CAPITAL ONE FINANCIAL CORP (CFX.DE) Stock Fundamental Analysis
Europe - FRA:CFX - US14040H1059 - Common Stock
192 EUR
+3 (+1.59%)
CFX gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 8 industry peers in the Consumer Finance industry. CFX scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. CFX is not valued too expensively and it also shows a decent growth rate. Finally CFX also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year CFX was profitable.
CFX had a positive operating cash flow in the past year.
In the past 5 years CFX has always been profitable.
In the past 5 years CFX always reported a positive cash flow from operatings.
1.2 Ratios
CFX has a worse Return On Assets (-0.05%) than 75.00% of its industry peers.
CFX's Return On Equity of -0.27% is on the low side compared to the rest of the industry. CFX is outperformed by 75.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.05% | ||
| ROE | -0.27% | ||
| ROIC | N/A |
ROA(3y)1.14%
ROA(5y)1.35%
ROE(3y)9.53%
ROE(5y)10.43%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
CFX's Profit Margin has declined in the last couple of years.
The Profit Margin and Operating Margin and Gross Margin are not available for CFX so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-33.88%
PM growth 5Y-8.95%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
CFX does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for CFX has been increased compared to 1 year ago.
Compared to 5 years ago, CFX has less shares outstanding
Compared to 1 year ago, CFX has an improved debt to assets ratio.
2.2 Solvency
CFX has a debt to FCF ratio of 2.86. This is a good value and a sign of high solvency as CFX would need 2.86 years to pay back of all of its debts.
CFX has a Debt to FCF ratio of 2.86. This is amongst the best in the industry. CFX outperforms 87.50% of its industry peers.
CFX has a Debt/Equity ratio of 0.47. This is a healthy value indicating a solid balance between debt and equity.
CFX's Debt to Equity ratio of 0.47 is amongst the best of the industry. CFX outperforms 87.50% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.47 | ||
| Debt/FCF | 2.86 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.58%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 31.44% over the past year.
CFX shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 4.14% yearly.
CFX shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 13.01%.
CFX shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.47% yearly.
EPS 1Y (TTM)31.44%
EPS 3Y-19.6%
EPS 5Y4.14%
EPS Q2Q%74.52%
Revenue 1Y (TTM)13.01%
Revenue growth 3Y8.72%
Revenue growth 5Y6.47%
Sales Q2Q%31.41%
3.2 Future
CFX is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 10.88% yearly.
The Revenue is expected to grow by 11.90% on average over the next years. This is quite good.
EPS Next Y26.15%
EPS Next 2Y19.1%
EPS Next 3Y21.11%
EPS Next 5Y10.88%
Revenue Next Year34.87%
Revenue Next 2Y26.33%
Revenue Next 3Y18.98%
Revenue Next 5Y11.9%
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 13.12, the valuation of CFX can be described as correct.
Based on the Price/Earnings ratio, CFX is valued cheaply inside the industry as 87.50% of the companies are valued more expensively.
CFX's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.30.
The Price/Forward Earnings ratio is 11.37, which indicates a very decent valuation of CFX.
Based on the Price/Forward Earnings ratio, CFX is valued a bit cheaper than 62.50% of the companies in the same industry.
CFX is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 22.73, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.12 | ||
| Fwd PE | 11.37 |
4.2 Price Multiples
62.50% of the companies in the same industry are more expensive than CFX, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.89 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as CFX's earnings are expected to grow with 21.11% in the coming years.
PEG (NY)0.5
PEG (5Y)3.17
EPS Next 2Y19.1%
EPS Next 3Y21.11%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.96%, CFX is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.00, CFX pays a better dividend. On top of this CFX pays more dividend than 87.50% of the companies listed in the same industry.
CFX's Dividend Yield is rather good when compared to the S&P500 average which is at 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.96% |
5.2 History
The dividend of CFX is nicely growing with an annual growth rate of 6.34%!
Dividend Growth(5Y)6.34%
Div Incr Years0
Div Non Decr Years3
5.3 Sustainability
CFX has negative earnings and hence a negative payout ratio. The dividend may be in danger.
CFX's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP-439.53%
EPS Next 2Y19.1%
EPS Next 3Y21.11%
FRA:CFX (9/11/2025, 7:00:00 PM)
192
+3 (+1.59%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners58.84%
Inst Owner ChangeN/A
Ins Owners0.76%
Ins Owner ChangeN/A
Market Cap122.78B
Analysts81.43
Price Target220.37 (14.78%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.96% |
Yearly Dividend2.6
Dividend Growth(5Y)6.34%
DP-439.53%
Div Incr Years0
Div Non Decr Years3
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)27.41%
Min EPS beat(2)8.83%
Max EPS beat(2)45.98%
EPS beat(4)4
Avg EPS beat(4)20.53%
Min EPS beat(4)8.56%
Max EPS beat(4)45.98%
EPS beat(8)5
Avg EPS beat(8)11.53%
EPS beat(12)6
Avg EPS beat(12)1.16%
EPS beat(16)9
Avg EPS beat(16)2.41%
Revenue beat(2)0
Avg Revenue beat(2)-2.04%
Min Revenue beat(2)-2.6%
Max Revenue beat(2)-1.47%
Revenue beat(4)1
Avg Revenue beat(4)-1.18%
Min Revenue beat(4)-2.6%
Max Revenue beat(4)0.54%
Revenue beat(8)2
Avg Revenue beat(8)-0.81%
Revenue beat(12)3
Avg Revenue beat(12)-0.9%
Revenue beat(16)6
Avg Revenue beat(16)-0.38%
PT rev (1m)-0.78%
PT rev (3m)12.99%
EPS NQ rev (1m)0.69%
EPS NQ rev (3m)4.57%
EPS NY rev (1m)10.69%
EPS NY rev (3m)10.78%
Revenue NQ rev (1m)-0.2%
Revenue NQ rev (3m)-0.54%
Revenue NY rev (1m)0.01%
Revenue NY rev (3m)0.62%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.12 | ||
| Fwd PE | 11.37 | ||
| P/S | 3.37 | ||
| P/FCF | 7.89 | ||
| P/OCF | 7.33 | ||
| P/B | 1.3 | ||
| P/tB | 2.23 | ||
| EV/EBITDA | N/A |
EPS(TTM)14.63
EY7.62%
EPS(NY)16.89
Fwd EY8.8%
FCF(TTM)24.32
FCFY12.67%
OCF(TTM)26.21
OCFY13.65%
SpS56.98
BVpS148.07
TBVpS86.02
PEG (NY)0.5
PEG (5Y)3.17
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.05% | ||
| ROE | -0.27% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | N/A | ||
| FCFM | 42.68% |
ROA(3y)1.14%
ROA(5y)1.35%
ROE(3y)9.53%
ROE(5y)10.43%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-33.88%
PM growth 5Y-8.95%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.06
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.47 | ||
| Debt/FCF | 2.86 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 41.1% | ||
| Cap/Sales | 3.31% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC15.58%
ROIC/WACCN/A
Cap/Depr(3y)32.03%
Cap/Depr(5y)27.28%
Cap/Sales(3y)2.81%
Cap/Sales(5y)2.64%
Profit Quality(3y)330.76%
Profit Quality(5y)352.51%
High Growth Momentum
Growth
EPS 1Y (TTM)31.44%
EPS 3Y-19.6%
EPS 5Y4.14%
EPS Q2Q%74.52%
EPS Next Y26.15%
EPS Next 2Y19.1%
EPS Next 3Y21.11%
EPS Next 5Y10.88%
Revenue 1Y (TTM)13.01%
Revenue growth 3Y8.72%
Revenue growth 5Y6.47%
Sales Q2Q%31.41%
Revenue Next Year34.87%
Revenue Next 2Y26.33%
Revenue Next 3Y18.98%
Revenue Next 5Y11.9%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y11.61%
FCF growth 3Y13.45%
FCF growth 5Y1.48%
OCF growth 1Y13.65%
OCF growth 3Y13.84%
OCF growth 5Y1.76%