Based on the aggregated intelligence of 135,000-plus investors participating in Motley Fool CAPS, the Fool's free investing community, credit card company Capital One Financial (NYSE:COF) has received the dreaded one-star ranking.

With that in mind, let's take a closer look at Capital One's business, and see what CAPS investors are saying about the stock right now.

Capital One facts

Headquarters (founded)

McLean, Va. (1993)

Market Cap

$9.67 billion

Industry

Credit Services

TTM Revenue

$7.6 billion

Management

Founder/CEO Richard Fairbank

CFO Gary Perlin

Return on Equity (average, last five years and TTM)

11.3% and (2.5%)

3-Month Return

142%

Competitors

American Express (NYSE:AXP)

MasterCard (NYSE:MA)

CAPS members bearish on COF also bearish on

Citigroup (NYSE:C)

General Motors (NYSE:GM)

CAPS members bullish on COF also bullish on

Bank of America (NYSE:BAC)

General Electric (NYSE:GE)

Sources: Capital IQ, a division of Standard & Poor's, and Motley Fool CAPS. TTM = trailing 12 months.

Over on CAPS, fully 501 of the 1,212 members who have rated Capital One -- some 41% -- believe the stock will underperform the S&P 500 going forward. These bears include All-Star leohaas, who is ranked in the top 1% of our community, and smartdanny.

In April, leohaas refused to give Capital One any credit:

The problem for [Capital One] and other [credit card] companies is that what you owe them is unsecured debt. Over the next year or so, they are gonna have to write off an awful lot of that. All courtesy of the bad economy and the overleveraged consumers.

In a pitch from last month, smartdanny shares that skeptical stance:

The business of loaning money to customers who are up to their eyeballs in debt, can only work as long as employment remains strong and there is a general trend of rising wages. Those key conditions are no longer present and probably won't return for some time, regardless of what the President of any of his economic henchmen say. We are and will continue to be in a period of deflation following the largest debt bubble in human history, and as a result people and businesses will continue to default on existing debt for many years. While lies about the health of the banks balance sheets may drive Capital One up the short term, in a few years I think there is a substantial chance that they will be out of business.

What do you think about Capital One, or any other stock for that matter? Make your voice heard on Motley Fool CAPS today. More than 135,000 investors are waiting to hear what you have to say. CAPS is 100% free, so simply click here to get started.

Fool contributor Brian Pacampara owns no position in any of the companies mentioned. The Fool owns shares of American Express, which is a Motley Fool Inside Value pick. The Fool's disclosure policy always gets a perfect score.