(COF) Capital One Financial - Ratings and Ratios
Credit Cards, Checking, Savings, Auto Loans, Business Loans
COF EPS (Earnings per Share)
COF Revenue
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 | 143,039m |
| Sub-Industry | Consumer Finance |
| IPO / Inception | 1994-11-15 |
COF Stock Ratings
| Growth Rating | 81.5% |
| Fundamental | 47.9% |
| Dividend Rating | 58.9% |
| Return 12m vs S&P 500 | 14.6% |
| Analyst Rating | 4.18 of 5 |
COF Dividends
| Dividend Yield 12m | 1.07% |
| Yield on Cost 5y | 3.58% |
| Annual Growth 5y | 24.47% |
| Payout Consistency | 88.3% |
| Payout Ratio | 10.4% |
COF Growth Ratios
| Growth Correlation 3m | 7% |
| Growth Correlation 12m | 75.5% |
| Growth Correlation 5y | 50.5% |
| CAGR 5y | 30.88% |
| CAGR/Max DD 3y (Calmar Ratio) | 1.05 |
| CAGR/Mean DD 3y (Pain Ratio) | 3.69 |
| Sharpe Ratio 12m | 1.27 |
| Alpha | 23.78 |
| Beta | 1.182 |
| Volatility | 37.24% |
| Current Volume | 3401.7k |
| Average Volume 20d | 3401.7k |
| Stop Loss | 216.7 (-3%) |
| Signal | -0.27 |
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income (-1.70b TTM) > 0 and > 6% of Revenue (6% = 2.62b TTM) |
| FCFTA 0.04 (>2.0%) and ΔFCFTA -0.89pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -719.6% (prev -561.0%; Δ -158.7pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.04 (>3.0%) and CFO 19.64b > Net Income -1.70b (YES >=105%, WARN >=100%) |
| NO Net Debt/EBITDA fails (EBITDA <= 0) |
| Current Ratio 0.14 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (67.0m) change vs 12m ago -82.54% (target <= -2.0% for YES) |
| Gross Margin 37.50% (prev 49.75%; Δ -12.25pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 8.94% (prev 10.95%; Δ -2.00pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio -0.25 (EBITDA TTM -24.0m / Interest Expense TTM 10.91b) >= 6 (WARN >= 3) |
Altman Z'' -3.71
| (A) -0.64 = (Total Current Assets 49.62b - Total Current Liabilities 363.94b) / Total Assets 490.14b |
| (B) 0.13 = Retained Earnings (Balance) 63.62b / Total Assets 490.14b |
| (C) -0.01 = EBIT TTM -2.74b / Avg Total Assets 488.29b |
| (D) 0.11 = Book Value of Equity 57.71b / Total Liabilities 548.06b |
| Total Rating: -3.71 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 47.86
| 1. Piotroski 3.0pt = -2.0 |
| 2. FCF Yield 12.88% = 5.0 |
| 3. FCF Margin 41.72% = 7.50 |
| 4. Debt/Equity 0.40 = 2.42 |
| 5. Debt/Ebitda -96.71 = -2.50 |
| 6. ROIC - WACC (= -11.33)% = -12.50 |
| 7. RoE -1.94% = -0.32 |
| 8. Rev. Trend -42.90% = -3.22 |
| 9. EPS Trend 69.51% = 3.48 |
What is the price of COF shares?
Over the past week, the price has changed by +4.01%, over one month by -0.05%, over three months by +4.63% and over the past year by +36.79%.
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 240.50 USD . This means that COF is currently overvalued and has a potential downside of 7.61%.
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 | 260.1 | 16.4% |
| Analysts Target Price | 260.1 | 16.4% |
| ValueRay Target Price | 266.6 | 19.3% |
COF Fundamental Data Overview October 26, 2025
P/E Trailing = 75.2542
P/E Forward = 10.8578
P/S = 4.9518
P/B = 1.2322
P/EG = 0.6207
Beta = 1.182
Revenue TTM = 43.68b USD
EBIT TTM = -2.74b USD
EBITDA TTM = -24.0m USD
Long Term Debt = 44.99b USD (from longTermDebt, last fiscal year)
Short Term Debt = 562.0m USD (from shortTermDebt, last fiscal year)
Debt = 45.55b USD (from shortLongTermDebtTotal, last fiscal year)
Net Debt = 2.32b USD (from netDebt column, last fiscal year)
Enterprise Value = 141.51b USD (143.04b + Debt 45.55b - CCE 47.08b)
Interest Coverage Ratio = -0.25 (Ebit TTM -2.74b / Interest Expense TTM 10.91b)
FCF Yield = 12.88% (FCF TTM 18.22b / Enterprise Value 141.51b)
FCF Margin = 41.72% (FCF TTM 18.22b / Revenue TTM 43.68b)
Net Margin = -3.89% (Net Income TTM -1.70b / Revenue TTM 43.68b)
Gross Margin = 37.50% ((Revenue TTM 43.68b - Cost of Revenue TTM 27.30b) / Revenue TTM)
Gross Margin QoQ = 100.0% (prev 6.99%)
Tobins Q-Ratio = 0.29 (Enterprise Value 141.51b / Total Assets 490.14b)
Interest Expense / Debt = 0.12% (Interest Expense 55.0m / Debt 45.55b)
Taxrate = 173.5% (out of range, set to none) (170.0m / 98.0m)
NOPAT = unknown (EBIT/Op.Income or Taxrate missing)
Current Ratio = 0.14 (Total Current Assets 49.62b / Total Current Liabilities 363.94b)
Debt / Equity = 0.40 (Debt 45.55b / totalStockholderEquity, last quarter 113.81b)
Debt / EBITDA = -96.71 (negative EBITDA) (Net Debt 2.32b / EBITDA -24.0m)
Debt / FCF = 0.13 (Net Debt 2.32b / FCF TTM 18.22b)
Total Stockholder Equity = 87.27b (last 4 quarters mean from totalStockholderEquity)
RoA = -0.35% (Net Income -1.70b / Total Assets 490.14b)
RoE = -1.94% (Net Income TTM -1.70b / Total Stockholder Equity 87.27b)
RoCE = -2.07% (EBIT -2.74b / Capital Employed (Equity 87.27b + L.T.Debt 44.99b))
RoIC = -3.46% (negative operating profit) (EBIT -2.74b / (Assets 490.14b - Curr.Liab 363.94b - Cash 47.08b))
WACC = 7.87% (E(143.04b)/V(188.59b) * Re(10.37%) + (debt cost/tax rate unavailable))
Discount Rate = 10.37% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -58.16%
[DCF Debug] Terminal Value 72.59% ; FCFE base≈19.90b ; Y1≈22.80b ; Y5≈31.72b
Fair Price DCF = 586.5 (DCF Value 372.84b / 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: -42.90 | Revenue CAGR: -85.63% | SUE: -3.18 | # QB: 0
Additional Sources for COF Stock
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Fund Manager Positions: Dataroma | Stockcircle