CAPITAL ONE FINANCIAL CORP (CFX.DE) Stock Fundamental Analysis
FRA:CFX - Deutsche Boerse Ag - US14040H1059 - Common Stock - Currency: EUR
We assign a fundamental rating of 4 out of 10 to CFX. CFX was compared to 9 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 has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
In the past year CFX was profitable.
CFX had a positive operating cash flow in the past year.
CFX had positive earnings in each of the past 5 years.
In the past 5 years CFX always reported a positive cash flow from operatings.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.93%, CFX is doing worse than 62.50% of the companies in the same industry.
With a Return On Equity value of 7.19%, CFX perfoms like the industry average, outperforming 50.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.93% | ||
| ROE | 7.19% | ||
| 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
With a decent Profit Margin value of 11.51%, CFX is doing good in the industry, outperforming 75.00% of the companies in the same industry.
CFX's Profit Margin has declined in the last couple of years.
The 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) | 11.51% | ||
| 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.
CFX has more shares outstanding than it did 1 year ago.
The number of shares outstanding for CFX has been reduced compared to 5 years ago.
The debt/assets ratio for CFX has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of CFX is 2.26, which is a good value as it means it would take CFX, 2.26 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 2.26, CFX belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
CFX has a Debt/Equity ratio of 0.66. This is a neutral value indicating CFX is somewhat dependend on debt financing.
CFX has a Debt to Equity ratio of 0.66. This is amongst the best in the industry. CFX outperforms 100.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.66 | ||
| Debt/FCF | 2.26 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.12%
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 nice 10.28% 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 a small growth in Revenue. In the last year, the Revenue has grown by 6.50%.
Measured over the past years, CFX shows a small growth in Revenue. The Revenue has been growing by 6.47% on average per year.
EPS 1Y (TTM)10.28%
EPS 3Y-19.6%
EPS 5Y4.14%
EPS Q2Q%26.48%
Revenue 1Y (TTM)6.5%
Revenue growth 3Y8.72%
Revenue growth 5Y6.47%
Sales Q2Q%6.36%
3.2 Future
Based on estimates for the next years, CFX will show a small growth in Earnings Per Share. The EPS will grow by 4.97% on average per year.
Based on estimates for the next years, CFX will show a small growth in Revenue. The Revenue will grow by 4.60% on average per year.
EPS Next Y13.87%
EPS Next 2Y15.37%
EPS Next 3Y15.53%
EPS Next 5Y4.97%
Revenue Next Year5.63%
Revenue Next 2Y5.61%
Revenue Next 3Y5.49%
Revenue Next 5Y4.6%
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
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.
Compared to the rest of the industry, the Price/Earnings ratio of CFX indicates a rather cheap valuation: CFX is cheaper than 87.50% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.52, CFX is valued rather cheaply.
CFX is valuated reasonably with a Price/Forward Earnings ratio of 10.46.
Compared to the rest of the industry, the Price/Forward Earnings ratio of CFX indicates a somewhat cheap valuation: CFX is cheaper than 62.50% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.25, CFX is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.12 | ||
| Fwd PE | 10.46 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, CFX is valued a bit cheaper than 75.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.72 | ||
| 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 15.53% in the coming years.
PEG (NY)0.95
PEG (5Y)3.17
EPS Next 2Y15.37%
EPS Next 3Y15.53%
5. Dividend
5.1 Amount
CFX has a Yearly Dividend Yield of 1.25%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.22, CFX pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.38, CFX's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.25% |
5.2 History
On average, the dividend of CFX grows each year by 6.36%, which is quite nice.
Dividend Growth(5Y)6.36%
Div Incr Years0
Div Non Decr Years3
5.3 Sustainability
25.36% of the earnings are spent on dividend by CFX. This is a low number and sustainable payout ratio.
The dividend of CFX is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP25.36%
EPS Next 2Y15.37%
EPS Next 3Y15.53%
FRA:CFX (6/5/2025, 7:00:00 PM)
170
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners93.42%
Inst Owner ChangeN/A
Ins Owners1.15%
Ins Owner ChangeN/A
Market Cap108.82B
Analysts80.77
Price Target195.04 (14.73%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.25% |
Yearly Dividend2.67
Dividend Growth(5Y)6.36%
DP25.36%
Div Incr Years0
Div Non Decr Years3
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)8.7%
Min EPS beat(2)8.56%
Max EPS beat(2)8.83%
EPS beat(4)3
Avg EPS beat(4)7.65%
Min EPS beat(4)-5.56%
Max EPS beat(4)18.76%
EPS beat(8)5
Avg EPS beat(8)6.79%
EPS beat(12)5
Avg EPS beat(12)-2.97%
EPS beat(16)9
Avg EPS beat(16)3.44%
Revenue beat(2)0
Avg Revenue beat(2)-1.34%
Min Revenue beat(2)-1.47%
Max Revenue beat(2)-1.2%
Revenue beat(4)1
Avg Revenue beat(4)-0.95%
Min Revenue beat(4)-1.66%
Max Revenue beat(4)0.54%
Revenue beat(8)2
Avg Revenue beat(8)-0.75%
Revenue beat(12)3
Avg Revenue beat(12)-0.83%
Revenue beat(16)7
Avg Revenue beat(16)-0.05%
PT rev (1m)3.29%
PT rev (3m)-5.9%
EPS NQ rev (1m)-66.36%
EPS NQ rev (3m)-67.25%
EPS NY rev (1m)0.35%
EPS NY rev (3m)-0.36%
Revenue NQ rev (1m)24.15%
Revenue NQ rev (3m)23.47%
Revenue NY rev (1m)0.41%
Revenue NY rev (3m)0.34%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.12 | ||
| Fwd PE | 10.46 | ||
| P/S | 3.13 | ||
| P/FCF | 6.72 | ||
| P/OCF | 6.27 | ||
| P/B | 1.96 | ||
| P/tB | 2.59 | ||
| EV/EBITDA | N/A |
EPS(TTM)12.96
EY7.62%
EPS(NY)16.25
Fwd EY9.56%
FCF(TTM)25.31
FCFY14.89%
OCF(TTM)27.1
OCFY15.94%
SpS54.31
BVpS86.9
TBVpS65.54
PEG (NY)0.95
PEG (5Y)3.17
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.93% | ||
| ROE | 7.19% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 11.51% | ||
| GM | N/A | ||
| FCFM | 46.62% |
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-Score7
Asset Turnover0.08
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.66 | ||
| Debt/FCF | 2.26 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 40.24% | ||
| Cap/Sales | 3.29% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 405.06% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC13.12%
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)10.28%
EPS 3Y-19.6%
EPS 5Y4.14%
EPS Q2Q%26.48%
EPS Next Y13.87%
EPS Next 2Y15.37%
EPS Next 3Y15.53%
EPS Next 5Y4.97%
Revenue 1Y (TTM)6.5%
Revenue growth 3Y8.72%
Revenue growth 5Y6.47%
Sales Q2Q%6.36%
Revenue Next Year5.63%
Revenue Next 2Y5.61%
Revenue Next 3Y5.49%
Revenue Next 5Y4.6%
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 1Y16.12%
FCF growth 3Y13.45%
FCF growth 5Y1.48%
OCF growth 1Y17.39%
OCF growth 3Y13.84%
OCF growth 5Y1.76%