Capital One

Founder-CEO Richard Fairbank has led Capital One since inception and is widely regarded for disciplined underwriting, marketing science, and technology bets that were early and transformative. Insider ownership is meaningful though not controlling, with Fairbank historically holding about 1 percent of shares, aligning interests.

Execution culture appears strong, with credible communication around capital, credit, and technology, and management rapidly framed long-term capital needs and resumed buybacks after closing Discover.