CAPITAL ONE FINANCIAL CORP (CFX.DE) Stock Fundamental Analysis

FRA:CFX • US14040H1059

191 EUR
-2 (-1.04%)
Last: Sep 26, 2025, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

4

Overall CFX gets a fundamental rating of 4 out of 10. We evaluated CFX against 10 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 decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

2

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.
  • Each year in the past 5 years CFX had a positive operating cash flow.
CFX.DE Yearly Net Income VS EBIT VS OCF VS FCFCFX.DE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B 20B

1.2 Ratios

  • The Return On Assets of CFX (-0.05%) is worse than 75.00% of its industry peers.
  • The Return On Equity of CFX (-0.27%) is worse than 75.00% of its industry peers.
Industry RankSector 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
CFX.DE Yearly ROA, ROE, ROICCFX.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

  • In the last couple of years the Profit Margin of CFX has declined.
  • CFX does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector 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
CFX.DE Yearly Profit, Operating, Gross MarginsCFX.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

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.
  • CFX has less shares outstanding than it did 5 years ago.
  • The debt/assets ratio for CFX has been reduced compared to a year ago.
CFX.DE Yearly Shares OutstandingCFX.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M
CFX.DE Yearly Total Debt VS Total AssetsCFX.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 100B 200B 300B 400B

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 better Debt to FCF ratio (2.86) 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.
  • CFX has a better Debt to Equity ratio (0.47) than 87.50% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.47
Debt/FCF 2.86
Altman-Z N/A
ROIC/WACCN/A
WACC15.67%
CFX.DE Yearly LT Debt VS Equity VS FCFCFX.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CFX.DE Yearly Current Assets VS Current LiabilitesCFX.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

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.
  • 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.
  • CFX is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.94% yearly.
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.
CFX.DE Yearly Revenue VS EstimatesCFX.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 20B 40B 60B
CFX.DE Yearly EPS VS EstimatesCFX.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 5 10 15 20 25

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Find the best growth stocksShow best growing peers

6

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.
  • CFX is valuated cheaply when we compare the Price/Earnings ratio to 27.97, which is the current average of the S&P500 Index.
  • The Price/Forward Earnings ratio is 11.19, which indicates a very decent valuation of CFX.
  • 62.50% of the companies in the same industry are more expensive than CFX, based on the Price/Forward Earnings ratio.
  • The average S&P500 Price/Forward Earnings ratio is at 27.96. CFX is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 13.07
Fwd PE 11.19
CFX.DE Price Earnings VS Forward Price EarningsCFX.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

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 RankSector Rank
P/FCF 7.86
EV/EBITDA N/A
CFX.DE Per share dataCFX.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 50 100

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 21.18% in the coming years.
PEG (NY)0.5
PEG (5Y)3.16
EPS Next 2Y19.81%
EPS Next 3Y21.18%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. Dividend

5.1 Amount

  • CFX has a Yearly Dividend Yield of 1.12%.
  • Compared to an average industry Dividend Yield of 1.41, CFX pays a bit more dividend than its industry peers.
  • CFX's Dividend Yield is slightly below the S&P500 average, which is at 1.79.
Industry RankSector 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
CFX.DE Yearly Dividends per shareCFX.DE Yearly Dividends per shareYearly Dividends per share 2021 2022 2023 2024 2025 0.5 1 1.5 2

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 2Y19.81%
EPS Next 3Y21.18%
CFX.DE Yearly Income VS Free CF VS DividendCFX.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B

More info and screens

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CAPITAL ONE FINANCIAL CORP

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)07-22
Earnings (Next)10-21
Inst Owners87.42%
Inst Owner ChangeN/A
Ins Owners0.76%
Ins Owner ChangeN/A
Market Cap122.14B
Revenue(TTM)42.70B
Net Income(TTM)-301.00M
Analysts81.43
Price Target221.02 (15.72%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector 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 RankSector 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
Graham NumberN/A
Profitability
Industry RankSector 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
ROICexgc growth 3YN/A
ROICexgc 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 RankSector 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%

CAPITAL ONE FINANCIAL CORP / CFX.DE FAQ

Can you provide the ChartMill fundamental rating for CAPITAL ONE FINANCIAL CORP?

ChartMill assigns a fundamental rating of 4 / 10 to CFX.DE.


What is the valuation status of CAPITAL ONE FINANCIAL CORP (CFX.DE) stock?

ChartMill assigns a valuation rating of 6 / 10 to CAPITAL ONE FINANCIAL CORP (CFX.DE). This can be considered as Fairly Valued.


How profitable is CAPITAL ONE FINANCIAL CORP (CFX.DE) stock?

CAPITAL ONE FINANCIAL CORP (CFX.DE) has a profitability rating of 2 / 10.


What is the financial health of CAPITAL ONE FINANCIAL CORP (CFX.DE) stock?

The financial health rating of CAPITAL ONE FINANCIAL CORP (CFX.DE) is 4 / 10.


What is the expected EPS growth for CAPITAL ONE FINANCIAL CORP (CFX.DE) stock?

The Earnings per Share (EPS) of CAPITAL ONE FINANCIAL CORP (CFX.DE) is expected to grow by 26.3% in the next year.