(COF) Capital One Financial - Ratings and Ratios
Credit Cards, Checking, Savings, Auto Loans, Business Loans
COF EPS (Earnings per Share)
COF Revenue
| Risk via 10d forecast | |
|---|---|
| Volatility | 29.4% |
| Value at Risk 5%th | 45.2% |
| Reward | |
|---|---|
| Sharpe Ratio | 0.58 |
| Alpha | -2.18 |
| Character | |
|---|---|
| Hurst Exponent | 0.552 |
| Beta | 1.182 |
| Drawdowns 3y | |
|---|---|
| Max DD | 29.49% |
| Mean DD | 8.16% |
Description: COF Capital One Financial September 25, 2025
Capital One Financial Corporation (NYSE: COF) is a diversified financial-services holding company that operates the Capital One, National Association. It delivers a broad suite of products-including checking, savings, money-market, and time deposits; credit-card, auto, retail, commercial, and multifamily-real-estate loans; as well as credit and debit cards, online direct-banking, advisory, capital-markets, treasury-management, and depository services-across the United States, Canada, and the United Kingdom.
The firm is organized into three reporting segments: Credit Card, Consumer Banking, and Commercial Banking. The Credit Card segment remains the primary earnings driver, contributing roughly 55 % of total net revenue in 2023, while Consumer Banking (≈30 %) and Commercial Banking (≈15 %) provide diversification and cross-selling opportunities.
Key recent performance indicators (Q2 2024) include a net interest margin of 3.1 % (up 10 bps YoY), a credit-card purchase-volume growth of 7 % year-over-year, and a loan-loss provision ratio of 1.2 % of total loans, reflecting modest credit-quality pressure amid a high-rate environment. The company’s return on equity (ROE) stood at 13.4 % in Q2 2024, above the sector median of 11.8 %.
Macro-level drivers that materially affect Capital One’s outlook are (1) the Federal Reserve’s policy rate trajectory, which influences both net interest income and credit-card carry-forward balances; (2) consumer discretionary spending trends, especially in travel and e-commerce, that feed credit-card volume growth; and (3) the accelerating shift toward digital banking channels, where Capital One’s mobile-app adoption rate (≈65 % of active customers) exceeds the industry average of 58 %.
Geographically, the firm serves consumers, small-business owners, and large commercial clients through a mix of digital platforms, physical branches, and “Capital One Cafés” located in major markets such as New York, Texas, and California, reinforcing its omnichannel strategy.
Founded in 1988 and headquartered in McLean, Virginia, Capital One’s GICS classification is Consumer Finance, and it remains one of the largest U.S. credit-card issuers by outstanding balances.
For a deeper quantitative view of Capital One’s valuation metrics, you might explore the ValueRay platform.
COF Stock Overview
| Market Cap in USD | 139,848m |
| Sub-Industry | Consumer Finance |
| IPO / Inception | 1994-11-15 |
| Return 12m vs S&P 500 | 1.80% |
| Analyst Rating | 4.18 of 5 |
COF Dividends
| Dividend Yield | 1.09% |
| Yield on Cost 5y | 3.13% |
| Yield CAGR 5y | 24.47% |
| Payout Consistency | 88.3% |
| Payout Ratio | 12.9% |
COF Growth Ratios
| CAGR | 27.79% |
| CAGR/Max DD Calmar Ratio | 0.94 |
| CAGR/Mean DD Pain Ratio | 3.40 |
| Current Volume | 2273.9k |
| Average Volume | 3402.6k |
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income (1.42b TTM) > 0 and > 6% of Revenue (6% = 3.80b TTM) |
| FCFTA 0.03 (>2.0%) and ΔFCFTA -1.14pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -649.6% (prev -561.0%; Δ -88.65pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.03 (>3.0%) and CFO 22.34b > Net Income 1.42b (YES >=105%, WARN >=100%) |
| Net Debt (-3.80b) to EBITDA (4.28b) ratio: -0.89 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.12 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (639.5m) change vs 12m ago 66.67% (target <= -2.0% for YES) |
| Gross Margin 45.74% (prev 49.75%; Δ -4.01pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 11.03% (prev 10.95%; Δ 0.08pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio -0.18 (EBITDA TTM 4.28b / Interest Expense TTM 15.22b) >= 6 (WARN >= 3) |
Altman Z'' -3.69
| (A) -0.62 = (Total Current Assets 58.73b - Total Current Liabilities 470.23b) / Total Assets 661.88b |
| (B) 0.10 = Retained Earnings (Balance) 63.62b / Total Assets 661.88b |
| (C) -0.00 = EBIT TTM -2.74b / Avg Total Assets 574.15b |
| (D) 0.11 = Book Value of Equity 57.71b / Total Liabilities 548.06b |
| Total Rating: -3.69 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 63.11
| 1. Piotroski 3.0pt = -2.0 |
| 2. FCF Yield 16.16% = 5.0 |
| 3. FCF Margin 34.70% = 7.50 |
| 4. Debt/Equity 0.45 = 2.40 |
| 5. Debt/Ebitda -0.89 = 2.50 |
| 6. ROIC - WACC (= -10.84)% = -12.50 |
| 7. RoE 1.62% = 0.14 |
| 8. Rev. Trend 88.05% = 6.60 |
| 9. EPS Trend 69.51% = 3.48 |
What is the price of COF shares?
Over the past week, the price has changed by -0.60%, over one month by +8.83%, over three months by +6.10% and over the past year by +17.26%.
Is Capital One Financial a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of COF is around 226.05 USD . This means that COF is currently overvalued and has a potential downside of 2.58%.
Is COF a buy, sell or hold?
- Strong Buy: 11
- Buy: 4
- Hold: 7
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the COF price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 260.2 | 18.1% |
| Analysts Target Price | 260.2 | 18.1% |
| ValueRay Target Price | 253.7 | 15.1% |
COF Fundamental Data Overview November 04, 2025
P/E Trailing = 75.0819
P/E Forward = 10.8578
P/S = 4.8414
P/B = 1.2322
P/EG = 0.6207
Beta = 1.182
Revenue TTM = 63.34b USD
EBIT TTM = -2.74b USD
EBITDA TTM = 4.28b USD
Long Term Debt = 44.99b USD (from longTermDebt, last fiscal year)
Short Term Debt = 616.0m USD (from shortTermDebt, last quarter)
Debt = 51.48b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -3.80b USD (from netDebt column, last quarter)
Enterprise Value = 136.05b USD (139.85b + Debt 51.48b - CCE 55.28b)
Interest Coverage Ratio = -0.18 (Ebit TTM -2.74b / Interest Expense TTM 15.22b)
FCF Yield = 16.16% (FCF TTM 21.98b / Enterprise Value 136.05b)
FCF Margin = 34.70% (FCF TTM 21.98b / Revenue TTM 63.34b)
Net Margin = 2.24% (Net Income TTM 1.42b / Revenue TTM 63.34b)
Gross Margin = 45.74% ((Revenue TTM 63.34b - Cost of Revenue TTM 34.37b) / Revenue TTM)
Gross Margin QoQ = 64.13% (prev 6.99%)
Tobins Q-Ratio = 0.21 (Enterprise Value 136.05b / Total Assets 661.88b)
Interest Expense / Debt = 8.47% (Interest Expense 4.36b / Debt 51.48b)
Taxrate = 27.13% (1.19b / 4.38b)
NOPAT = -2.00b (EBIT -2.74b * (1 - 27.13%)) [loss with tax shield]
Current Ratio = 0.12 (Total Current Assets 58.73b / Total Current Liabilities 470.23b)
Debt / Equity = 0.45 (Debt 51.48b / totalStockholderEquity, last quarter 113.81b)
Debt / EBITDA = -0.89 (Net Debt -3.80b / EBITDA 4.28b)
Debt / FCF = -0.17 (Net Debt -3.80b / FCF TTM 21.98b)
Total Stockholder Equity = 87.27b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.21% (Net Income 1.42b / Total Assets 661.88b)
RoE = 1.62% (Net Income TTM 1.42b / Total Stockholder Equity 87.27b)
RoCE = -2.07% (EBIT -2.74b / Capital Employed (Equity 87.27b + L.T.Debt 44.99b))
RoIC = -1.60% (negative operating profit) (NOPAT -2.00b / Invested Capital 124.47b)
WACC = 9.24% (E(139.85b)/V(191.33b) * Re(10.37%) + D(51.48b)/V(191.33b) * Rd(8.47%) * (1-Tc(0.27)))
Discount Rate = 10.37% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 29.25%
[DCF Debug] Terminal Value 72.59% ; FCFE base≈21.87b ; Y1≈25.04b ; Y5≈34.85b
Fair Price DCF = 644.4 (DCF Value 409.62b / Shares Outstanding 635.7m; 5y FCF grow 16.98% → 3.0% )
EPS Correlation: 69.51 | EPS CAGR: 31.19% | SUE: 2.07 | # QB: 2
Revenue Correlation: 88.05 | Revenue CAGR: 23.64% | SUE: 0.98 | # QB: 1
Additional Sources for COF Stock
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