CAPITAL ONE FINANCIAL CORP (CFX.DE) Stock Fundamental Analysis
Europe - FRA:CFX - US14040H1059 - Common Stock
191 EUR
-2 (-1.04%)
We assign a fundamental rating of 4 out of 10 to CFX. CFX was compared to 9 industry peers in the Consumer Finance industry. While CFX seems to be doing ok healthwise, there are quite some concerns on its profitability. CFX has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
CFX had positive earnings in the past year.
CFX had a positive operating cash flow in the past year.
Each year in the past 5 years CFX has been profitable.
Each year in the past 5 years CFX had a positive operating cash flow.
1.2 Ratios
CFX has a Return On Assets of -0.05%. This is in the lower half of the industry: CFX underperforms 75.00% of its industry peers.
Looking at the Return On Equity, with a value of -0.27%, CFX is doing worse than 75.00% of the companies in the same industry.
| 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.
CFX does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
| 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.
CFX has more shares outstanding than it did 1 year ago.
CFX has less shares outstanding than it did 5 years ago.
CFX has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of CFX is 2.86, which is a good value as it means it would take CFX, 2.86 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of CFX (2.86) is better than 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.
The Debt to Equity ratio of CFX (0.47) is better than 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
WACC15.67%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
CFX shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 31.44%, which is quite impressive.
The Earnings Per Share has been growing slightly by 4.14% on average over the past years.
Looking at the last year, CFX shows a quite strong growth in Revenue. The Revenue has grown by 13.01% in the last year.
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)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.
Based on estimates for the next years, CFX will show a quite strong growth in Revenue. The Revenue will grow by 11.94% on average per year.
EPS Next Y26.3%
EPS Next 2Y19.81%
EPS Next 3Y21.18%
EPS Next 5Y10.88%
Revenue Next Year35.04%
Revenue Next 2Y26.46%
Revenue Next 3Y19.07%
Revenue Next 5Y11.94%
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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 13.07, the valuation of CFX can be described as correct.
CFX's Price/Earnings ratio is rather cheap when compared to the industry. CFX is cheaper than 87.50% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 27.86. CFX is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 11.19, the valuation of CFX can be described as very reasonable.
62.50% of the companies in the same industry are more expensive than CFX, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of CFX to the average of the S&P500 Index (23.32), we can say CFX is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.07 | ||
| Fwd PE | 11.19 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of CFX indicates a somewhat cheap valuation: CFX is cheaper than 62.50% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.86 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
CFX's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
CFX's earnings are expected to grow with 21.18% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.5
PEG (5Y)3.16
EPS Next 2Y19.81%
EPS Next 3Y21.18%
5. Dividend
5.1 Amount
CFX has a Yearly Dividend Yield of 1.12%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.05, CFX pays a bit more dividend than its industry peers.
With a Dividend Yield of 1.12, CFX pays less dividend than the S&P500 average, which is at 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.12% |
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
The earnings of CFX are negative and hence is the payout ratio. CFX will probably not be able to sustain this dividend level.
CFX's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP-439.53%
EPS Next 2Y19.81%
EPS Next 3Y21.18%
FRA:CFX (9/26/2025, 7:00:00 PM)
191
-2 (-1.04%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners87.42%
Inst Owner ChangeN/A
Ins Owners0.76%
Ins Owner ChangeN/A
Market Cap122.14B
Analysts81.43
Price Target221.02 (15.72%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.12% |
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)0.24%
PT rev (3m)13.19%
EPS NQ rev (1m)4.27%
EPS NQ rev (3m)7.59%
EPS NY rev (1m)0.13%
EPS NY rev (3m)11.39%
Revenue NQ rev (1m)0.13%
Revenue NQ rev (3m)-0.07%
Revenue NY rev (1m)-0.02%
Revenue NY rev (3m)-0.43%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.07 | ||
| Fwd PE | 11.19 | ||
| P/S | 3.36 | ||
| P/FCF | 7.86 | ||
| P/OCF | 7.3 | ||
| P/B | 1.29 | ||
| P/tB | 2.22 | ||
| EV/EBITDA | N/A |
EPS(TTM)14.61
EY7.65%
EPS(NY)17.06
Fwd EY8.93%
FCF(TTM)24.29
FCFY12.72%
OCF(TTM)26.17
OCFY13.7%
SpS56.9
BVpS147.86
TBVpS85.91
PEG (NY)0.5
PEG (5Y)3.16
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
WACC15.67%
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 Y26.3%
EPS Next 2Y19.81%
EPS Next 3Y21.18%
EPS Next 5Y10.88%
Revenue 1Y (TTM)13.01%
Revenue growth 3Y8.72%
Revenue growth 5Y6.47%
Sales Q2Q%31.41%
Revenue Next Year35.04%
Revenue Next 2Y26.46%
Revenue Next 3Y19.07%
Revenue Next 5Y11.94%
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%