Logo image of CFX.DE

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

FRA:CFX - Deutsche Boerse Ag - US14040H1059 - Common Stock - Currency: EUR

181  -4 (-2.16%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to CFX. CFX was compared to 8 industry peers in the Consumer Finance industry. Both the profitability and financial health of CFX have multiple concerns. CFX has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

Quickly go to:

3

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.
CFX had a positive operating cash flow in each of the past 5 years.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B 20B

1.2 Ratios

CFX's Return On Assets of 0.93% is on the low side compared to the rest of the industry. CFX is outperformed by 62.50% of its industry peers.
Looking at the Return On Equity, with a value of 7.19%, CFX is in the better half of the industry, outperforming 62.50% of the companies in the same industry.
Industry RankSector 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
CFX.DE Yearly ROA, ROE, ROICCFX.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

Looking at the Profit Margin, with a value of 11.51%, CFX is in the better half of the industry, outperforming 75.00% of the companies in the same industry.
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 RankSector 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
CFX.DE Yearly Profit, Operating, Gross MarginsCFX.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

More info and screens

3

2. Health

2.1 Basic Checks

CFX does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, CFX has more shares outstanding
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.
CFX.DE Yearly Shares OutstandingCFX.DE Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M 500M
CFX.DE Yearly Total Debt VS Total AssetsCFX.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100B 200B 300B 400B

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.
A Debt/Equity ratio of 0.66 indicates that CFX is somewhat dependend on debt financing.
The Debt to Equity ratio of CFX (0.66) is better than 75.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.66
Debt/FCF 2.26
Altman-Z N/A
ROIC/WACCN/A
WACC13.77%
CFX.DE Yearly LT Debt VS Equity VS FCFCFX.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

More info and screens

5

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.
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.
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

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 Y13.97%
EPS Next 2Y18.65%
EPS Next 3Y21.34%
EPS Next 5Y4.97%
Revenue Next Year34.6%
Revenue Next 2Y26.38%
Revenue Next 3Y19.12%
Revenue Next 5Y4.6%

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 decreasing.
CFX.DE Yearly Revenue VS EstimatesCFX.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 5 10 15 20 25

More info and screens

6

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 12.38, which indicates a correct valuation of CFX.
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.
When comparing the Price/Earnings ratio of CFX to the average of the S&P500 Index (28.05), we can say CFX is valued rather cheaply.
CFX is valuated reasonably with a Price/Forward Earnings ratio of 10.81.
Based on the Price/Forward Earnings ratio, CFX is valued a bit cheaper than 62.50% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 37.67. CFX is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 12.38
Fwd PE 10.81
CFX.DE Price Earnings VS Forward Price EarningsCFX.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40 50

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, CFX is valued a bit cheaper than 62.50% of the companies in the same industry.
Industry RankSector Rank
P/FCF 7.34
EV/EBITDA N/A
CFX.DE Per share dataCFX.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80

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.
CFX's earnings are expected to grow with 21.34% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.89
PEG (5Y)2.99
EPS Next 2Y18.65%
EPS Next 3Y21.34%

More info and screens

4

5. Dividend

5.1 Amount

CFX has a Yearly Dividend Yield of 1.14%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 2.97, CFX pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.30, CFX's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 1.14%

5.2 History

On average, the dividend of CFX grows each year by 6.34%, which is quite nice.
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 pays out 25.36% of its income as dividend. This is a 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 2Y18.65%
EPS Next 3Y21.34%
CFX.DE Yearly Income VS Free CF VS DividendCFX.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B
CFX.DE Dividend Payout.CFX.DE Dividend Payout, showing the Payout Ratio.CFX.DE Dividend Payout.PayoutRetained Earnings

More info and screens

CAPITAL ONE FINANCIAL CORP

FRA:CFX (7/25/2025, 7:00:00 PM)

181

-4 (-2.16%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)07-22 2025-07-22/amc
Earnings (Next)10-22 2025-10-22/amc
Inst Owners56.81%
Inst Owner ChangeN/A
Ins Owners0.76%
Ins Owner ChangeN/A
Market Cap115.87B
Analysts80.77
Price Target213.91 (18.18%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 1.14%
Yearly Dividend2.6
Dividend Growth(5Y)6.34%
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)9.67%
PT rev (3m)14.04%
EPS NQ rev (1m)85.37%
EPS NQ rev (3m)-8.97%
EPS NY rev (1m)0.51%
EPS NY rev (3m)0.43%
Revenue NQ rev (1m)0.33%
Revenue NQ rev (3m)24.58%
Revenue NY rev (1m)-0.76%
Revenue NY rev (3m)27.94%
Valuation
Industry RankSector Rank
PE 12.38
Fwd PE 10.81
P/S 3.42
P/FCF 7.34
P/OCF 6.86
P/B 2.14
P/tB 2.83
EV/EBITDA N/A
EPS(TTM)14.62
EY8.08%
EPS(NY)16.75
Fwd EY9.25%
FCF(TTM)24.66
FCFY13.63%
OCF(TTM)26.4
OCFY14.59%
SpS52.91
BVpS84.67
TBVpS63.86
PEG (NY)0.89
PEG (5Y)2.99
Profitability
Industry RankSector 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 RankSector 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
WACC13.77%
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 Y13.97%
EPS Next 2Y18.65%
EPS Next 3Y21.34%
EPS Next 5Y4.97%
Revenue 1Y (TTM)13.01%
Revenue growth 3Y8.72%
Revenue growth 5Y6.47%
Sales Q2Q%31.41%
Revenue Next Year34.6%
Revenue Next 2Y26.38%
Revenue Next 3Y19.12%
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%