Live Report · Updated January 26, 2026

Charles Schwab vs Capital One

This page compares Charles Schwab Corp., The and Capital One Financial Corporation across business models, financial performance, and market context. It presents an accessible, neutral overview of how each organisation operates, generates revenue, and positions itself within the financial services landscape for readers seeking informed understanding. Educational content, not financial advice.

This page compares Charles Schwab Corp., The and Capital One Financial Corporation across business models, financial performance, and market context. It presents an accessible, neutral overview of how...

Comparison Snapshot

Key Financial Metrics

SCHW

Metric

COF

$182.92B

Market Cap

$137.63B

8.36%

Potential Profit

25.90%

Buy

Analyst Rating

Buy

Why It's Moving

Charles Schwab Delivers Record Q4 Results and Strategic AI, Forge Advances Fueling Post-Earnings Rally

Q4 core net new assets hit $163.9 billion while active brokerage accounts reached 38.5 million, signaling robust client growth and engagement.
Forge Global deal approval paves the way for expanded private market access, set to close in H1 2026 pending regulators, bolstering Schwab's alternatives offerings.
Zacks upgraded SCHW to Buy on rising earnings estimates, up 5.5% in three months, reflecting optimism for steady 2026 EPS at $5.73.

Sentiment:

🐃Bullish

Capital One Stock Dips After $5.1B Brex Acquisition and Q4 Earnings Miss

Q4 revenue surged 58% year-over-year to drive $2.1 billion in earnings, validating the Discover merger's synergy potential.
$5.15 billion Brex buyout positions Capital One to capture growth in corporate payments, building on its payments platform transformation.
Company returned $2.5 billion to shareholders via buybacks in Q4, signaling confidence despite margin pressures from heavy investments.

Sentiment:

🌋Volatile

Charles Schwab Delivers Record Q4 Results and Strategic AI, Forge Advances Fueling Post-Earnings Rally

Q4 core net new assets hit $163.9 billion while active brokerage accounts reached 38.5 million, signaling robust client growth and engagement.
Forge Global deal approval paves the way for expanded private market access, set to close in H1 2026 pending regulators, bolstering Schwab's alternatives offerings.
Zacks upgraded SCHW to Buy on rising earnings estimates, up 5.5% in three months, reflecting optimism for steady 2026 EPS at $5.73.

Sentiment:

🐃Bullish

Capital One Stock Dips After $5.1B Brex Acquisition and Q4 Earnings Miss

Q4 revenue surged 58% year-over-year to drive $2.1 billion in earnings, validating the Discover merger's synergy potential.
$5.15 billion Brex buyout positions Capital One to capture growth in corporate payments, building on its payments platform transformation.
Company returned $2.5 billion to shareholders via buybacks in Q4, signaling confidence despite margin pressures from heavy investments.

Sentiment:

🌋Volatile

Investment Analysis

Charles Schwab

SCHW

Pros

Charles Schwab reported record revenue growth of 27% year-over-year in Q3 2025, reaching $6.1 billion in net revenues.
The company attracted $137.5 billion in core net new assets in Q3 2025, a 44% increase compared to the prior year.
Strong profitability with a pre-tax profit margin expanded to 51.3% adjusted, and GAAP earnings per share up 70% year-over-year.

Considerations

Charles Schwab's stock trades at a high premium of over 213%, indicating potential valuation risk relative to fair value.
High uncertainty rating attached to the stock may reflect risks related to market conditions and operational execution.
Exposure to market volatility could impact asset growth and fee revenue given reliance on client investment activities.

Capital One

COF

Pros

Capital One benefits from a diversified consumer finance business with strong credit card and lending products.
The company has a solid track record in digital banking innovation enhancing customer engagement and operational efficiency.
Robust risk management frameworks help mitigate credit and economic cycle risks effectively in its credit portfolio.

Considerations

Capital One faces regulatory and interest rate risks that can pressure net interest margins and loan growth.
Credit losses may increase during economic downturns, leading to higher provisions and impacting profitability.
The company's performance is cyclical and sensitive to changes in consumer credit demand and overall economic health.

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