(COF) Capital One Financial - Ratings and Ratios
Credit Cards, Savings, Checking, Auto Loans, Commercial Loans
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 1.30% |
| Yield on Cost 5y | 2.73% |
| Yield CAGR 5y | 0.00% |
| Payout Consistency | 88.6% |
| Payout Ratio | - |
| Risk via 5d forecast | |
|---|---|
| Volatility | 49.1% |
| Value at Risk 5%th | 75.3% |
| Relative Tail Risk | -6.67% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.30 |
| Alpha | -13.05 |
| CAGR/Max DD | 0.83 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.560 |
| Beta | 1.459 |
| Beta Downside | 1.608 |
| Drawdowns 3y | |
|---|---|
| Max DD | 29.49% |
| Mean DD | 7.69% |
| Median DD | 5.60% |
Description: COF Capital One Financial January 27, 2026
Capital One Financial Corp. (COF) is a diversified financial-services holding company that operates the Capital One, National Association. It serves consumers, small-businesses, and large commercial clients across the United States, Canada, and the United Kingdom through three business segments-Credit Card, Consumer Banking, and Commercial Banking-offering checking, savings, and time-deposit accounts, a broad suite of loan products, and card-issuing, treasury-management, and advisory services.
As of the most recent Q4 2023 earnings release, Capital One reported a net interest margin of 3.21% (down 4 bps YoY) and a credit-card spend growth of 7.5% YoY, reflecting higher consumer discretionary spending despite a tightening monetary environment. The companys loan portfolio grew 5.2% YoY to $152 billion, with commercial real-estate loans up 9%-a sector that is sensitive to rising interest rates and potential credit-quality stress. Macro-level drivers include the Federal Reserve’s policy rate at 5.25-5.50%, which compresses net interest margins but also supports higher credit-card balances, and a consumer-credit delinquency rate that has risen to 3.4% (the highest since 2020), indicating elevated credit-risk exposure.
For a deeper, data-rich analysis of Capital One’s valuation dynamics and scenario modeling, you may find additional insights on ValueRay.
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income: 1.42b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.03 > 0.02 and ΔFCF/TA -1.31 > 1.0 |
| NWC/Revenue: -649.6% < 20% (prev -561.0%; Δ -88.65% < -1%) |
| CFO/TA 0.03 > 3% & CFO 22.34b > Net Income 1.42b |
| Net Debt (-3.80b) to EBITDA (6.11b): -0.62 < 3 |
| Current Ratio: 0.12 > 1.5 & < 3 |
| Outstanding Shares: last quarter (639.5m) vs 12m ago 66.67% < -2% |
| Gross Margin: 45.74% > 18% (prev 0.50%; Δ 4524 % > 0.5%) |
| Asset Turnover: 11.03% > 50% (prev 10.95%; Δ 0.08% > 0%) |
| Interest Coverage Ratio: 0.11 > 6 (EBITDA TTM 6.11b / Interest Expense TTM 15.22b) |
Altman Z'' -3.64
| A: -0.62 (Total Current Assets 58.73b - Total Current Liabilities 470.23b) / Total Assets 661.88b |
| B: 0.10 (Retained Earnings 63.62b / Total Assets 661.88b) |
| C: 0.00 (EBIT TTM 1.64b / Avg Total Assets 574.15b) |
| D: 0.11 (Book Value of Equity 57.71b / Total Liabilities 548.06b) |
| Altman-Z'' Score: -3.64 = D |
Beneish M -2.72
| DSRI: 1.13 (Receivables 3.46b/2.58b, Revenue 63.34b/53.26b) |
| GMI: 1.09 (GM 45.74% / 49.75%) |
| AQI: 1.03 (AQ_t 0.90 / AQ_t-1 0.88) |
| SGI: 1.19 (Revenue 63.34b / 53.26b) |
| TATA: -0.03 (NI 1.42b - CFO 22.34b) / TA 661.88b) |
| Beneish M-Score: -2.72 (Cap -4..+1) = A |
ValueRay F-Score (Strict, 0-100) 62.26
| 1. Piotroski: 4.0pt |
| 2. FCF Yield: 15.86% |
| 3. FCF Margin: 32.91% |
| 4. Debt/Equity: 0.45 |
| 5. Debt/Ebitda: -0.62 |
| 6. ROIC - WACC: -9.02% |
| 7. RoE: 1.62% |
| 8. Revenue Trend: 93.26% |
| 9. EPS Trend: data missing |
What is the price of COF shares?
Over the past week, the price has changed by -5.08%, over one month by -11.65%, over three months by -2.49% and over the past year by +8.58%.
Is COF a buy, sell or hold?
- StrongBuy: 11
- Buy: 4
- Hold: 7
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the COF price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 277.6 | 27.9% |
| Analysts Target Price | 277.6 | 27.9% |
| ValueRay Target Price | 244.8 | 12.7% |
COF Fundamental Data Overview January 25, 2026
P/E Forward = 10.846
P/S = 4.8109
P/B = 1.3153
P/EG = 0.5266
Revenue TTM = 63.34b USD
EBIT TTM = 1.64b USD
EBITDA TTM = 6.11b USD
Long Term Debt = 50.84b USD (from longTermDebt, last quarter)
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 = 131.41b USD (138.97b + Debt 51.48b - CCE 59.04b)
Interest Coverage Ratio = 0.11 (Ebit TTM 1.64b / Interest Expense TTM 15.22b)
EV/FCF = 6.30x (Enterprise Value 131.41b / FCF TTM 20.84b)
FCF Yield = 15.86% (FCF TTM 20.84b / Enterprise Value 131.41b)
FCF Margin = 32.91% (FCF TTM 20.84b / 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 = 0.20 (Enterprise Value 131.41b / Total Assets 661.88b)
Interest Expense / Debt = 8.47% (Interest Expense 4.36b / Debt 51.48b)
Taxrate = 27.13% (1.19b / 4.38b)
NOPAT = 1.20b (EBIT 1.64b * (1 - 27.13%))
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 = -0.62 (Net Debt -3.80b / EBITDA 6.11b)
Debt / FCF = -0.18 (Net Debt -3.80b / FCF TTM 20.84b)
Total Stockholder Equity = 87.27b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.25% (Net Income 1.42b / Total Assets 661.88b)
RoE = 1.62% (Net Income TTM 1.42b / Total Stockholder Equity 87.27b)
RoCE = 1.19% (EBIT 1.64b / Capital Employed (Equity 87.27b + L.T.Debt 50.84b))
RoIC = 0.89% (NOPAT 1.20b / Invested Capital 134.51b)
WACC = 9.91% (E(138.97b)/V(190.45b) * Re(11.29%) + D(51.48b)/V(190.45b) * Rd(8.47%) * (1-Tc(0.27)))
Discount Rate = 11.29% (= CAPM, Blume Beta Adj.)
Fair Price DCF = unknown (Cash Flow 20.84b)
Revenue Correlation: 93.26 | Revenue CAGR: 28.61% | SUE: N/A | # QB: 0
Additional Sources for COF Stock
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