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CAPITAL ONE FINANCIAL CORP (COF) Stock Fundamental Analysis

NYSE:COF - New York Stock Exchange, Inc. - US14040H1059 - Common Stock - Currency: USD

192.315  -3.63 (-1.86%)

Fundamental Rating

4

COF gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 52 industry peers in the Consumer Finance industry. Both the profitability and financial health of COF have multiple concerns. COF is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

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3

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.
Each year in the past 5 years COF had a positive operating cash flow.
COF Yearly Net Income VS EBIT VS OCF VS FCFCOF Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B 20B

1.2 Ratios

With a Return On Assets value of 0.93%, COF is not doing good in the industry: 61.54% of the companies in the same industry are doing better.
COF has a Return On Equity (7.19%) which is comparable to the rest of the industry.
Industry RankSector Rank
ROA 0.93%
ROE 7.19%
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
COF Yearly ROA, ROE, ROICCOF Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

COF's Profit Margin of 11.51% is in line compared to the rest of the industry. COF outperforms 55.77% of its industry peers.
In the last couple of years the Profit Margin of COF has declined.
The Operating Margin and Gross Margin are not available for COF so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 11.51%
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
COF Yearly Profit, Operating, Gross MarginsCOF Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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3

2. Health

2.1 Basic Checks

COF does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, COF has more shares outstanding
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.
COF Yearly Shares OutstandingCOF Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M 500M
COF Yearly Total Debt VS Total AssetsCOF Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100B 200B 300B 400B

2.2 Solvency

COF has a debt to FCF ratio of 2.26. This is a good value and a sign of high solvency as COF would need 2.26 years to pay back of all of its debts.
The Debt to FCF ratio of COF (2.26) is better than 82.69% of its industry peers.
A Debt/Equity ratio of 0.66 indicates that COF is somewhat dependend on debt financing.
COF has a Debt to Equity ratio of 0.66. This is in the better half of the industry: COF outperforms 67.31% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.66
Debt/FCF 2.26
Altman-Z N/A
ROIC/WACCN/A
WACC15.09%
COF Yearly LT Debt VS Equity VS FCFCOF Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
COF Yearly Current Assets VS Current LiabilitesCOF Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

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4

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 10.28% over the past year.
The Earnings Per Share has been growing slightly by 4.14% on average over the past years.
COF shows a small growth in Revenue. In the last year, the Revenue has grown by 6.50%.
The Revenue has been growing slightly by 6.47% on average over the past years.
EPS 1Y (TTM)10.28%
EPS 3Y-19.6%
EPS 5Y4.14%
EPS Q2Q%26.48%
Revenue 1Y (TTM)6.5%
Revenue growth 3Y8.72%
Revenue growth 5Y6.47%
Sales Q2Q%6.36%

3.2 Future

The Earnings Per Share is expected to grow by 4.97% on average over the next years.
The Revenue is expected to grow by 4.60% on average over the next years.
EPS Next Y13.87%
EPS Next 2Y15.37%
EPS Next 3Y15.53%
EPS Next 5Y4.97%
Revenue Next Year5.63%
Revenue Next 2Y5.61%
Revenue Next 3Y5.49%
Revenue Next 5Y4.6%

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 decreasing: in the next years the growth will be less than in the last years.
COF Yearly Revenue VS EstimatesCOF Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 10B 20B 30B 40B
COF Yearly EPS VS EstimatesCOF Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 5 10 15 20 25

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5

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 12.99 indicates a correct valuation of COF.
COF's Price/Earnings ratio is a bit more expensive when compared to the industry. COF is more expensive than 61.54% of the companies in the same industry.
COF is valuated cheaply when we compare the Price/Earnings ratio to 26.60, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 10.36, which indicates a very decent valuation of COF.
The rest of the industry has a similar Price/Forward Earnings ratio as COF.
COF is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.43, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 12.99
Fwd PE 10.36
COF Price Earnings VS Forward Price EarningsCOF Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

COF's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. COF is cheaper than 67.31% of the companies in the same industry.
Industry RankSector Rank
P/FCF 3.98
EV/EBITDA N/A
COF Per share dataCOF EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 50 100 150

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 15.53% in the coming years.
PEG (NY)0.94
PEG (5Y)3.14
EPS Next 2Y15.37%
EPS Next 3Y15.53%

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4

5. Dividend

5.1 Amount

COF has a Yearly Dividend Yield of 1.22%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 4.27, COF has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.36, COF's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 1.22%

5.2 History

On average, the dividend of COF grows each year by 6.36%, which is quite nice.
COF has paid a dividend for at least 10 years, which is a reliable track record.
The dividend of COF decreased in the last 3 years.
Dividend Growth(5Y)6.36%
Div Incr Years0
Div Non Decr Years2
COF Yearly Dividends per shareCOF Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5 2 2.5

5.3 Sustainability

25.36% of the earnings are spent on dividend by COF. This is a low number and sustainable payout ratio.
COF's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP25.36%
EPS Next 2Y15.37%
EPS Next 3Y15.53%
COF Yearly Income VS Free CF VS DividendCOF Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B
COF Dividend Payout.COF Dividend Payout, showing the Payout Ratio.COF Dividend Payout.PayoutRetained Earnings

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CAPITAL ONE FINANCIAL CORP

NYSE:COF (5/21/2025, 1:09:58 PM)

192.315

-3.63 (-1.86%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)04-22 2025-04-22/amc
Earnings (Next)07-21 2025-07-21/amc
Inst Owners93.42%
Inst Owner Change1.33%
Ins Owners1.15%
Ins Owner Change2.06%
Market Cap73.65B
Analysts80.77
Price Target217.99 (13.35%)
Short Float %6.68%
Short Ratio4.62
Dividend
Industry RankSector Rank
Dividend Yield 1.22%
Yearly Dividend3.05
Dividend Growth(5Y)6.36%
DP25.36%
Div Incr Years0
Div Non Decr Years2
Ex-Date05-23 2025-05-23 (0.6)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)8.51%
Min EPS beat(2)8.45%
Max EPS beat(2)8.56%
EPS beat(4)3
Avg EPS beat(4)7.55%
Min EPS beat(4)-5.56%
Max EPS beat(4)18.76%
EPS beat(8)5
Avg EPS beat(8)6.75%
EPS beat(12)5
Avg EPS beat(12)-3%
EPS beat(16)9
Avg EPS beat(16)3.42%
Revenue beat(2)0
Avg Revenue beat(2)-1.4%
Min Revenue beat(2)-1.59%
Max Revenue beat(2)-1.2%
Revenue beat(4)1
Avg Revenue beat(4)-0.98%
Min Revenue beat(4)-1.66%
Max Revenue beat(4)0.54%
Revenue beat(8)2
Avg Revenue beat(8)-0.77%
Revenue beat(12)3
Avg Revenue beat(12)-0.84%
Revenue beat(16)7
Avg Revenue beat(16)-0.06%
PT rev (1m)-0.07%
PT rev (3m)0.38%
EPS NQ rev (1m)-4.68%
EPS NQ rev (3m)-4.44%
EPS NY rev (1m)0.35%
EPS NY rev (3m)-0.31%
Revenue NQ rev (1m)-0.44%
Revenue NQ rev (3m)-0.48%
Revenue NY rev (1m)0.18%
Revenue NY rev (3m)0.34%
Valuation
Industry RankSector Rank
PE 12.99
Fwd PE 10.36
P/S 1.85
P/FCF 3.98
P/OCF 3.72
P/B 1.16
P/tB 1.54
EV/EBITDA N/A
EPS(TTM)14.8
EY7.7%
EPS(NY)18.57
Fwd EY9.65%
FCF(TTM)48.34
FCFY25.13%
OCF(TTM)51.74
OCFY26.91%
SpS103.69
BVpS165.92
TBVpS125.14
PEG (NY)0.94
PEG (5Y)3.14
Profitability
Industry RankSector Rank
ROA 0.93%
ROE 7.19%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 11.51%
GM N/A
FCFM 46.62%
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-Score7
Asset Turnover0.08
Health
Industry RankSector Rank
Debt/Equity 0.66
Debt/FCF 2.26
Debt/EBITDA N/A
Cap/Depr 40.24%
Cap/Sales 3.29%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 405.06%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC15.09%
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)10.28%
EPS 3Y-19.6%
EPS 5Y4.14%
EPS Q2Q%26.48%
EPS Next Y13.87%
EPS Next 2Y15.37%
EPS Next 3Y15.53%
EPS Next 5Y4.97%
Revenue 1Y (TTM)6.5%
Revenue growth 3Y8.72%
Revenue growth 5Y6.47%
Sales Q2Q%6.36%
Revenue Next Year5.63%
Revenue Next 2Y5.61%
Revenue Next 3Y5.49%
Revenue Next 5Y4.6%
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 1Y16.12%
FCF growth 3Y13.45%
FCF growth 5Y1.48%
OCF growth 1Y17.39%
OCF growth 3Y13.84%
OCF growth 5Y1.76%