CAPITAL ONE FINANCIAL CORP (COF) Stock Fundamental Analysis
NYSE:COF - US14040H1059 - Common Stock
224.92 USD
+3.82 (+1.73%)
224.802 USD
-0.12 (-0.05%)
We assign a fundamental rating of 4 out of 10 to COF. COF was compared to 53 industry peers in the Consumer Finance industry. COF may be in some trouble as it scores bad on both profitability and health. COF is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year COF was profitable.
COF had a positive operating cash flow in the past year.
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 has a worse Return On Assets (-0.05%) than 73.58% of its industry peers.
COF has a worse Return On Equity (-0.27%) than 73.58% 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
In the last couple of years the Profit Margin of COF has declined.
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.
The number of shares outstanding for COF has been increased compared to 1 year ago.
The number of shares outstanding for COF has been reduced compared to 5 years ago.
The debt/assets ratio for COF has been reduced compared to a year ago.
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.
COF's Debt to FCF ratio of 2.86 is fine compared to the rest of the industry. COF outperforms 77.36% of its industry peers.
COF has a Debt/Equity ratio of 0.47. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.47, COF is in the better half of the industry, outperforming 75.47% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.47 | ||
| Debt/FCF | 2.86 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.03%
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.
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 quite strong growth in Revenue. The Revenue has grown by 13.01% in the last year.
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
Based on estimates for the next years, COF will show a quite strong growth in Earnings Per Share. The EPS will grow by 10.88% on average per year.
Based on estimates for the next years, COF will show a quite strong growth in Revenue. The Revenue will grow by 11.90% on average per year.
EPS Next Y26.15%
EPS Next 2Y19.1%
EPS Next 3Y21.11%
EPS Next 5Y10.88%
Revenue Next Year35.07%
Revenue Next 2Y26.43%
Revenue Next 3Y19.04%
Revenue Next 5Y11.9%
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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
A Price/Earnings ratio of 13.12 indicates a correct valuation of COF.
Compared to the rest of the industry, the Price/Earnings ratio of COF is on the same level as its industry peers.
COF is valuated cheaply when we compare the Price/Earnings ratio to 27.08, which is the current average of the S&P500 Index.
COF is valuated reasonably with a Price/Forward Earnings ratio of 11.37.
The rest of the industry has a similar Price/Forward Earnings ratio as COF.
COF is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 22.67, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.12 | ||
| Fwd PE | 11.37 |
4.2 Price Multiples
COF's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.89 | ||
| 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.
A more expensive valuation may be justified as COF's earnings are expected to grow with 21.11% in the coming years.
PEG (NY)0.5
PEG (5Y)3.17
EPS Next 2Y19.1%
EPS Next 3Y21.11%
5. Dividend
5.1 Amount
COF has a Yearly Dividend Yield of 1.13%. Purely for dividend investing, there may be better candidates out there.
COF's Dividend Yield is comparable with the industry average which is at 4.24.
With a Dividend Yield of 1.13, COF pays less dividend than the S&P500 average, which is at 2.34.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.13% |
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
COF has negative earnings and hence a negative payout ratio. The dividend may be in danger.
The dividend of COF is growing, but earnings are growing more, so the dividend growth is sustainable.
DP-439.53%
EPS Next 2Y19.1%
EPS Next 3Y21.11%
224.92
+3.82 (+1.73%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners58.84%
Inst Owner Change80.56%
Ins Owners0.76%
Ins Owner Change6.15%
Market Cap143.84B
Analysts80.77
Price Target257.29 (14.39%)
Short Float %1.4%
Short Ratio2.3
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.13% |
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)5.57%
PT rev (3m)18.03%
EPS NQ rev (1m)2.52%
EPS NQ rev (3m)-6.97%
EPS NY rev (1m)10.69%
EPS NY rev (3m)10.78%
Revenue NQ rev (1m)0.15%
Revenue NQ rev (3m)43.49%
Revenue NY rev (1m)0.35%
Revenue NY rev (3m)27.86%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.12 | ||
| Fwd PE | 11.37 | ||
| P/S | 3.37 | ||
| P/FCF | 7.89 | ||
| P/OCF | 7.32 | ||
| P/B | 1.3 | ||
| P/tB | 2.23 | ||
| EV/EBITDA | N/A |
EPS(TTM)17.14
EY7.62%
EPS(NY)19.79
Fwd EY8.8%
FCF(TTM)28.5
FCFY12.67%
OCF(TTM)30.71
OCFY13.65%
SpS66.76
BVpS173.5
TBVpS100.8
PEG (NY)0.5
PEG (5Y)3.17
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
WACC13.03%
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 Y26.15%
EPS Next 2Y19.1%
EPS Next 3Y21.11%
EPS Next 5Y10.88%
Revenue 1Y (TTM)13.01%
Revenue growth 3Y8.72%
Revenue growth 5Y6.47%
Sales Q2Q%31.41%
Revenue Next Year35.07%
Revenue Next 2Y26.43%
Revenue Next 3Y19.04%
Revenue Next 5Y11.9%
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%