CAPITAL ONE FINANCIAL CORP (COF) Stock Fundamental Analysis
USA - NYSE:COF - US14040H1059 - Common Stock
202.22 USD
-0.18 (-0.09%)
203.99 USD
+1.77 (+0.88%)
Overall COF gets a fundamental rating of 4 out of 10. We evaluated COF against 55 industry peers in the Consumer Finance industry. COF has a bad profitability rating. Also its financial health evaluation is rather negative. COF is growing strongly while it is still valued neutral. This is a good combination!
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.
In the past 5 years COF has always been profitable.
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 72.73% of its industry peers.
The Return On Equity of COF (0.96%) is worse than 74.55% 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
With a Profit Margin value of 2.28%, COF is not doing good in the industry: 72.73% of the companies in the same industry are doing better.
COF's Profit Margin has declined in the last couple of years.
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.
Compared to 5 years ago, COF has less shares outstanding
Compared to 1 year ago, COF has an improved debt to assets ratio.
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.
COF has a Debt to FCF ratio of 2.44. This is in the better half of the industry: COF outperforms 80.00% of its industry peers.
A Debt/Equity ratio of 0.45 indicates that COF is not too dependend on debt financing.
The Debt to Equity ratio of COF (0.45) is better than 72.73% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.45 | ||
| Debt/FCF | 2.44 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.95%
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.
The Earnings Per Share has been growing slightly by 4.14% on average over the past years.
Looking at the last year, COF shows a very strong growth in Revenue. The Revenue has grown by 25.02%.
COF shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.47% yearly.
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.
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 Y43.28%
EPS Next 2Y23.02%
EPS Next 3Y22.18%
EPS Next 5Y10.88%
Revenue Next Year36.39%
Revenue Next 2Y27.04%
Revenue Next 3Y19.42%
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 10.88, the valuation of COF can be described as reasonable.
The rest of the industry has a similar Price/Earnings ratio as COF.
Compared to an average S&P500 Price/Earnings ratio of 25.07, COF is valued rather cheaply.
COF is valuated reasonably with a Price/Forward Earnings ratio of 9.58.
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 (34.08), we can say COF is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.88 | ||
| Fwd PE | 9.58 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, COF is valued a bit cheaper than the industry average as 63.64% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.2 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
COF's 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 22.18% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.25
PEG (5Y)2.63
EPS Next 2Y23.02%
EPS Next 3Y22.18%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.48%, COF has a reasonable but not impressive dividend return.
COF's Dividend Yield is comparable with the industry average which is at 4.71.
Compared to the average S&P500 Dividend Yield of 2.44, COF is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.48% |
5.2 History
The dividend of COF is nicely growing with an annual growth rate of 6.34%!
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
135.04% of the earnings are spent on dividend by COF. This is not a sustainable payout ratio.
The dividend of COF is growing, but earnings are growing more, so the dividend growth is sustainable.
DP135.04%
EPS Next 2Y23.02%
EPS Next 3Y22.18%
202.22
-0.18 (-0.09%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners87.42%
Inst Owner Change-17.91%
Ins Owners0.76%
Ins Owner Change3.67%
Market Cap129.32B
Revenue(TTM)48.04B
Net Income(TTM)1.09B
Analysts81.43
Price Target265.13 (31.11%)
Short Float %1.13%
Short Ratio1.94
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.48% |
Yearly Dividend3.05
Dividend Growth(5Y)6.34%
DP135.04%
Div Incr Years0
Div Non Decr Years2
Ex-Date
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)2.26%
PT rev (3m)3.07%
EPS NQ rev (1m)6.84%
EPS NQ rev (3m)8.75%
EPS NY rev (1m)13.44%
EPS NY rev (3m)25.72%
Revenue NQ rev (1m)1.16%
Revenue NQ rev (3m)1.26%
Revenue NY rev (1m)0.99%
Revenue NY rev (3m)1.14%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.88 | ||
| Fwd PE | 9.58 | ||
| P/S | 2.69 | ||
| P/FCF | 6.2 | ||
| P/OCF | 5.79 | ||
| P/B | 1.14 | ||
| P/tB | 1.9 | ||
| EV/EBITDA | N/A |
EPS(TTM)18.58
EY9.19%
EPS(NY)21.11
Fwd EY10.44%
FCF(TTM)32.6
FCFY16.12%
OCF(TTM)34.93
OCFY17.27%
SpS75.12
BVpS177.97
TBVpS106.19
PEG (NY)0.25
PEG (5Y)2.63
Graham Number272.77
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
WACC14.95%
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 Y43.28%
EPS Next 2Y23.02%
EPS Next 3Y22.18%
EPS Next 5Y10.88%
Revenue 1Y (TTM)25.02%
Revenue growth 3Y8.72%
Revenue growth 5Y6.47%
Sales Q2Q%53.38%
Revenue Next Year36.39%
Revenue Next 2Y27.04%
Revenue Next 3Y19.42%
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.
What is the valuation status of CAPITAL ONE FINANCIAL CORP (COF) stock?
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 earnings growth outlook for CAPITAL ONE FINANCIAL CORP?
The Earnings per Share (EPS) of CAPITAL ONE FINANCIAL CORP (COF) is expected to grow by 43.28% in the next year.
Can you provide the dividend sustainability for COF stock?
The dividend rating of CAPITAL ONE FINANCIAL CORP (COF) is 4 / 10 and the dividend payout ratio is 135.04%.