Capital One Financial's (NYSE: COF) stock price is up over 2,600% since it came public in late 1994. Given that level of performance, it's fair to say that this financial company's stock has the potential to be a key element in a millionaire-making portfolio over the long term.

But investors interested in Capital One need to understand that the big rewards here also come with big risks.

From a big-picture perspective, Capital One is a bank. But it has a rather limited branch network compared to peers, instead preferring to do as much business as possible online. On the surface, that might seem like a good thing, because consumers are increasingly comfortable operating in a digital-only world. But this focus hints at Capital One's unique business model.

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Source Fool.com