Trump's 10% Credit Card APR Cap Looms Over Capital One Ahead Of Q4: Analysts Warn Bank Is 'Most Vulnerable'

Benzinga_recent_news01-21 17:53

Financial services company $Capital One Financial Corp(COF-N)$. (NYSE:COF) is set to report its fourth quarter results on Thursday, amid the looming threat of President Donald Trump’s proposed 10% cap...

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(NYSE:COF) is set to report its fourth quarter results on Thursday, amid the looming threat of President Donald Trump’s proposed 10% cap...</p>\n\n<a href=\"https://www.benzinga.com/news/financing/26/01/50028393/trumps-10-credit-card-apr-cap-looms-over-capital-one-ahead-of-q4-analysts-warn-bank-is-most-vulnerable\">Source Link</a>\n\n</div>\n","source":"benzinga_recent_news","html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Trump's 10% Credit Card APR Cap Looms Over Capital One Ahead Of Q4: Analysts Warn Bank Is 'Most Vulnerable'</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nTrump's 10% Credit Card APR Cap Looms Over Capital One Ahead Of Q4: Analysts Warn Bank Is 'Most Vulnerable'\n</h2>\n\n<h4 class=\"meta\">\n\n\n2026-01-21 17:53 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.benzinga.com/news/financing/26/01/50028393/trumps-10-credit-card-apr-cap-looms-over-capital-one-ahead-of-q4-analysts-warn-bank-is-most-vulnerable><strong>Benzinga_recent_news</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Financial services company $Capital One Financial Corp(COF-N)$. (NYSE:COF) is set to report its fourth quarter results on Thursday, amid the looming threat of President Donald Trump’s proposed 10% cap...</p>\n\n<a href=\"https://www.benzinga.com/news/financing/26/01/50028393/trumps-10-credit-card-apr-cap-looms-over-capital-one-ahead-of-q4-analysts-warn-bank-is-most-vulnerable\">Source Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"LU0648000940.SGD","symbol_name":"Natixis Harris Associates Global Equity RA SGD","start_time":0,"source_url":"https://www.benzinga.com/news/financing/26/01/50028393/trumps-10-credit-card-apr-cap-looms-over-capital-one-ahead-of-q4-analysts-warn-bank-is-most-vulnerable","article_id":"2605010853","we_media_id":null,"thumbnails":["https://cdn.benzinga.com/files/images/story/2026/01/21/capital-one-shutter2.jpeg?optimize=medium&dpr=2&auto=webp&width=240"],"rights":{"source":"benzinga_recent_news","url":"https://www.benzinga.com/news/financing/26/01/50028393/trumps-10-credit-card-apr-cap-looms-over-capital-one-ahead-of-q4-analysts-warn-bank-is-most-vulnerable","rn_cache_url":null,"directOrigin":true},"url":"https://stock-news.laohu8.com/highlight/detail?id=2605010853","pubTimestamp":1768989180,"columns":[],"sourceInfo":{"source_id":"benzinga_recent_news","name":"Benzinga"},"weMediaInfo":null,"summary":"Financial services company, Capital One Financial Corp. is set to report its fourth quarter results on Thursday.","collect":0,"end_time":0,"defaultTopTitle":"benzinga.com","property":[],"viewcount":null,"language":"en","relate_stocks":{"LU0648000940.SGD":"Natixis Harris Associates Global Equity RA SGD","LU1201861249.SGD":"Natixis Harris Associates US Equity PA SGD-H","LU0130517989.USD":"HARRIS ASSOCIATES US VALUE EQUITY \"R\" INC","IE00B19Z3B42.SGD":"Legg Mason ClearBridge - Value A Acc SGD","LU0130102774.USD":"Natixis Harris Associates US Equity RA USD","LU0980610538.SGD":"Natixis Harris Associates US Equity RA SGD-H","LU0648001328.SGD":"Natixis Harris Associates US Equity RA SGD","IE0002270589.USD":"LEGG MASON CLEARBRIDGE VALUE \"A\" (USD) INC","BK4585":"ETF&股票定投概念","IE000M9KFDE8.USD":"NEUBERGER BERMAN US LARGE CAP VALUE \"A\" (USD) ACC","LU0130518102.USD":"HARRIS ASSOCIATES GLOBAL EQUITY \"R\" INC","LU0477156797.USD":"HARRIS ASSOCIATES GLOBAL EQUITY \"RE\" (USD) ACC","LU0477156953.USD":"HARRIS ASSOCIATES US VALUE EQUITY \"RE\" (USD) ACC","LU2108987350.USD":"UBS (LUX) EQUITY SICAV GLOBAL OPPORTUNITY SUSTAINABLE (USD) \"P\" (USD) ACC","LU0053666078.USD":"摩根大通基金-美国股票A（离岸）美元","LU1074936037.SGD":"JPMorgan Funds - US Value A (acc) SGD","LU1791807156.HKD":"BGF WORLD FINANCIALS \"A2\" (HKDHDG) ACC","LU1861217088.USD":"贝莱德金融科技A2","LU1861220207.SGD":"Blackrock FinTech A2 SGD-H","BK4516":"特朗普概念","LU0211331839.USD":"FRANKLIN MUTUAL GLB DISCOVERY \"A\" (USD) ACC","BK4559":"巴菲特持仓","BK4166":"消费信贷","LU0683600562.USD":"AB SELECT US EQUITY \"A\" (USD) ACC","LU2487616109.SGD":"JPM AMERICA EQUITY \"A\" (SGD) ACC","COF":"第一资本","BK4588":"碎股","IE00BFXG1179.USD":"BNY MELLON U.S. EQUITY INCOME \"B\" (USD) INC","LU0787776722.HKD":"AB SELECT US EQUITY PORTFOLIO \"A\" (HKD) ACC","LU0210528500.USD":"JPM AMERICA EQUITY \"A\" ACC","IE00B19Z3581.USD":"Legg Mason ClearBridge - Value A Acc USD","LU0130103400.USD":"Natixis Harris Associates Global Equity RA USD","LU1323610961.USD":"UBS (LUX) EQUITY SICAV - LONG TERM THEMES (USD) \"P\" (USD) ACC","LU2360107671.USD":"BGF FINTECH \"A4\" (USD) INC","LU1201861165.SGD":"Natixis Harris Associates Global Equity PA SGD","LU0106831901.USD":"贝莱德世界金融基金A2","LU1668664300.SGD":"Blackrock World Financials A2 SGD-H"},"translate_title":"特朗普在第四季度之前对第一资本设定10%的信用卡年利率上限：分析师警告银行“最脆弱”","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"COF":1.5},"content_text":"Financial services company $Capital One Financial Corp(COF-N)$. (NYSE:COF) is set to report its fourth quarter results on Thursday, amid the looming threat of President Donald Trump’s proposed 10% cap on credit card interest rates, which analysts said leaves the bank more exposed relative to its peers.\nAccording to analysts at CFRA Research, Capital One is among the “most vulnerable” to this policy proposal, given its heavy reliance on revolving credit card balances and net interest income.\nDuring its third-quarter results, Capital One reported $271 billion in credit card loans, up 70% year-over-year, following its acquisition of Discover Financial Services, which closed early last year. \nThe credit card segment represents the largest share of Capital One's loan portfolio, which totaled $443 billion towards the end of the third-quarter, and remains a key driver of revenue. Net interest margin reached 8.36% during the quarter, supported largely by higher yields across the company's credit card portfolio.\nAlexander Yokum, an equity research analyst at CFRA Research, said that banks such as Capital One, with large credit portfolios, can see at least 10% earnings pressure if Trump’s proposal goes through. \nDespite these concerns, analysts remain bullish on Capital One ahead of its fourth-quarter results, with JPMorgan Chase reiterating its “Overweight” rating on the stock, while increasing its Price Target to $300 from $280, representing a 30.62% upside from current levels.\nAnalyst Jim Cramer, the host of CNBC’s “Mad Money,” said recently that all banks are cheap, while singling out Capital One as the “cheapest of all,” and having the “most upside,” compared to its peers in the industry.\nCapital One Financial currently trades at just 10.56 times forward earnings, compared to the SPDR S&P 500 ETF Trust (NYSE:SPY), which tracks the S&P 500, with a price-to-earnings ratio of 27.43. \nShares of Capital One were down 4.36% on Tuesday, closing at $228.72, and are up 0.56% overnight. The stock scores high on Momentum and Quality in Benzinga’s Edge Stock Rankings, with a favorable price trend in the Medium and Long terms. \nPhoto courtesy: Shutterstock","kind":"highlight","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"-1","news_tag":"","news_rank":0,"symbols":[],"gpt_button":0,"need_auth":false,"code":"91000000","status":"200"},"commentList":[],"isCommentEnd":true,"newsSizeData":{"likeSize":0,"commentSize":0,"repostSize":0,"favoriteSize":0,"likeStatus":false,"favoriteStatus":false},"APP":{"userAgent":"Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; +claudebot@anthropic.com)","isDev":false,"isTTM":true,"tenantId":"TBGLOBAL","deviceId":"web-server-community-laohu8-v3","version":"4.36.0","shortVersion":"4.36.0","platform":"web","vendor":"web","appName":"ttm","isIOS":false,"isAndroid":false,"isTiger":false,"isTHS":false,"isWeiXin":false,"isWeiXinMini":false,"isWeiBo":false,"isQQ":false,"isBaiduSwan":false,"isBaiduBox":false,"isDingTalk":false,"isToutiao":false,"isOnePlus":false,"isHuaWei":false,"isXiaomi":false,"isXiaomiWebView":false,"isOppo":false,"isVivo":false,"isSamsung":false,"isMobile":false},"href":"/m/news/2605010853","isCrawlerRequest":true}