CAPITAL ONE FINANCIAL CORP (COF) Stock Fundamental Analysis
USA - NYSE:COF - US14040H1059 - Common Stock
211.34 USD
+8.19 (+4.03%)
212.12 USD
+0.78 (+0.37%)
Taking everything into account, COF scores 4 out of 10 in our fundamental rating. COF was compared to 55 industry peers in the Consumer Finance industry. COF has a bad profitability rating. Also its financial health evaluation is rather negative. COF has a decent growth rate and is not valued too expensively. COF also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
COF had positive earnings in the past year.
COF had a positive operating cash flow in the past year.
Each year in the past 5 years COF has been profitable.
COF had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of COF (-0.05%) is worse than 74.55% of its industry peers.
COF's Return On Equity of -0.27% is on the low side compared to the rest of the industry. COF is outperformed by 74.55% of its industry peers.
| 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
COF's Profit Margin has declined in the last couple of years.
The Profit Margin and Operating Margin and Gross Margin are not available for COF so they could not be analyzed.
| 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
COF does not have a ROIC to compare to the WACC, probably because it is not profitable.
COF has more shares outstanding than it did 1 year ago.
The number of shares outstanding for COF has been reduced compared to 5 years ago.
COF has a better debt/assets ratio than last year.
2.2 Solvency
COF has a debt to FCF ratio of 2.86. This is a good value and a sign of high solvency as COF would need 2.86 years to pay back of all of its debts.
With a decent Debt to FCF ratio value of 2.86, COF is doing good in the industry, outperforming 80.00% of the companies in the same industry.
A Debt/Equity ratio of 0.47 indicates that COF is not too dependend on debt financing.
The Debt to Equity ratio of COF (0.47) is better than 76.36% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.47 | ||
| Debt/FCF | 2.86 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.97%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
COF shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 31.44%, which is quite impressive.
Measured over the past 5 years, COF shows a small growth in Earnings Per Share. The EPS has been growing by 4.14% on average per year.
COF shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 13.01%.
Measured over the past years, COF 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
COF 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, COF 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
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 accelerating.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 12.33, COF is valued correctly.
COF's Price/Earnings ratio is in line with the industry average.
COF is valuated cheaply when we compare the Price/Earnings ratio to 27.40, which is the current average of the S&P500 Index.
COF is valuated reasonably with a Price/Forward Earnings ratio of 10.55.
COF's Price/Forward Earnings ratio is in line with the industry average.
COF is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.94, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.33 | ||
| Fwd PE | 10.55 |
4.2 Price Multiples
63.64% of the companies in the same industry are more expensive than COF, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.42 | ||
| EV/EBITDA | N/A |
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 COF's earnings are expected to grow with 21.18% in the coming years.
PEG (NY)0.47
PEG (5Y)2.98
EPS Next 2Y19.81%
EPS Next 3Y21.18%
5. Dividend
5.1 Amount
COF has a Yearly Dividend Yield of 6.24%, which is a nice return.
Compared to an average industry Dividend Yield of 4.76, COF pays a better dividend. On top of this COF pays more dividend than 89.09% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.36, COF pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.24% |
5.2 History
On average, the dividend of COF grows each year by 6.34%, which is quite nice.
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
5.3 Sustainability
The earnings of COF are negative and hence is the payout ratio. COF will probably not be able to sustain this dividend level.
The dividend of COF is growing, but earnings are growing more, so the dividend growth is sustainable.
DP-439.53%
EPS Next 2Y19.81%
EPS Next 3Y21.18%
211.34
+8.19 (+4.03%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners87.42%
Inst Owner Change-17.63%
Ins Owners0.76%
Ins Owner Change4.64%
Market Cap135.15B
Analysts81.43
Price Target259.26 (22.67%)
Short Float %1.43%
Short Ratio2.58
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.24% |
Yearly Dividend3.05
Dividend Growth(5Y)6.34%
DP-439.53%
Div Incr Years0
Div Non Decr Years2
Ex-Date
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)0.16%
PT rev (3m)6.37%
EPS NQ rev (1m)5.1%
EPS NQ rev (3m)6.97%
EPS NY rev (1m)0.13%
EPS NY rev (3m)10.83%
Revenue NQ rev (1m)0.66%
Revenue NQ rev (3m)0.39%
Revenue NY rev (1m)0.13%
Revenue NY rev (3m)0.33%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.33 | ||
| Fwd PE | 10.55 | ||
| P/S | 3.17 | ||
| P/FCF | 7.42 | ||
| P/OCF | 6.88 | ||
| P/B | 1.22 | ||
| P/tB | 2.1 | ||
| EV/EBITDA | N/A |
EPS(TTM)17.14
EY8.11%
EPS(NY)20.02
Fwd EY9.47%
FCF(TTM)28.5
FCFY13.48%
OCF(TTM)30.71
OCFY14.53%
SpS66.76
BVpS173.5
TBVpS100.8
PEG (NY)0.47
PEG (5Y)2.98
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
WACC14.97%
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%