CAPITAL ONE FINANCIAL CORP (COF) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:COF - US14040H1059 - Common Stock
241.59 USD
+4.62 (+1.95%)
Overall COF gets a fundamental rating of 4 out of 10. We evaluated COF against 53 industry peers in the Consumer Finance industry. The financial health of COF is average, but there are quite some concerns on its profitability. COF is not overvalued while it is showing excellent growth. This is an interesting combination.
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.
- COF had positive earnings in each of the past 5 years.
- Each year in the past 5 years COF had a positive operating cash flow.
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 75.47% of its industry peers.
- COF's Return On Equity of 0.96% is on the low side compared to the rest of the industry. COF is outperformed by 77.36% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.17% | ||
| ROE | 0.96% | ||
| 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 of 2.28% is on the low side compared to the rest of the industry. COF is outperformed by 73.58% of its industry peers.
- In the last couple of years the Profit Margin of COF has declined.
- COF does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 2.28% | ||
| 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
- The Debt to FCF ratio of COF is 2.44, which is a good value as it means it would take COF, 2.44 years of fcf income to pay off all of its debts.
- With an excellent Debt to FCF ratio value of 2.44, COF belongs to the best of the industry, outperforming 81.13% 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.
- COF has a better Debt to Equity ratio (0.45) than 77.36% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.45 | ||
| Debt/FCF | 2.44 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.04%
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 impressive 41.83% over the past year.
- COF 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, COF shows a very strong growth in Revenue. The Revenue has grown by 25.02%.
- 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)41.83%
EPS 3Y-19.6%
EPS 5Y4.14%
EPS Q2Q%31.93%
Revenue 1Y (TTM)25.02%
Revenue growth 3Y8.72%
Revenue growth 5Y6.47%
Sales Q2Q%53.38%
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.
- The Revenue is expected to grow by 11.94% on average over the next years. This is quite good.
EPS Next Y43.42%
EPS Next 2Y22.85%
EPS Next 3Y22.32%
EPS Next 5Y10.88%
Revenue Next Year36.32%
Revenue Next 2Y27.03%
Revenue Next 3Y19.34%
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.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 13.00, the valuation of COF can be described as correct.
- Compared to the rest of the industry, the Price/Earnings ratio of COF is on the same level as its industry peers.
- Compared to an average S&P500 Price/Earnings ratio of 27.54, COF is valued rather cheaply.
- Based on the Price/Forward Earnings ratio of 11.48, the valuation of COF can be described as reasonable.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of COF is on the same level as its industry peers.
- When comparing the Price/Forward Earnings ratio of COF to the average of the S&P500 Index (24.31), we can say COF is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13 | ||
| Fwd PE | 11.48 |
4.2 Price Multiples
- 60.38% 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 | 7.37 | ||
| 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.
- COF's earnings are expected to grow with 22.32% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.3
PEG (5Y)3.14
EPS Next 2Y22.85%
EPS Next 3Y22.32%
5. Dividend
5.1 Amount
- COF has a Yearly Dividend Yield of 1.25%. Purely for dividend investing, there may be better candidates out there.
- Compared to an average industry Dividend Yield of 2.60, COF has a dividend in line with its industry peers.
- COF's Dividend Yield is slightly below the S&P500 average, which is at 1.92.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.25% |
5.2 History
- On average, the dividend of COF grows each year by 6.34%, which is quite nice.
- COF has paid a dividend for at least 10 years, which is a reliable track record.
- COF has decreased its dividend in the last 3 years.
Dividend Growth(5Y)6.34%
Div Incr Years0
Div Non Decr Years2
5.3 Sustainability
- COF pays out 135.04% of its income as dividend. This is not a sustainable payout ratio.
- COF's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP135.04%
EPS Next 2Y22.85%
EPS Next 3Y22.32%
NYSE:COF (1/16/2026, 11:10:09 AM)
241.59
+4.62 (+1.95%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)10-21 2025-10-21/amc
Earnings (Next)01-22 2026-01-22/amc
Inst Owners87.59%
Inst Owner Change-0.03%
Ins Owners0.74%
Ins Owner Change-2.55%
Market Cap153.59B
Revenue(TTM)48.04B
Net Income(TTM)1.09B
Analysts81.43
Price Target269.68 (11.63%)
Short Float %1.52%
Short Ratio2.56
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.25% |
Yearly Dividend3.05
Dividend Growth(5Y)6.34%
DP135.04%
Div Incr Years0
Div Non Decr Years2
Ex-DateN/A
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)1.63%
PT rev (3m)4.02%
EPS NQ rev (1m)0.44%
EPS NQ rev (3m)7.42%
EPS NY rev (1m)0.1%
EPS NY rev (3m)13.55%
Revenue NQ rev (1m)-0.17%
Revenue NQ rev (3m)0.8%
Revenue NY rev (1m)-0.05%
Revenue NY rev (3m)0.95%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13 | ||
| Fwd PE | 11.48 | ||
| P/S | 3.2 | ||
| P/FCF | 7.37 | ||
| P/OCF | 6.88 | ||
| P/B | 1.35 | ||
| P/tB | 2.26 | ||
| EV/EBITDA | N/A |
EPS(TTM)18.58
EY7.69%
EPS(NY)21.05
Fwd EY8.71%
FCF(TTM)32.79
FCFY13.57%
OCF(TTM)35.13
OCFY14.54%
SpS75.57
BVpS179.03
TBVpS106.82
PEG (NY)0.3
PEG (5Y)3.14
Graham Number273.57
Profitability
| Industry Rank | Sector 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)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-Score6
Asset Turnover0.07
Health
| Industry Rank | Sector 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-Score6
WACC12.04%
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)41.83%
EPS 3Y-19.6%
EPS 5Y4.14%
EPS Q2Q%31.93%
EPS Next Y43.42%
EPS Next 2Y22.85%
EPS Next 3Y22.32%
EPS Next 5Y10.88%
Revenue 1Y (TTM)25.02%
Revenue growth 3Y8.72%
Revenue growth 5Y6.47%
Sales Q2Q%53.38%
Revenue Next Year36.32%
Revenue Next 2Y27.03%
Revenue Next 3Y19.34%
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 1Y0.98%
FCF growth 3Y13.45%
FCF growth 5Y1.48%
OCF growth 1Y3.25%
OCF growth 3Y13.84%
OCF growth 5Y1.76%
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 6 / 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 4 / 10.
How sustainable is the dividend of CAPITAL ONE FINANCIAL CORP (COF) stock?
The dividend rating of CAPITAL ONE FINANCIAL CORP (COF) is 4 / 10 and the dividend payout ratio is 135.04%.