, 2026, with a market cap of $115.21 billion and a 1.7% dividend yield, though the payout ratio reached 108.11%. Capital International increased its stake by 14.9% to 324,082 shares, valued at $68.9 million, while Schroder reduced its holding by 3.4%. Insiders sold $14.4 million in shares over 90 days, reducing their ownership to 1.26%. Analysts maintain a "Moderate Buy" consensus with a $274.70 target.