CAPITAL ONE FINANCIAL CORP (COF) Fundamental Analysis & Valuation

NYSE:COF • US14040H1059

Current stock price

177.36 USD
-4.76 (-2.61%)
Last:

This COF fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. COF Profitability Analysis

1.1 Basic Checks

  • In the past year COF was profitable.
  • In the past year COF had a positive cash flow from operations.
  • Each year in the past 5 years COF has been profitable.
  • COF had a positive operating cash flow in each of the past 5 years.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B 20B 25B

1.2 Ratios

  • COF's Return On Assets of 0.32% is on the low side compared to the rest of the industry. COF is outperformed by 79.63% of its industry peers.
  • Looking at the Return On Equity, with a value of 1.88%, COF is doing worse than 79.63% of the companies in the same industry.
Industry RankSector Rank
ROA 0.32%
ROE 1.88%
ROIC N/A
ROA(3y)0.73%
ROA(5y)1.3%
ROE(3y)5.71%
ROE(5y)10.02%
ROIC(3y)N/A
ROIC(5y)N/A
COF Yearly ROA, ROE, ROICCOF Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • COF's Profit Margin of 4.00% is on the low side compared to the rest of the industry. COF is outperformed by 77.78% 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) 4%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-41.67%
PM growth 5Y-13.29%
GM growth 3YN/A
GM growth 5YN/A
COF Yearly Profit, Operating, Gross MarginsCOF Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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3

2. COF Health Analysis

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
  • COF has more shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, COF has an improved debt to assets ratio.
COF Yearly Shares OutstandingCOF Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M
COF Yearly Total Debt VS Total AssetsCOF Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200B 400B 600B

2.2 Solvency

  • The Debt to FCF ratio of COF is 1.89, which is an excellent value as it means it would take COF, only 1.89 years of fcf income to pay off all of its debts.
  • With an excellent Debt to FCF ratio value of 1.89, COF belongs to the best of the industry, outperforming 85.19% of the companies in the same industry.
  • COF has a Debt/Equity ratio of 0.44. This is a healthy value indicating a solid balance between debt and equity.
  • COF has a better Debt to Equity ratio (0.44) than 77.78% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.44
Debt/FCF 1.89
Altman-Z N/A
ROIC/WACCN/A
WACC14.21%
COF Yearly LT Debt VS Equity VS FCFCOF Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B 80B 100B

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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B 10B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. COF Growth Analysis

3.1 Past

  • COF shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 38.71%, which is quite impressive.
  • Measured over the past years, COF shows a very strong growth in Earnings Per Share. The EPS has been growing by 30.56% on average per year.
  • COF shows a strong growth in Revenue. In the last year, the Revenue has grown by 36.62%.
  • The Revenue has been growing by 13.38% on average over the past years. This is quite good.
EPS 1Y (TTM)38.71%
EPS 3Y3.21%
EPS 5Y30.56%
EPS Q2Q%24.92%
Revenue 1Y (TTM)36.62%
Revenue growth 3Y15.98%
Revenue growth 5Y13.38%
Sales Q2Q%52.92%

3.2 Future

  • The Earnings Per Share is expected to grow by 4.01% on average over the next years.
  • COF is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.26% yearly.
EPS Next Y6.16%
EPS Next 2Y13.42%
EPS Next 3Y13.51%
EPS Next 5Y4.01%
Revenue Next Year19.24%
Revenue Next 2Y11.88%
Revenue Next 3Y9.75%
Revenue Next 5Y7.26%

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less 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 decreasing.
COF Yearly Revenue VS EstimatesCOF Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 20B 40B 60B
COF Yearly EPS VS EstimatesCOF Yearly EPS VS EstimatesYearly EPS VS Estimates 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. COF Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 9.17, the valuation of COF can be described as very reasonable.
  • COF's Price/Earnings is on the same level as the industry average.
  • The average S&P500 Price/Earnings ratio is at 25.23. COF is valued rather cheaply when compared to this.
  • With a Price/Forward Earnings ratio of 8.63, the valuation of COF can be described as very reasonable.
  • The rest of the industry has a similar Price/Forward Earnings ratio as COF.
  • COF's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.51.
Industry RankSector Rank
PE 9.17
Fwd PE 8.63
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

  • 64.81% of the companies in the same industry are more expensive than COF, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 4.22
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 PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
  • COF's earnings are expected to grow with 13.51% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.49
PEG (5Y)0.3
EPS Next 2Y13.42%
EPS Next 3Y13.51%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. COF Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 6.52%, COF is a good candidate for dividend investing.
  • In the last 3 months the price of COF has falen by -26.95%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
  • COF's Dividend Yield is a higher than the industry average which is at 3.36.
  • Compared to an average S&P500 Dividend Yield of 1.90, COF pays a better dividend.
Industry RankSector Rank
Dividend Yield 6.52%

5.2 History

  • The dividend of COF is nicely growing with an annual growth rate of 16.80%!
  • 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)16.8%
Div Incr Years0
Div Non Decr Years2
COF Yearly Dividends per shareCOF Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5 2 2.5

5.3 Sustainability

  • COF pays out 82.81% of its income as dividend. This is not a sustainable payout ratio.
  • COF's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP82.81%
EPS Next 2Y13.42%
EPS Next 3Y13.51%
COF Yearly Income VS Free CF VS DividendCOF Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B 20B 25B
COF Dividend Payout.COF Dividend Payout, showing the Payout Ratio.COF Dividend Payout.PayoutRetained Earnings

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COF Fundamentals: All Metrics, Ratios and Statistics

CAPITAL ONE FINANCIAL CORP

NYSE:COF (3/27/2026, 1:02:00 PM)

177.36

-4.76 (-2.61%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)01-22
Earnings (Next)04-20
Inst Owners88.18%
Inst Owner Change0.85%
Ins Owners0.76%
Ins Owner Change-0.27%
Market Cap110.31B
Revenue(TTM)53.43B
Net Income(TTM)2.13B
Analysts81.43
Price Target282.45 (59.25%)
Short Float %1.44%
Short Ratio1.49
Dividend
Industry RankSector Rank
Dividend Yield 6.52%
Yearly Dividend3.51
Dividend Growth(5Y)16.8%
DP82.81%
Div Incr Years0
Div Non Decr Years2
Ex-Date02-19
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)13.92%
Min EPS beat(2)-7.1%
Max EPS beat(2)34.94%
EPS beat(4)3
Avg EPS beat(4)20.66%
Min EPS beat(4)-7.1%
Max EPS beat(4)45.98%
EPS beat(8)5
Avg EPS beat(8)12.57%
EPS beat(12)7
Avg EPS beat(12)7.21%
EPS beat(16)8
Avg EPS beat(16)2.53%
Revenue beat(2)1
Avg Revenue beat(2)0.27%
Min Revenue beat(2)-0.34%
Max Revenue beat(2)0.88%
Revenue beat(4)1
Avg Revenue beat(4)-0.88%
Min Revenue beat(4)-2.6%
Max Revenue beat(4)0.88%
Revenue beat(8)2
Avg Revenue beat(8)-0.78%
Revenue beat(12)3
Avg Revenue beat(12)-0.89%
Revenue beat(16)5
Avg Revenue beat(16)-0.69%
PT rev (1m)0%
PT rev (3m)6.44%
EPS NQ rev (1m)0.45%
EPS NQ rev (3m)-1.12%
EPS NY rev (1m)0.24%
EPS NY rev (3m)-2.45%
Revenue NQ rev (1m)0.15%
Revenue NQ rev (3m)0.42%
Revenue NY rev (1m)0.07%
Revenue NY rev (3m)0.76%
Valuation
Industry RankSector Rank
PE 9.17
Fwd PE 8.63
P/S 2.06
P/FCF 4.22
P/OCF 3.98
P/B 0.97
P/tB 1.62
EV/EBITDA N/A
EPS(TTM)19.35
EY10.91%
EPS(NY)20.54
Fwd EY11.58%
FCF(TTM)42.03
FCFY23.7%
OCF(TTM)44.57
OCFY25.13%
SpS85.92
BVpS182.68
TBVpS109.7
PEG (NY)1.49
PEG (5Y)0.3
Graham Number282.02
Profitability
Industry RankSector Rank
ROA 0.32%
ROE 1.88%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 4%
GM N/A
FCFM 48.92%
ROA(3y)0.73%
ROA(5y)1.3%
ROE(3y)5.71%
ROE(5y)10.02%
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-41.67%
PM growth 5Y-13.29%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.08
Health
Industry RankSector Rank
Debt/Equity 0.44
Debt/FCF 1.89
Debt/EBITDA N/A
Cap/Depr 30%
Cap/Sales 2.95%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 1224.36%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC14.21%
ROIC/WACCN/A
Cap/Depr(3y)32.33%
Cap/Depr(5y)29.23%
Cap/Sales(3y)2.88%
Cap/Sales(5y)2.73%
Profit Quality(3y)669.35%
Profit Quality(5y)457.57%
High Growth Momentum
Growth
EPS 1Y (TTM)38.71%
EPS 3Y3.21%
EPS 5Y30.56%
EPS Q2Q%24.92%
EPS Next Y6.16%
EPS Next 2Y13.42%
EPS Next 3Y13.51%
EPS Next 5Y4.01%
Revenue 1Y (TTM)36.62%
Revenue growth 3Y15.98%
Revenue growth 5Y13.38%
Sales Q2Q%52.92%
Revenue Next Year19.24%
Revenue Next 2Y11.88%
Revenue Next 3Y9.75%
Revenue Next 5Y7.26%
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 1Y54.17%
FCF growth 3Y26.63%
FCF growth 5Y10.33%
OCF growth 1Y52.64%
OCF growth 3Y26.14%
OCF growth 5Y10.67%

CAPITAL ONE FINANCIAL CORP / COF Fundamental Analysis FAQ

What is the ChartMill fundamental rating of CAPITAL ONE FINANCIAL CORP (COF) stock?

ChartMill assigns a fundamental rating of 4 / 10 to COF.


Can you provide the valuation status for CAPITAL ONE FINANCIAL CORP?

ChartMill assigns a valuation rating of 5 / 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 financial health of CAPITAL ONE FINANCIAL CORP (COF) stock?

The financial health rating of CAPITAL ONE FINANCIAL CORP (COF) is 3 / 10.


How sustainable is the dividend of CAPITAL ONE FINANCIAL CORP (COF) stock?

The dividend rating of CAPITAL ONE FINANCIAL CORP (COF) is 6 / 10 and the dividend payout ratio is 82.81%.