(COF) Capital One Financial - Ratings and Ratios
Credit Cards, Auto Loans, Checking, Savings, Commercial Loans
Dividends
| Dividend Yield | 1.09% |
| Yield on Cost 5y | 3.15% |
| Yield CAGR 5y | 24.47% |
| Payout Consistency | 85.6% |
| Payout Ratio | 14.0% |
| Risk via 5d forecast | |
|---|---|
| Volatility | 27.4% |
| Value at Risk 5%th | 42.4% |
| Relative Tail Risk | -6.11% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.78 |
| Alpha | 11.77 |
| CAGR/Max DD | 1.39 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.448 |
| Beta | 1.460 |
| Beta Downside | 1.575 |
| Drawdowns 3y | |
|---|---|
| Max DD | 29.49% |
| Mean DD | 7.53% |
| Median DD | 5.28% |
Description: COF Capital One Financial December 02, 2025
Capital One Financial Corp. (NYSE:COF) is a diversified financial-services holding company that operates through three primary segments-Credit Card, Consumer Banking, and Commercial Banking-serving individuals, small-business owners, and large corporate clients across the U.S., Canada, and the U.K.
The firm’s product suite includes checking, savings, money-market, and time-deposit accounts; a broad range of loan products such as credit-card balances, auto and retail loans, and commercial real-estate financing; and card-issuing services (both credit and debit). Distribution is a mix of digital platforms, physical branches, and “Capital One Cafés” in key states including New York, Texas, and California. The company was founded in 1988 and is headquartered in McLean, Virginia.
Recent data (Q3 2024) show COF’s credit-card portfolio grew ~5 % YoY, while its net interest margin slipped to 2.3 % amid a rising-rate environment-both metrics that are highly sensitive to Fed policy and consumer-credit health. The consumer-finance sector is currently driven by the pace of interest-rate hikes, inflation trends, and the lagging recovery of discretionary spending, all of which directly affect Capital One’s loan-loss provisions and fee income.
For a deeper quantitative dive, you might explore ValueRay’s COF analytics to see how these drivers translate into valuation scenarios.
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 -1.31pp (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 (6.11b) ratio: -0.62 <= 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 0.11 (EBITDA TTM 6.11b / Interest Expense TTM 15.22b) >= 6 (WARN >= 3) |
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 (Balance) 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 |
| Total Rating: -3.64 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 61.18
| 1. Piotroski 3.0pt |
| 2. FCF Yield 14.06% |
| 3. FCF Margin 32.91% |
| 4. Debt/Equity 0.45 |
| 5. Debt/Ebitda -0.62 |
| 6. ROIC - WACC (= -9.19)% |
| 7. RoE 1.62% |
| 8. Rev. Trend 94.42% |
| 9. EPS Trend 0.92% |
What is the price of COF shares?
Over the past week, the price has changed by +3.16%, over one month by +13.08%, over three months by +5.41% and over the past year by +30.14%.
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 | 260.6 | 9.6% |
| Analysts Target Price | 260.6 | 9.6% |
| ValueRay Target Price | 292 | 22.7% |
COF Fundamental Data Overview December 12, 2025
P/E Trailing = 81.1468
P/E Forward = 10.9051
P/S = 5.2639
P/B = 1.2893
P/EG = 0.6233
Beta = 1.166
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 = 148.25b USD (152.05b + Debt 51.48b - CCE 55.28b)
Interest Coverage Ratio = 0.11 (Ebit TTM 1.64b / Interest Expense TTM 15.22b)
FCF Yield = 14.06% (FCF TTM 20.84b / Enterprise Value 148.25b)
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 = 0.22 (Enterprise Value 148.25b / 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 = 0.21% (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 = 10.08% (E(152.05b)/V(203.53b) * Re(11.40%) + D(51.48b)/V(203.53b) * Rd(8.47%) * (1-Tc(0.27)))
Discount Rate = 11.40% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 29.25%
[DCF Debug] Terminal Value 69.52% ; FCFE base≈21.19b ; Y1≈24.26b ; Y5≈33.76b
Fair Price DCF = 546.0 (DCF Value 347.13b / Shares Outstanding 635.7m; 5y FCF grow 16.98% → 3.0% )
EPS Correlation: 0.92 | EPS CAGR: 2.57% | SUE: 2.07 | # QB: 2
Revenue Correlation: 94.42 | Revenue CAGR: 26.70% | SUE: 0.98 | # QB: 1
EPS next Quarter (2026-03-31): EPS=4.83 | Chg30d=+0.027 | Revisions Net=+3 | Analysts=14
EPS next Year (2026-12-31): EPS=20.84 | Chg30d=-0.039 | Revisions Net=-2 | Growth EPS=+5.2% | Growth Revenue=+18.1%
Additional Sources for COF Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle