Switch to:
Also traded in: Germany, Mexico

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 3/10

vs
industry
vs
history
Cash-to-Debt 0.21
NYSE:COF's Cash-to-Debt is ranked lower than
68% of the 449 Companies
in the Global Credit Services industry.

( Industry Median: 8.43 vs. NYSE:COF: 0.21 )
Ranked among companies with meaningful Cash-to-Debt only.
NYSE:COF' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.01  Med: 0.12 Max: 0.95
Current: 0.21
0.01
0.95
Equity-to-Asset 0.14
NYSE:COF's Equity-to-Asset is ranked lower than
86% of the 413 Companies
in the Global Credit Services industry.

( Industry Median: 0.43 vs. NYSE:COF: 0.14 )
Ranked among companies with meaningful Equity-to-Asset only.
NYSE:COF' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.1  Med: 0.14 Max: 0.18
Current: 0.14
0.1
0.18
Debt-to-Equity 1.02
NYSE:COF's Debt-to-Equity is ranked higher than
55% of the 220 Companies
in the Global Credit Services industry.

( Industry Median: 1.40 vs. NYSE:COF: 1.02 )
Ranked among companies with meaningful Debt-to-Equity only.
NYSE:COF' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.67  Med: 1.58 Max: 6.25
Current: 1.02
0.67
6.25
Debt-to-EBITDA 1.88
NYSE:COF's Debt-to-EBITDA is ranked lower than
54% of the 283 Companies
in the Global Credit Services industry.

( Industry Median: 6.70 vs. NYSE:COF: 1.88 )
Ranked among companies with meaningful Debt-to-EBITDA only.
NYSE:COF' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0  Med: 0 Max: 1.88
Current: 1.88
0
1.88
Beneish M-Score: -2.51
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 4/10

vs
industry
vs
history
Net Margin % 13.75
NYSE:COF's Net Margin % is ranked lower than
62% of the 438 Companies
in the Global Credit Services industry.

( Industry Median: 13.22 vs. NYSE:COF: 13.75 )
Ranked among companies with meaningful Net Margin % only.
NYSE:COF' s Net Margin % Range Over the Past 10 Years
Min: -0.33  Med: 17.28 Max: 20.29
Current: 13.75
-0.33
20.29
ROE % 7.03
NYSE:COF's ROE % is ranked lower than
61% of the 436 Companies
in the Global Credit Services industry.

( Industry Median: 6.88 vs. NYSE:COF: 7.03 )
Ranked among companies with meaningful ROE % only.
NYSE:COF' s ROE % Range Over the Past 10 Years
Min: -0.31  Med: 9.13 Max: 11.11
Current: 7.03
-0.31
11.11
ROA % 1.04
NYSE:COF's ROA % is ranked lower than
66% of the 453 Companies
in the Global Credit Services industry.

( Industry Median: 2.32 vs. NYSE:COF: 1.04 )
Ranked among companies with meaningful ROA % only.
NYSE:COF' s ROA % Range Over the Past 10 Years
Min: -0.03  Med: 1.31 Max: 1.56
Current: 1.04
-0.03
1.56
3-Year Revenue Growth Rate 12.60
NYSE:COF's 3-Year Revenue Growth Rate is ranked higher than
62% of the 356 Companies
in the Global Credit Services industry.

( Industry Median: 6.60 vs. NYSE:COF: 12.60 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
NYSE:COF' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -7.5  Med: 5.8 Max: 46.5
Current: 12.6
-7.5
46.5
3-Year EPS without NRI Growth Rate -20.80
NYSE:COF's 3-Year EPS without NRI Growth Rate is ranked lower than
80% of the 300 Companies
in the Global Credit Services industry.

( Industry Median: 8.00 vs. NYSE:COF: -20.80 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
NYSE:COF' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -72.5  Med: 19.6 Max: 268.9
Current: -20.8
-72.5
268.9
GuruFocus has detected 2 Warning Signs with Capital One Financial Corp NYSE:COF.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» NYSE:COF's 30-Y Financials

Financials (Next Earnings Date: 2019-01-24 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q3 2017

COF Guru Trades in Q3 2017

Steven Cohen 1,647,291 sh (+229.39%)
Pioneer Investments 72,156 sh (+162.40%)
Jim Simons 1,454,299 sh (+47.03%)
Chris Davis 11,581,237 sh (+43.65%)
Joel Greenblatt 3,234 sh (+21.85%)
Bernard Horn 72,600 sh (+18.63%)
Richard Pzena 4,588,908 sh (+13.54%)
Bill Nygren 5,063,000 sh (+8.58%)
HOTCHKIS & WILEY 6,317,935 sh (+5.66%)
Ken Fisher 1,324,145 sh (+0.78%)
Ruane Cunniff 1,601,000 sh (+0.06%)
David Dreman 11,966 sh (unchged)
Jerome Dodson Sold Out
Louis Moore Bacon Sold Out
Paul Tudor Jones Sold Out
John Buckingham 75,744 sh (-0.08%)
Dodge & Cox 43,927,401 sh (-1.00%)
Barrow, Hanley, Mewhinney & Strauss 2,999,038 sh (-2.00%)
Caxton Associates 6,300 sh (-3.08%)
Ray Dalio 12,617 sh (-37.60%)
Diamond Hill Capital 995,954 sh (-74.27%)
Jeremy Grantham 9,200 sh (-94.02%)
» More
Q4 2017

COF Guru Trades in Q4 2017

Louis Moore Bacon 625,000 sh (New)
Pioneer Investments 211,257 sh (+192.78%)
Joel Greenblatt 6,752 sh (+108.78%)
Chris Davis 11,898,226 sh (+2.74%)
Ken Fisher 1,350,465 sh (+1.99%)
Richard Pzena 4,660,524 sh (+1.56%)
David Dreman 11,966 sh (unchged)
Ruane Cunniff 1,601,000 sh (unchged)
Bill Nygren 5,063,000 sh (unchged)
Bernard Horn 72,600 sh (unchged)
Ray Dalio Sold Out
Caxton Associates Sold Out
Dodge & Cox 43,826,372 sh (-0.23%)
John Buckingham 75,464 sh (-0.37%)
Barrow, Hanley, Mewhinney & Strauss 2,950,374 sh (-1.62%)
HOTCHKIS & WILEY 5,738,312 sh (-9.17%)
Jeremy Grantham 5,000 sh (-45.65%)
Diamond Hill Capital 461,749 sh (-53.64%)
Steven Cohen 733,300 sh (-55.48%)
Jim Simons 246,999 sh (-83.02%)
» More
Q1 2018

COF Guru Trades in Q1 2018

Tom Gayner 75,000 sh (New)
Ray Dalio 14,462 sh (New)
George Soros 142,980 sh (New)
Pioneer Investments 269,344 sh (+27.50%)
Chris Davis 13,368,267 sh (+12.36%)
Richard Pzena 4,877,701 sh (+4.66%)
John Buckingham 75,832 sh (+0.49%)
David Dreman 11,966 sh (unchged)
Ruane Cunniff 1,601,000 sh (unchged)
Bill Nygren 5,063,000 sh (unchged)
Bernard Horn 72,600 sh (unchged)
Dodge & Cox 43,164,037 sh (-1.51%)
Steven Cohen 680,687 sh (-7.17%)
HOTCHKIS & WILEY 5,116,361 sh (-10.84%)
Barrow, Hanley, Mewhinney & Strauss 2,582,523 sh (-12.47%)
Jeremy Grantham 4,100 sh (-18.00%)
Jim Simons 201,099 sh (-18.58%)
Ken Fisher 1,030,956 sh (-23.66%)
Joel Greenblatt 5,077 sh (-24.81%)
Louis Moore Bacon 400,000 sh (-36.00%)
Diamond Hill Capital 252,693 sh (-45.27%)
» More
Q2 2018

COF Guru Trades in Q2 2018

Pioneer Investments 329,504 sh (+22.34%)
Richard Pzena 5,437,557 sh (+11.48%)
George Soros 153,716 sh (+7.51%)
Jeremy Grantham 4,200 sh (+2.44%)
Chris Davis 13,459,232 sh (+0.68%)
Dodge & Cox 43,286,662 sh (+0.28%)
Tom Gayner 75,000 sh (unchged)
Bernard Horn 72,600 sh (unchged)
Louis Moore Bacon Sold Out
Ruane Cunniff Sold Out
Jim Simons Sold Out
HOTCHKIS & WILEY 5,083,841 sh (-0.64%)
Ken Fisher 1,013,124 sh (-1.73%)
John Buckingham 74,370 sh (-1.93%)
Bill Nygren 4,963,000 sh (-1.98%)
Joel Greenblatt 4,664 sh (-8.13%)
Steven Cohen 408,810 sh (-39.94%)
Ray Dalio 7,063 sh (-51.16%)
Diamond Hill Capital 7,220 sh (-97.14%)
Barrow, Hanley, Mewhinney & Strauss 20,470 sh (-99.21%)
» More
» Details

Insider Trades

Latest Guru Trades with COF

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

Guru Date Action
Impact Price Range
(Average)*
Change from Average Comment Current Shares
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Preferred stocks of Capital One Financial Corp

SymbolPriceYieldDescription
COFpC.PFD25.436.146 1/4 % Non-Cum Perp Pfd Shs Series -C-
COFpP.PFD25.145.97Non-Cum Perp Pfd Shs Series -B-
COFpD.PFD25.936.46Deposit Shs Repr 1/40th 6 7/10 % Non-Cum Perp Pfd Shs Series -D-
COFpF.PFD25.636.056.20 % Pfd Shs
COFpG.PFD23.325.59Series -G-
COFpH.PFD25.615.866% Non-Cum Pfd Shs Series H

Business Description

Industry: Credit Services » Credit Services    NAICS: 522210    SIC: 6153
Compare:NYSE:DFS, NYSE:SYF, TSE:8591, BOM:500034, NYSE:TSS, NYSE:ADS, NYSE:WU, COL:CINS.X0000, XPAR:EDEN, TSE:8572, NAS:CACC, TSE:8593, NSE:SRTRANSFIN, NAS:SLM, TSE:8570, BOM:533519, NSE:M&MFIN, TPE:5871, SHSE:600901, NYSE:OMF » details
Traded in other countries:CFX.Germany, COF.Mexico,
Headquarter Location:USA
Capital One Financial Corp operates in the financial domain. Through its banking and non-banking subsidiaries, it markets financial products and services.

Capital One is a diversified financial services holding company offering a broad spectrum of financial products and services to consumers, small businesses, and commercial customers through a variety of delivery channels. Capital One serves commercial and consumer banking customers through branches in New York, New Jersey, Texas, Louisiana, and Virginia.

Guru Investment Theses on Capital One Financial Corp

Bernard Horn Comments on Capital One Financial - Jan 17, 2018

Capital One Financial (NYSE:COF) was the top contributor in the financial sector, up more than 18% after posting better-than-expected earnings and launching plans to shutter the ultra-competitive mortgage and home equity operations. In late December, Capital One halved its share buyback program to mitigate the impact of a $1.9 billion charge, effectively lowering its deferred tax assets in conformance with the new tax reform bill. Many other large financial institutions have instituted similar capital plans. Ultimately, this tax reform is expected to benefit banks, as the corporate tax rate drops from 35% to 21%, potentially increasing dividends, stock repurchases and acquisition deals at hefty premiums.





From the Polaris Global Value Fund fourth quarter 2017 shareholder letter.



Check out Bernard Horn latest stock trades

Jerome Dodson Comments on Capital One Financial - Jul 25, 2017

Creditcard issuer Capital One Financial (NYSE:COF) dropped 4.7% from $86.66 to $82.62, reducing the Fund’s return by 13 basis points. The stock fell in April after the company increased its guidance for credit losses. This issue hurt the stock again in June, when Capital One was the only bank required to resubmit its capital plan under the Federal Reserve’s Comprehensive Capital Analysis and Review. We’re disappointed by management’s inaccurate credit-loss forecast, but we’re holding onto our position. We believe investors have over reacted, as Capital One still expects its recent credit card vintages will be among its most profitable ever. Furthermore, the stock is trading at a bargain valuation of less than 10x expected 2018 earnings.



From Jerome Dodson (Trades, Portfolio)'s second quarter 2017 Parnassus Fund commentary.

Check out Jerome Dodson latest stock trades

Bernard Horn Comments on Capital One - Jul 21, 2017

However, results lagged the benchmark due mainly to losses at Capital One (NYSE:COF) and Sberbank. As expectations for favorable U.S. financial reform fade, Capital One Financial Corp.’s 1Q 2017 results fell short of market expectations driven by lower revenue growth and higher loan loss provisions. Moreover, competition is putting pressure on domestic card credit quality, and loan growth is decelerating on the back of oversupply of credit and greater consumer indebtedness. Further impacting the stock, Capital One was the only bank out of 34 singled out by the Federal Reserve’s Comprehensive Capital Analysis and Review for capital planning weaknesses. The bank received no objection on the condition it submit a new plan by December 2017.

From Bernard Horn (Trades, Portfolio)'s Polaris Global Value Fund second quarter 2017 shareholder letter.

Check out latest stock trades

Ratios

vs
industry
vs
history
PE Ratio 12.56
COF's PE Ratio is ranked lower than
71% of the 343 Companies
in the Global Credit Services industry.

( Industry Median: 16.14 vs. COF: 12.56 )
Ranked among companies with meaningful PE Ratio only.
COF' s PE Ratio Range Over the Past 10 Years
Min: 5.31  Med: 10.55 Max: 66.34
Current: 12.56
5.31
66.34
Forward PE Ratio 7.77
COF's Forward PE Ratio is ranked higher than
67% of the 64 Companies
in the Global Credit Services industry.

( Industry Median: 12.50 vs. COF: 7.77 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 12.15
COF's PE Ratio without NRI is ranked lower than
69% of the 339 Companies
in the Global Credit Services industry.

( Industry Median: 16.11 vs. COF: 12.15 )
Ranked among companies with meaningful PE Ratio without NRI only.
COF' s PE Ratio without NRI Range Over the Past 10 Years
Min: 5.15  Med: 10.1 Max: 256.23
Current: 12.15
5.15
256.23
Price-to-Owner-Earnings 6.82
COF's Price-to-Owner-Earnings is ranked higher than
71% of the 102 Companies
in the Global Credit Services industry.

( Industry Median: 14.62 vs. COF: 6.82 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
COF' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 2.27  Med: 7.34 Max: 21.95
Current: 6.82
2.27
21.95
PB Ratio 0.84
COF's PB Ratio is ranked higher than
56% of the 418 Companies
in the Global Credit Services industry.

( Industry Median: 1.19 vs. COF: 0.84 )
Ranked among companies with meaningful PB Ratio only.
COF' s PB Ratio Range Over the Past 10 Years
Min: 0.14  Med: 0.82 Max: 1.09
Current: 0.84
0.14
1.09
PS Ratio 1.59
COF's PS Ratio is ranked higher than
71% of the 414 Companies
in the Global Credit Services industry.

( Industry Median: 3.46 vs. COF: 1.59 )
Ranked among companies with meaningful PS Ratio only.
COF' s PS Ratio Range Over the Past 10 Years
Min: 0.25  Med: 1.58 Max: 2.3
Current: 1.59
0.25
2.3
Price-to-Free-Cash-Flow 3.59
COF's Price-to-Free-Cash-Flow is ranked higher than
74% of the 104 Companies
in the Global Credit Services industry.

( Industry Median: 8.52 vs. COF: 3.59 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
COF' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 0.91  Med: 3.77 Max: 8.93
Current: 3.59
0.91
8.93
Price-to-Operating-Cash-Flow 3.34
COF's Price-to-Operating-Cash-Flow is ranked higher than
74% of the 127 Companies
in the Global Credit Services industry.

( Industry Median: 7.24 vs. COF: 3.34 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
COF' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 0.83  Med: 3.52 Max: 7.95
Current: 3.34
0.83
7.95
EV-to-Revenue 3.04
COF's EV-to-Revenue is ranked higher than
65% of the 425 Companies
in the Global Credit Services industry.

( Industry Median: 5.35 vs. COF: 3.04 )
Ranked among companies with meaningful EV-to-Revenue only.
COF' s EV-to-Revenue Range Over the Past 10 Years
Min: 1.7  Med: 3.4 Max: 4.6
Current: 3.04
1.7
4.6
Shiller PE Ratio 14.80
COF's Shiller PE Ratio is ranked lower than
55% of the 66 Companies
in the Global Credit Services industry.

( Industry Median: 17.29 vs. COF: 14.80 )
Ranked among companies with meaningful Shiller PE Ratio only.
COF' s Shiller PE Ratio Range Over the Past 10 Years
Min: 1.91  Med: 11.22 Max: 19.31
Current: 14.8
1.91
19.31

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.77
COF's Dividend Yield % is ranked lower than
59% of the 316 Companies
in the Global Credit Services industry.

( Industry Median: 2.56 vs. COF: 1.77 )
Ranked among companies with meaningful Dividend Yield % only.
COF' s Dividend Yield % Range Over the Past 10 Years
Min: 0.19  Med: 1.49 Max: 18.05
Current: 1.77
0.19
18.05
Dividend Payout Ratio 0.22
COF's Dividend Payout Ratio is ranked lower than
66% of the 170 Companies
in the Global Credit Services industry.

( Industry Median: 0.30 vs. COF: 0.22 )
Ranked among companies with meaningful Dividend Payout Ratio only.
COF' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.03  Med: 0.19 Max: 10.71
Current: 0.22
0.03
10.71
3-Year Dividend Growth Rate 10.10
COF's 3-Year Dividend Growth Rate is ranked higher than
68% of the 115 Companies
in the Global Credit Services industry.

( Industry Median: 4.60 vs. COF: 10.10 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
COF' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 0 Max: 141.1
Current: 10.1
0
141.1
Forward Dividend Yield % 1.80
COF's Forward Dividend Yield % is ranked lower than
68% of the 305 Companies
in the Global Credit Services industry.

( Industry Median: 2.72 vs. COF: 1.80 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 10.08
COF's 5-Year Yield-on-Cost % is ranked higher than
89% of the 402 Companies
in the Global Credit Services industry.

( Industry Median: 2.55 vs. COF: 10.08 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
COF' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.08  Med: 8.48 Max: 102.75
Current: 10.08
1.08
102.75
3-Year Average Share Buyback Ratio 4.30
COF's 3-Year Average Share Buyback Ratio is ranked higher than
95% of the 194 Companies
in the Global Credit Services industry.

( Industry Median: -3.70 vs. COF: 4.30 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
COF' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -20.4  Med: -4.4 Max: 5.7
Current: 4.3
-20.4
5.7

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.18
COF's Price-to-Tangible-Book is ranked lower than
55% of the 409 Companies
in the Global Credit Services industry.

( Industry Median: 1.26 vs. COF: 1.18 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
COF' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.46  Med: 1.97 Max: 7.83
Current: 1.18
0.46
7.83
Price-to-Intrinsic-Value-Projected-FCF 0.28
COF's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
90% of the 90 Companies
in the Global Credit Services industry.

( Industry Median: 1.01 vs. COF: 0.28 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
COF' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.07  Med: 0.41 Max: 2.82
Current: 0.28
0.07
2.82
Price-to-Median-PS-Value 1.00
COF's Price-to-Median-PS-Value is ranked lower than
64% of the 366 Companies
in the Global Credit Services industry.

( Industry Median: 1.00 vs. COF: 1.00 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
COF' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.23  Med: 1.24 Max: 4.62
Current: 1
0.23
4.62
Price-to-Graham-Number 0.80
COF's Price-to-Graham-Number is ranked lower than
62% of the 199 Companies
in the Global Credit Services industry.

( Industry Median: 1.07 vs. COF: 0.80 )
Ranked among companies with meaningful Price-to-Graham-Number only.
COF' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.51  Med: 1.06 Max: 3.62
Current: 0.8
0.51
3.62

More Statistics

Revenue (TTM) (Mil) $27,507.00
EPS (TTM) $ 7.16
Beta1.34
Volatility16.93%
52-Week Range $84.94 - 106.50
Shares Outstanding (Mil)473.66

Analyst Estimate

Dec18 Dec19 Dec20
Revenue (Mil $) 28,020 29,003 32,292
EBIT (Mil $)
EBITDA (Mil $)
EPS ($) 11.66 11.11 11.85
EPS without NRI ($) 11.66 11.11 11.85
EPS Growth Rate
(Future 3Y To 5Y Estimate)
25.30%
Dividends per Share ($) 1.60 1.65 1.76

Piotroski F-Score Details

Piotroski F-Score: ----
Positive ROAN
Positive CFROAN
Higher ROA yoyN
CFROA > ROAN
Lower Leverage yoyN
Higher Current Ratio yoyN
Less Shares Outstanding yoyN
Higher Gross Margin yoyN
Higher Asset Turnover yoyN

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)

GF Chat

{{numOfNotice}}