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 7 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
With a Return On Assets value of 0.93%, CFX perfoms like the industry average, outperforming 42.86% of the companies in the same industry.
CFX's Return On Equity of 7.19% is in line compared to the rest of the industry. CFX outperforms 57.14% of its industry peers.
| 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
The Profit Margin of CFX (11.51%) is better than 85.71% of its industry peers.
In the last couple of years the Profit Margin of CFX has declined.
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.
Compared to 1 year ago, CFX has an improved debt to assets ratio.
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.
CFX has a better Debt to FCF ratio (2.26) than 100.00% of its industry peers.
A Debt/Equity ratio of 0.66 indicates that 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 85.71% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.66 | ||
| Debt/FCF | 2.26 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.46%
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.
Measured over the past 5 years, CFX shows a small growth in Earnings Per Share. The EPS has been growing by 4.14% on average per year.
Looking at the last year, CFX shows a small growth in Revenue. The Revenue has grown by 6.50% 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)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.
CFX is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.60% yearly.
EPS Next Y13.39%
EPS Next 2Y19.02%
EPS Next 3Y22.15%
EPS Next 5Y4.97%
Revenue Next Year35.63%
Revenue Next 2Y26.67%
Revenue Next 3Y19.42%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 14.97 indicates a correct valuation of CFX.
Compared to the rest of the industry, the Price/Earnings ratio of CFX indicates a rather cheap valuation: CFX is cheaper than 85.71% of the companies listed in the same industry.
CFX is valuated rather cheaply when we compare the Price/Earnings ratio to 27.45, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 11.21, the valuation of CFX can be described as reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of CFX is on the same level as its industry peers.
The average S&P500 Price/Forward Earnings ratio is at 21.90. CFX is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.97 | ||
| Fwd PE | 11.21 |
4.2 Price Multiples
CFX's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.66 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
CFX's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
CFX's earnings are expected to grow with 22.15% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.12
PEG (5Y)3.62
EPS Next 2Y19.02%
EPS Next 3Y22.15%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.09%, CFX has a reasonable but not impressive dividend return.
CFX's Dividend Yield is a higher than the industry average which is at 3.22.
With a Dividend Yield of 1.09, CFX pays less dividend than the S&P500 average, which is at 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.09% |
5.2 History
The dividend of CFX is nicely growing with an annual growth rate of 6.36%!
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 2Y19.02%
EPS Next 3Y22.15%
FRA:CFX (7/3/2025, 7:00:00 PM)
188
+2 (+1.08%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners56.81%
Inst Owner ChangeN/A
Ins Owners0.76%
Ins Owner ChangeN/A
Market Cap120.35B
Analysts80.77
Price Target195.26 (3.86%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.09% |
Yearly Dividend2.59
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)0.78%
PT rev (3m)-7.53%
EPS NQ rev (1m)50.02%
EPS NQ rev (3m)-50.76%
EPS NY rev (1m)-0.42%
EPS NY rev (3m)-0.45%
Revenue NQ rev (1m)0.46%
Revenue NQ rev (3m)23.86%
Revenue NY rev (1m)28.39%
Revenue NY rev (3m)28.55%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.97 | ||
| Fwd PE | 11.21 | ||
| P/S | 3.57 | ||
| P/FCF | 7.66 | ||
| P/OCF | 7.16 | ||
| P/B | 2.23 | ||
| P/tB | 2.96 | ||
| EV/EBITDA | N/A |
EPS(TTM)12.56
EY6.68%
EPS(NY)16.77
Fwd EY8.92%
FCF(TTM)24.54
FCFY13.06%
OCF(TTM)26.27
OCFY13.98%
SpS52.65
BVpS84.25
TBVpS63.54
PEG (NY)1.12
PEG (5Y)3.62
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
WACC13.46%
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 Y13.39%
EPS Next 2Y19.02%
EPS Next 3Y22.15%
EPS Next 5Y4.97%
Revenue 1Y (TTM)6.5%
Revenue growth 3Y8.72%
Revenue growth 5Y6.47%
Sales Q2Q%6.36%
Revenue Next Year35.63%
Revenue Next 2Y26.67%
Revenue Next 3Y19.42%
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%