CAPITAL ONE FINANCIAL CORP (COF)
US14040H1059 - Common Stock
102.85 +2.93 (+2.93%)
After market: 102.9 +0.05 (+0.05%)
Fundamental Rating
We assign a fundamental rating of 3 out of 10 to COF. COF was compared to 53 industry peers in the Consumer Finance industry. COF has a bad profitability rating. Also its financial health evaluation is rather negative. COF is cheap, but on the other hand it scores bad on growth
Profitability
Profitability Rating
COF's Profit Margin of 16.05% is in line with the rest of the industry. The industry average Profit Margin is 16.05%.
COF's Return On Assets of 1.19% is worse than the rest of the industry. The industry average Return On Assets is 2.35%. 80% of the industry peers have a better Return On Assets.
COF's Return On Equity of 10.27% is worse than the rest of the industry. The industry average Return On Equity is 16.94%.
VS Industry
ROA (1.19%) VS Industry: 20% outperformed.
0.41
39.05
ROE (10.27%) VS Industry: 26% outperformed.
0.55
436.23
Profit Margin (16.05%) VS Industry: 50% outperformed.
0.35
37.67
Valuation
Valuation Rating
With a Price/Earnings Ratio of 7.20, the valuation of COF can be described as very cheap.
With a Forward Price/Earnings Ratio of 6.89, the valuation of COF can be described as cheap.
The low PEG Ratio, which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
When comparing the current price to the book value of COF, it is valued rather cheaply. It is trading at 0.72 times its book value.
Compared to an average industry price book ratio of 0.92, COF is valued rather cheaply
Compared to an average industry Price/Earning Ratio of 7.20, COF is valued in line with its industry peers.
VS Industry
Price/Earnings (7.2) VS Industry: 51% outperformed.
949.00
1.04
Price/Book (0.72) VS Industry: 61% outperformed.
168.01
0.14
Growth
Growth Rating
Measured over the past 5 years, COF shows a quite strong growth in Earnings Per Share. The EPS has been growing by 18.44% on average per year.
The Revenue has grown by 11.07% in the past year. This is quite good.
Based on estimates for the next 5 years, COF will show a decrease in Earnings Per Share. The EPS will decrease by -1.61% on average per year.
COF shows a small growth in Revenue. Measured over the last 5 years, the Revenue has been growing by 4.69% yearly.
COF is expected to show a small growth in Revenue. In the coming 5 years, the Revenue will grow by 3.40% yearly.
COF shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -43.81%.
The EPS growth is decreasing: in the next 5 years the growth will be less than in the last years.
The Revenue growth is decreasing: in the next 5 years the growth will be less than in the last years.
| Past | Future | ||||||
|---|---|---|---|---|---|---|---|
| 5Y | 3Y | 1Y | 1Y | 2Y | 3Y | 5Y | |
| EPS | 18.44% | 15.61% | -43.81% | -19.68% | -7.88% | -2.11% | -1.61% |
| Revenue | 4.69% | 6.2% | 11.07% | 7.93% | 5.46% | 4.78% | 3.4% |
Health
Health Rating
The Debt to Equity ratio of COF is in line with the industry averages.
VS Industry
Debt/Equity (0.88) VS Industry: 55% outperformed.
230.00
0.00
Dividend
Dividend Rating
The dividend of COF is nicely growing with an annual growth rate of 6.49%!
20.68% of the earnings are spent on dividend by COF. This is a low number and sustainable payout ratio.
COF has been paying a dividend for at least 10 years, so it has a reliable track record.
COF has a Yearly Dividend Yield of 2.40%. Purely for dividend investing, there may be better candidates out there.
Compared to an average S&P500 Dividend Yield of 2.72, COF has a dividend comparable with the average S&P500 company.
Compared to an average industry Dividend Yield of 4.20, COF's dividend is way lower than its industry peers. On top of this 85% of the companies listed in the same industry pay a better dividend than COF!
The Dividend Rate of COF has been growing, while earnings will be declining. This means the dividend growth is most likely not sustainable.
VS Industry
Dividend Yield (2.4%) VS Industry: 15% outperformed.
1.12
43.14
CAPITAL ONE FINANCIAL CORP
NYSE:COF (5/26/2023, 7:17:04 PM)
After market: 102.9 +0.05 (+0.05%)102.85
+2.93 (+2.93%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)04-27 2023-04-27/amc
Earnings (Next)07-19 2023-07-19/amc
Inst Owners89.17%
Inst Owner Change-0.76%
Ins Owners1.31%
Ins Owner Change5.46%
Market Cap39.27B
Analysts68.89
Price Target112.27 (9.16%)
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.4% |
Dividend Growth(5Y)6.49%
DP20.68%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-Date05-12 2023-05-12 (0.6)
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)-34.47%
Min EPS beat(2)-41.62%
Max EPS beat(2)-27.31%
EPS beat(4)N/A
Avg EPS beat(4)-22.48%
Min EPS beat(4)-41.62%
Max EPS beat(4)-3.49%
Revenue beat(2)N/A
Avg Revenue beat(2)-1.87%
Min Revenue beat(2)-2.55%
Max Revenue beat(2)-1.18%
Revenue beat(4)1
Avg Revenue beat(4)-0.98%
Min Revenue beat(4)-2.55%
Max Revenue beat(4)1.55%
PT rev (1m)-3.03%
PT rev (3m)-5.62%
EPS NQ rev (1m)-11.81%
EPS NQ rev (3m)-9.75%
EPS NY rev (1m)0%
EPS NY rev (3m)-12.37%
Revenue NQ rev (1m)-0.13%
Revenue NQ rev (3m)0.49%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.47%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.2 | ||
| Fwd PE | 6.89 | ||
| P/S | 1.12 | ||
| P/FCF | 2.46 | ||
| P/OCF | 2.33 | ||
| P/B | 0.72 | ||
| P/tB | 1 | ||
| EV/EBITDA | N/A |
EPS(TTM)14.29
EY13.89%
EPS(NY)14.94
Fwd EY14.52%
FCF(TTM)41.75
FCFY40.59%
OCF(TTM)44.21
OCFY42.99%
SpS91.62
BVpS143.14
TBVpS102.36
PEG (NY)N/A
PEG (5Y)0.39
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.19% | ||
| ROE | 10.27% | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM | 16.05% | ||
| GM | N/A |
ROICexgc(3y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc(3y)N/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y4.24%
PM growth 5Y26.87%
GM growth 3YN/A
GM growth 5YN/A
F-ScoreN/A
Asset Turnover0.07
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.88 | ||
| Debt/FCF | 3.06 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 25.92% | ||
| Profit Quality | 284% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-ScoreN/A
WACC8.06%
ROIC/WACCN/A
Cap/Depr(3y)23.14%
Cap/Depr(5y)26.49%
Profit Quality(3y)317.68%
Profit Quality(5y)293.68%
Growth
EPS 1Y-43.81%
EPS 3Y15.61%
EPS 5Y18.44%
EPS growth Q2Q-58.9%
EPS Next Y-19.68%
EPS Next 2Y-7.88%
EPS Next 3Y-2.11%
EPS Next 5Y-1.61%
Revenue growth 1Y11.07%
Revenue growth 3Y6.2%
Revenue growth 5Y4.69%
Revenue growth Q2Q8.93%
Revenue Next Year7.93%
Revenue Next 2Y5.46%
Revenue Next 3Y4.78%
Revenue Next 5Y3.4%
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 1Y30.75%
FCF growth 3Y-6.5%
FCF growth 5Y-0.44%
OCF growth 1Y30.59%
OCF growth 3Y-6.03%
OCF growth 5Y-0.53%
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