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CAPITAL ONE FINANCIAL CORP (COF) Stock Fundamental Analysis

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

182.73  -2.32 (-1.25%)

After market: 182.72 -0.01 (-0.01%)

Fundamental Rating

3

Overall COF gets a fundamental rating of 3 out of 10. We evaluated COF against 53 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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2

1. Profitability

1.1 Basic Checks

In the past year COF was profitable.
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.
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

Looking at the Return On Assets, with a value of 0.91%, COF is doing worse than 64.15% of the companies in the same industry.
Looking at the Return On Equity, with a value of 7.31%, COF is doing worse than 60.38% of the companies in the same industry.
Industry RankSector Rank
ROA 0.91%
ROE 7.31%
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 has a Profit Margin (11.36%) which is in line with its industry peers.
In the last couple of years the Profit Margin of COF has declined.
COF does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 11.36%
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.
The number of shares outstanding for COF has been increased compared to 1 year ago.
Compared to 5 years ago, COF has less shares outstanding
The debt/assets ratio for COF has been reduced compared to a year ago.
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

The Debt to FCF ratio of COF is 2.69, which is a good value as it means it would take COF, 2.69 years of fcf income to pay off all of its debts.
COF has a Debt to FCF ratio of 2.69. This is in the better half of the industry: COF outperforms 73.58% of its industry peers.
A Debt/Equity ratio of 0.75 indicates that COF is somewhat dependend on debt financing.
COF has a Debt to Equity ratio of 0.75. This is in the better half of the industry: COF outperforms 66.04% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.75
Debt/FCF 2.69
Altman-Z N/A
ROIC/WACCN/A
WACC15%
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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3. Growth

3.1 Past

COF shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 10.28%, which is quite good.
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 a small growth in Revenue. In the last year, the Revenue has grown by 6.50%.
COF shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.47% yearly.
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 Y13.48%
EPS Next 2Y15.38%
EPS Next 3Y15.11%
EPS Next 5Y4.97%
Revenue Next Year5.2%
Revenue Next 2Y5.06%
Revenue Next 3Y4.91%
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.
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 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

Based on the Price/Earnings ratio of 12.35, the valuation of COF can be described as correct.
The rest of the industry has a similar Price/Earnings ratio as COF.
COF's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.79.
Based on the Price/Forward Earnings ratio of 9.84, the valuation of COF can be described as reasonable.
COF's Price/Forward Earnings is on the same level as the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.38, COF is valued rather cheaply.
Industry RankSector Rank
PE 12.35
Fwd PE 9.84
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

66.04% 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 4.13
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 15.11% in the coming years.
PEG (NY)0.92
PEG (5Y)2.98
EPS Next 2Y15.38%
EPS Next 3Y15.11%

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4

5. Dividend

5.1 Amount

COF has a Yearly Dividend Yield of 1.30%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 4.52, COF has a dividend in line with its industry peers.
With a Dividend Yield of 1.30, COF pays less dividend than the S&P500 average, which is at 2.47.
Industry RankSector Rank
Dividend Yield 1.3%

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

COF pays out 26.10% of its income as dividend. This is a sustainable payout ratio.
The dividend of COF is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP26.1%
EPS Next 2Y15.38%
EPS Next 3Y15.11%
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 (4/25/2025, 8:04:00 PM)

After market: 182.72 -0.01 (-0.01%)

182.73

-2.32 (-1.25%)

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 Change-46.7%
Ins Owners1.15%
Ins Owner Change1.05%
Market Cap69.98B
Analysts80
Price Target217.17 (18.85%)
Short Float %5.7%
Short Ratio4
Dividend
Industry RankSector Rank
Dividend Yield 1.3%
Yearly Dividend3.05
Dividend Growth(5Y)6.36%
DP26.1%
Div Incr Years0
Div Non Decr Years2
Ex-Date02-18 2025-02-18 (0.6)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)13.66%
Min EPS beat(2)8.56%
Max EPS beat(2)18.76%
EPS beat(4)2
Avg EPS beat(4)4.48%
Min EPS beat(4)-5.56%
Max EPS beat(4)18.76%
EPS beat(8)4
Avg EPS beat(8)0.49%
EPS beat(12)5
Avg EPS beat(12)-3.51%
EPS beat(16)9
Avg EPS beat(16)7.07%
Revenue beat(2)1
Avg Revenue beat(2)-0.33%
Min Revenue beat(2)-1.2%
Max Revenue beat(2)0.54%
Revenue beat(4)1
Avg Revenue beat(4)-0.67%
Min Revenue beat(4)-1.66%
Max Revenue beat(4)0.54%
Revenue beat(8)2
Avg Revenue beat(8)-0.89%
Revenue beat(12)4
Avg Revenue beat(12)-0.63%
Revenue beat(16)8
Avg Revenue beat(16)0.09%
PT rev (1m)-3.49%
PT rev (3m)13%
EPS NQ rev (1m)-0.86%
EPS NQ rev (3m)-3.13%
EPS NY rev (1m)-0.37%
EPS NY rev (3m)-0.51%
Revenue NQ rev (1m)-0.46%
Revenue NQ rev (3m)0.66%
Revenue NY rev (1m)-0.28%
Revenue NY rev (3m)-0.03%
Valuation
Industry RankSector Rank
PE 12.35
Fwd PE 9.84
P/S 1.79
P/FCF 4.13
P/OCF 3.85
P/B 1.15
P/tB 1.55
EV/EBITDA N/A
EPS(TTM)14.8
EY8.1%
EPS(NY)18.57
Fwd EY10.16%
FCF(TTM)44.27
FCFY24.23%
OCF(TTM)47.42
OCFY25.95%
SpS102.13
BVpS158.72
TBVpS117.89
PEG (NY)0.92
PEG (5Y)2.98
Profitability
Industry RankSector Rank
ROA 0.91%
ROE 7.31%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 11.36%
GM N/A
FCFM 43.35%
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-Score6
Asset Turnover0.08
Health
Industry RankSector Rank
Debt/Equity 0.75
Debt/FCF 2.69
Debt/EBITDA N/A
Cap/Depr 37.19%
Cap/Sales 3.08%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 381.44%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC15%
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 Y13.48%
EPS Next 2Y15.38%
EPS Next 3Y15.11%
EPS Next 5Y4.97%
Revenue 1Y (TTM)6.5%
Revenue growth 3Y8.72%
Revenue growth 5Y6.47%
Sales Q2Q%6.36%
Revenue Next Year5.2%
Revenue Next 2Y5.06%
Revenue Next 3Y4.91%
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 1Y-13.56%
FCF growth 3Y13.45%
FCF growth 5Y1.48%
OCF growth 1Y-11.74%
OCF growth 3Y13.84%
OCF growth 5Y1.76%