Oct. 07, 2025 8:49 AM ETCapital One Financial Corporation (COF) StockCOFBlake Callahan2 FollowersCapital One's acquisition of Discover makes it the largest US credit card holder, accelerating net interest income and EPS growth.Immediate synergies include $2.7B in cost savings and new revenue from moving debit cards onto the Discover network, despite higher-than-expected integration costs.Capital One’s cloud technology leadership offers a major opportunity to modernize Discover’s infrastructure, enabling lower costs and better risk management.Owning the Discover network positions Capital One for long-term, high-margin revenue growth, justifying my Buy rating despite integration and regulatory risks.Editor's note: Seeking Alpha is proud to welcome Blake Callahan as a new contributing analyst. You can become one too! Share your best investment idea by submitting your article for review to our editors. Get published, earn money, and unlock exclusive SA Premium access.This article was written byBlake Callahan2 FollowersI am a fundamental investor and writer who specializes in forensic analysis of company financials. My research blends deep financial-statement work with industry context to identify both overlooked winners and trends in development. I want the story behind the numbers, not just talking points. My primary sector focus is technology and large caps, and I also cover select consumer and industrial names where market trends create opportunity. My investing approach is long-term and evidence-driven: I prioritize cash-flow sustainability, conservative balance-sheet analysis, and buying with a margin of safety. I bring professional experience in financial advice and formal education in accounting to my research. I write on Seeking Alpha to translate my research into readable, actionable insight so readers can make better, risk-aware decisions. Follow for high-conviction idea write-ups.Analyst’s Disclosure:I/we have no stock, option or similar derivative position in any of the companies mentioned, and no plans to initiate any such positions within the next 72 hours. I wrote this article myself, and it expresses my own opinions. I am not receiving compensation for it (other than from Seeking Alpha). I have no business relationship with any company whose stock is mentioned in this article.Seeking Alpha's Disclosure: Past performance is no guarantee of future results. No recommendation or advice is being given as to whether any investment is suitable for a particular investor. Any views or opinions expressed above may not reflect those of Seeking Alpha as a whole. Seeking Alpha is not a licensed securities dealer, broker or US investment adviser or investment bank. Our analysts are third party authors that include both professional investors and individual investors who may not be licensed or certified by any institute or regulatory body.Comments