CAPITAL ONE FINANCIAL CORP (COF) Stock Fundamental Analysis

NYSE:COF • US14040H1059

196.29 USD
+0.65 (+0.33%)
Last: Mar 2, 2026, 11:16 AM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Taking everything into account, COF scores 4 out of 10 in our fundamental rating. COF was compared to 54 industry peers in the Consumer Finance industry. Both the profitability and financial health of COF have multiple concerns. COF has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • COF had positive earnings in the past year.
  • In the past year COF had a positive cash flow from operations.
  • COF had positive earnings in each of the past 5 years.
  • COF had a positive operating cash flow in 4 of the past 5 years.
COF Yearly Net Income VS EBIT VS OCF VS FCFCOF 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 2025 5B 10B 15B 20B

1.2 Ratios

  • COF's Return On Assets of 0.17% is on the low side compared to the rest of the industry. COF is outperformed by 81.48% of its industry peers.
  • With a Return On Equity value of 0.96%, COF is not doing good in the industry: 81.48% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA 0.17%
ROE 0.96%
ROIC N/A
ROA(3y)0.73%
ROA(5y)1.3%
ROE(3y)5.71%
ROE(5y)10.02%
ROIC(3y)N/A
ROIC(5y)N/A
COF Yearly ROA, ROE, ROICCOF Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • Looking at the Profit Margin, with a value of 2.28%, COF is doing worse than 77.78% of the companies in the same industry.
  • COF's Profit Margin has declined in the last couple of years.
  • The Operating Margin and Gross Margin are not available for COF so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 2.28%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-41.67%
PM growth 5Y-13.29%
GM growth 3YN/A
GM growth 5YN/A
COF Yearly Profit, Operating, Gross MarginsCOF Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

2.1 Basic Checks

  • COF does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for COF has been increased compared to 1 year ago.
  • Compared to 5 years ago, COF has more shares outstanding
  • Compared to 1 year ago, COF has an improved debt to assets ratio.
COF Yearly Shares OutstandingCOF Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M
COF Yearly Total Debt VS Total AssetsCOF Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200B 400B 600B

2.2 Solvency

  • COF has a debt to FCF ratio of 2.44. This is a good value and a sign of high solvency as COF would need 2.44 years to pay back of all of its debts.
  • With an excellent Debt to FCF ratio value of 2.44, COF belongs to the best of the industry, outperforming 81.48% of the companies in the same industry.
  • COF has a Debt/Equity ratio of 0.45. This is a healthy value indicating a solid balance between debt and equity.
  • With a decent Debt to Equity ratio value of 0.45, COF is doing good in the industry, outperforming 77.78% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.45
Debt/FCF 2.44
Altman-Z N/A
ROIC/WACCN/A
WACC12.45%
COF Yearly LT Debt VS Equity VS FCFCOF Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B 80B 100B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
COF Yearly Current Assets VS Current LiabilitesCOF Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B 10B

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

5

3. Growth

3.1 Past

  • COF shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 38.71%, which is quite impressive.
  • Measured over the past years, COF shows a very strong growth in Earnings Per Share. The EPS has been growing by 30.56% on average per year.
  • Looking at the last year, COF shows a very strong growth in Revenue. The Revenue has grown by 36.62%.
  • The Revenue has been growing by 13.38% on average over the past years. This is quite good.
EPS 1Y (TTM)38.71%
EPS 3Y3.21%
EPS 5Y30.56%
EPS Q2Q%24.92%
Revenue 1Y (TTM)36.62%
Revenue growth 3Y15.98%
Revenue growth 5Y13.38%
Sales Q2Q%52.92%

3.2 Future

  • Based on estimates for the next years, COF will show a decrease in Earnings Per Share. The EPS will decrease by -0.12% on average per year.
  • COF is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -2.19% yearly.
EPS Next Y5.9%
EPS Next 2Y13.18%
EPS Next 3Y13.33%
EPS Next 5Y-0.12%
Revenue Next Year19.15%
Revenue Next 2Y11.95%
Revenue Next 3Y9.86%
Revenue Next 5Y-2.19%

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less 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.
COF Yearly Revenue VS EstimatesCOF 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
COF Yearly EPS VS EstimatesCOF 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

5

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 10.14, the valuation of COF can be described as very reasonable.
  • The rest of the industry has a similar Price/Earnings ratio as COF.
  • When comparing the Price/Earnings ratio of COF to the average of the S&P500 Index (27.07), we can say COF is valued rather cheaply.
  • A Price/Forward Earnings ratio of 9.58 indicates a reasonable valuation of COF.
  • COF's Price/Forward Earnings ratio is in line with the industry average.
  • When comparing the Price/Forward Earnings ratio of COF to the average of the S&P500 Index (28.05), we can say COF is valued rather cheaply.
Industry RankSector Rank
PE 10.14
Fwd PE 9.58
COF Price Earnings VS Forward Price EarningsCOF Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, COF is valued a bit cheaper than 62.96% of the companies in the same industry.
Industry RankSector Rank
P/FCF 5.89
EV/EBITDA N/A
COF Per share dataCOF EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 50 100 150

4.3 Compensation for Growth

  • The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
  • COF's earnings are expected to grow with 13.33% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.72
PEG (5Y)0.33
EPS Next 2Y13.18%
EPS Next 3Y13.33%

More info and screens

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

5

5. Dividend

5.1 Amount

  • COF has a Yearly Dividend Yield of 6.31%, which is a nice return.
  • Compared to an average industry Dividend Yield of 2.83, COF pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.82, COF pays a better dividend.
Industry RankSector Rank
Dividend Yield 6.31%

5.2 History

  • The dividend of COF is nicely growing with an annual growth rate of 6.34%!
  • COF has been paying a dividend for at least 10 years, so it has a reliable track record.
  • The dividend of COF decreased in the last 3 years.
Dividend Growth(5Y)6.34%
Div Incr Years0
Div Non Decr Years2
COF Yearly Dividends per shareCOF Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5 2 2.5

5.3 Sustainability

  • 135.04% of the earnings are spent on dividend by COF. This is not a sustainable payout ratio.
  • COF's earnings are declining while the Dividend Rate has been growing. This means the dividend growth is most likely not sustainable.
DP135.04%
EPS Next 2Y13.18%
EPS Next 3Y13.33%
COF Yearly Income VS Free CF VS DividendCOF Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B
COF Dividend Payout.COF Dividend Payout, showing the Payout Ratio.COF Dividend Payout.PayoutRetained Earnings

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CAPITAL ONE FINANCIAL CORP

NYSE:COF (3/2/2026, 11:16:09 AM)

196.29

+0.65 (+0.33%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)01-22
Earnings (Next)04-20
Inst Owners87.59%
Inst Owner Change0.8%
Ins Owners0.74%
Ins Owner Change-2.16%
Market Cap122.70B
Revenue(TTM)53.43B
Net Income(TTM)1.09B
Analysts81.43
Price Target282.45 (43.89%)
Short Float %1.38%
Short Ratio1.73
Dividend
Industry RankSector Rank
Dividend Yield 6.31%
Yearly Dividend3.05
Dividend Growth(5Y)6.34%
DP135.04%
Div Incr Years0
Div Non Decr Years2
Ex-Date02-19
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)40.46%
Min EPS beat(2)34.94%
Max EPS beat(2)45.98%
EPS beat(4)4
Avg EPS beat(4)24.58%
Min EPS beat(4)8.56%
Max EPS beat(4)45.98%
EPS beat(8)5
Avg EPS beat(8)11.47%
EPS beat(12)7
Avg EPS beat(12)5.53%
EPS beat(16)9
Avg EPS beat(16)3.05%
Revenue beat(2)1
Avg Revenue beat(2)-0.86%
Min Revenue beat(2)-2.6%
Max Revenue beat(2)0.88%
Revenue beat(4)1
Avg Revenue beat(4)-1.1%
Min Revenue beat(4)-2.6%
Max Revenue beat(4)0.88%
Revenue beat(8)2
Avg Revenue beat(8)-0.8%
Revenue beat(12)3
Avg Revenue beat(12)-0.96%
Revenue beat(16)6
Avg Revenue beat(16)-0.59%
PT rev (1m)-1.91%
PT rev (3m)6.44%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.52%
EPS NY rev (1m)-2.45%
EPS NY rev (3m)-2.93%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.08%
Revenue NY rev (1m)0.13%
Revenue NY rev (3m)0.67%
Valuation
Industry RankSector Rank
PE 10.14
Fwd PE 9.58
P/S 2.55
P/FCF 5.89
P/OCF 5.49
P/B 1.08
P/tB 1.81
EV/EBITDA N/A
EPS(TTM)19.35
EY9.86%
EPS(NY)20.49
Fwd EY10.44%
FCF(TTM)33.35
FCFY16.99%
OCF(TTM)35.73
OCFY18.2%
SpS76.85
BVpS182.07
TBVpS108.64
PEG (NY)1.72
PEG (5Y)0.33
Graham Number281.55
Profitability
Industry RankSector Rank
ROA 0.17%
ROE 0.96%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 2.28%
GM N/A
FCFM 43.39%
ROA(3y)0.73%
ROA(5y)1.3%
ROE(3y)5.71%
ROE(5y)10.02%
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-41.67%
PM growth 5Y-13.29%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.07
Health
Industry RankSector Rank
Debt/Equity 0.45
Debt/FCF 2.44
Debt/EBITDA N/A
Cap/Depr 33.34%
Cap/Sales 3.1%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 1907.14%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC12.45%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)38.71%
EPS 3Y3.21%
EPS 5Y30.56%
EPS Q2Q%24.92%
EPS Next Y5.9%
EPS Next 2Y13.18%
EPS Next 3Y13.33%
EPS Next 5Y-0.12%
Revenue 1Y (TTM)36.62%
Revenue growth 3Y15.98%
Revenue growth 5Y13.38%
Sales Q2Q%52.92%
Revenue Next Year19.15%
Revenue Next 2Y11.95%
Revenue Next 3Y9.86%
Revenue Next 5Y-2.19%
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 1Y-3.95%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-2.09%
OCF growth 3YN/A
OCF growth 5YN/A

CAPITAL ONE FINANCIAL CORP / COF FAQ

What is the ChartMill fundamental rating of CAPITAL ONE FINANCIAL CORP (COF) stock?

ChartMill assigns a fundamental rating of 4 / 10 to COF.


Can you provide the valuation status for CAPITAL ONE FINANCIAL CORP?

ChartMill assigns a valuation rating of 5 / 10 to CAPITAL ONE FINANCIAL CORP (COF). This can be considered as Fairly Valued.


Can you provide the profitability details for CAPITAL ONE FINANCIAL CORP?

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


What is the financial health of CAPITAL ONE FINANCIAL CORP (COF) stock?

The financial health rating of CAPITAL ONE FINANCIAL CORP (COF) is 3 / 10.


How sustainable is the dividend of CAPITAL ONE FINANCIAL CORP (COF) stock?

The dividend rating of CAPITAL ONE FINANCIAL CORP (COF) is 5 / 10 and the dividend payout ratio is 135.04%.