B-62/100

Is Capital One (COF) a risky stock?

Sector: Financials Price: $204.82 Composite: 62/100

As of July 21, 2026, Clavix grades Capital One (COF) B- for risk, a composite score of 62 out of 100 on an A+ to F scale, which puts COF in the "average" band. The grade is a risk read for educational purposes, not a buy or sell recommendation.

Grade as of July 21, 2026. Clavix regrades every trading day.

The five risk dimensions behind COF's grade

Each Clavix grade is a composite of five independent reads. Higher is safer. Here is how COF scores on each, as of July 21, 2026.

Financial healthbalance sheet, margins, cash flow
63
News sentimentscored, sourced recent coverage
45
Macro exposuresensitivity to rates, dollar, oil
66
Sector resiliencestrength vs the broad market
57
Price stabilitydrawdown and volatility
46

What's moving COF's risk right now

Company-specific signals Clavix flags behind COF's current grade, drawn from recent news and filings as of July 21, 2026.

Margins · raising risk

For COF (Capital One), the post-merger rate reduction on former Discover HYSAs signals rate compression on acquired deposit products, which could pressure net interest margins but…

Regulatory · mixed signal

Capital One says Palo Alto Networks stock will rip higher from here in the second half of 2026. Here’s why the firm is bullish on PANW shares.

What a B- grade means

On the Clavix A+ to F scale, COF's composite of 62 falls in the C band (50–64), read as "average." The scale is fixed, so the meaning never moves.

A+AA-B+BB-C+CC-D+DD-F
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This page is generated from Clavix's own risk model and is for educational purposes only. It is not investment advice or a recommendation to buy or sell COF or any security. Grades are risk indicators, not predictions of return. Data may be delayed.