CAPITAL ONE FINANCIAL CORP (COF) Stock Fundamental Analysis
USA - NYSE:COF - US14040H1059 - Common Stock
229.74 USD
+4.13 (+1.83%)
230.4 USD
+0.66 (+0.29%)
COF gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 54 industry peers in the Consumer Finance industry. COF has a bad profitability rating. Also its financial health evaluation is rather negative. COF has a correct valuation and a medium growth rate. Finally COF also has an excellent dividend rating.
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 each of the past 5 years.
1.2 Ratios
COF has a worse Return On Assets (-0.05%) than 75.93% of its industry peers.
Looking at the Return On Equity, with a value of -0.27%, COF is doing worse than 75.93% of the companies in the same industry.
| 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.
COF does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
| 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
The Debt to FCF ratio of COF is 2.86, which is a good value as it means it would take COF, 2.86 years of fcf income to pay off all of its debts.
With a decent Debt to FCF ratio value of 2.86, COF is doing good in the industry, outperforming 77.78% of the companies in the same industry.
COF has a Debt/Equity ratio of 0.47. This is a healthy value indicating a solid balance between debt and equity.
COF has a better Debt to Equity ratio (0.47) than 75.93% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.47 | ||
| Debt/FCF | 2.86 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.01%
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 31.44% 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.
COF shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 13.01%.
The Revenue has been growing slightly by 6.47% on average over the past years.
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.
COF is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.90% yearly.
EPS Next Y26.15%
EPS Next 2Y19.1%
EPS Next 3Y21.11%
EPS Next 5Y10.88%
Revenue Next Year34.87%
Revenue Next 2Y26.33%
Revenue Next 3Y18.98%
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.
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 13.40, 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.
The average S&P500 Price/Earnings ratio is at 27.41. COF is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 11.61 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 (22.88), we can say COF is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.4 | ||
| Fwd PE | 11.61 |
4.2 Price Multiples
COF's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.06 | ||
| 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 21.11% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.51
PEG (5Y)3.24
EPS Next 2Y19.1%
EPS Next 3Y21.11%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.96%, COF is a good candidate for dividend investing.
COF's Dividend Yield is rather good when compared to the industry average which is at 4.46. COF pays more dividend than 85.19% of the companies in the same industry.
COF's Dividend Yield is rather good when compared to the S&P500 average which is at 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.96% |
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.
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%
229.74
+4.13 (+1.83%)
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 Change4.67%
Market Cap146.92B
Analysts81.43
Price Target258.85 (12.67%)
Short Float %1.26%
Short Ratio2.28
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.96% |
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)0.63%
PT rev (3m)16.47%
EPS NQ rev (1m)0.69%
EPS NQ rev (3m)4.57%
EPS NY rev (1m)10.69%
EPS NY rev (3m)10.78%
Revenue NQ rev (1m)-0.2%
Revenue NQ rev (3m)-0.54%
Revenue NY rev (1m)0.01%
Revenue NY rev (3m)0.62%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.4 | ||
| Fwd PE | 11.61 | ||
| P/S | 3.44 | ||
| P/FCF | 8.06 | ||
| P/OCF | 7.48 | ||
| P/B | 1.32 | ||
| P/tB | 2.28 | ||
| EV/EBITDA | N/A |
EPS(TTM)17.14
EY7.46%
EPS(NY)19.79
Fwd EY8.61%
FCF(TTM)28.5
FCFY12.4%
OCF(TTM)30.71
OCFY13.37%
SpS66.76
BVpS173.5
TBVpS100.8
PEG (NY)0.51
PEG (5Y)3.24
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
WACC15.01%
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 Year34.87%
Revenue Next 2Y26.33%
Revenue Next 3Y18.98%
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%