(COF) Capital One Financial - Ratings and Ratios
CreditCards, BankingLoans, SavingsDeposits, CheckingAccounts, CommercialLoans
COF EPS (Earnings per Share)
COF Revenue
Description: COF Capital One Financial
Capital One Financial Corporation is a financial services holding company that provides a range of financial products and services across the United States, Canada, and the United Kingdom through its three main segments: Credit Card, Consumer Banking, and Commercial Banking. The company offers a variety of deposit products, including checking and savings accounts, as well as loan products such as credit card loans, auto loans, and commercial loans.
From a business perspective, Capital One has a diversified revenue stream with a strong presence in the consumer finance industry. Key performance indicators (KPIs) to watch include the companys net interest margin, which indicates its ability to generate revenue from its lending activities, and its delinquency rates, which measure the percentage of loans that are past due. Additionally, the companys efficiency ratio, which measures its operating expenses as a percentage of its revenue, is also an important metric to monitor.
In terms of its financial health, Capital Ones capital adequacy ratio and leverage ratio are important indicators to assess its ability to absorb potential losses and meet its financial obligations. The companys return on equity (RoE) of 7.95% indicates its ability to generate profits from its shareholders equity. Furthermore, its dividend yield and payout ratio are also worth monitoring to assess its ability to return value to shareholders.
From a growth perspective, Capital Ones ability to expand its customer base, increase its loan portfolio, and improve its digital capabilities are key drivers to watch. The companys investment in technology and innovation, such as its mobile banking platform and artificial intelligence-powered customer service, are also important factors to consider when assessing its growth prospects.
COF Stock Overview
| Market Cap in USD | 141,672m |
| Sub-Industry | Consumer Finance |
| IPO / Inception | 1994-11-15 |
COF Stock Ratings
| Growth Rating | 83.3% |
| Fundamental | 58.4% |
| Dividend Rating | 54.6% |
| Return 12m vs S&P 500 | 32.8% |
| Analyst Rating | 4.18 of 5 |
COF Dividends
| Dividend Yield 12m | 1.16% |
| Yield on Cost 5y | 3.66% |
| Annual Growth 5y | 19.14% |
| Payout Consistency | 86.9% |
| Payout Ratio | 14.0% |
COF Growth Ratios
| Growth Correlation 3m | 64.9% |
| Growth Correlation 12m | 78.1% |
| Growth Correlation 5y | 50.5% |
| CAGR 5y | 34.13% |
| CAGR/Max DD 3y | 1.16 |
| CAGR/Mean DD 3y | 5.69 |
| Sharpe Ratio 12m | 1.23 |
| Alpha | 0.01 |
| Beta | 0.927 |
| Volatility | 26.69% |
| Current Volume | 2848.3k |
| Average Volume 20d | 2848.3k |
| Stop Loss | 218.8 (-3%) |
| Signal | 0.30 |
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income (4.75b TTM) > 0 and > 6% of Revenue (6% = 3.45b TTM) |
| FCFTA 0.03 (>2.0%) and ΔFCFTA -1.91pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -547.4% (prev -574.1%; Δ 26.67pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.04 (>3.0%) and CFO 24.31b > Net Income 4.75b (YES >=105%, WARN >=100%) |
| Net Debt (2.32b) to EBITDA (2.92b) ratio: 0.79 <= 3.0 (WARN <= 3.5) |
| 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 (444.7m) change vs 12m ago 15.84% (target <= -2.0% for YES) |
| Gross Margin 41.55% (prev 49.82%; Δ -8.27pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 10.08% (prev 10.89%; Δ -0.81pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio -0.04 (EBITDA TTM 2.92b / Interest Expense TTM 14.64b) >= 6 (WARN >= 3) |
Altman Z'' -2.72
| (A) -0.48 = (Total Current Assets 49.62b - Total Current Liabilities 363.94b) / Total Assets 658.97b |
| (B) 0.09 = Retained Earnings (Balance) 60.89b / Total Assets 658.97b |
| (C) -0.00 = EBIT TTM -523.0m / Avg Total Assets 569.49b |
| (D) 0.11 = Book Value of Equity 60.90b / Total Liabilities 548.01b |
| Total Rating: -2.72 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 58.43
| 1. Piotroski 3.0pt = -2.0 |
| 2. FCF Yield 13.55% = 5.0 |
| 3. FCF Margin 31.74% = 7.50 |
| 4. Debt/Equity 0.47 = 2.39 |
| 5. Debt/Ebitda 17.78 = -2.50 |
| 6. ROIC - WACC (= -8.92)% = -11.15 |
| 7. RoE 6.37% = 0.53 |
| 8. Rev. Trend 88.75% = 6.66 |
| 9. EPS Trend 40.14% = 2.01 |
What is the price of COF shares?
Over the past week, the price has changed by +0.98%, over one month by +4.35%, over three months by +16.66% and over the past year by +57.40%.
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 250.86 USD . This means that COF is currently undervalued and has a potential upside of +11.19% (Margin of Safety).
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 | 252.8 | 12% |
| Analysts Target Price | 252.8 | 12% |
| ValueRay Target Price | 279.7 | 24% |
Last update: 2025-09-08 04:35
COF Fundamental Data Overview
CCE Cash And Equivalents = 59.11b USD (Cash only, last quarter)
P/E Trailing = 632.9429
P/E Forward = 11.2613
P/S = 5.9594
P/B = 1.2768
P/EG = 0.7555
Beta = 1.171
Revenue TTM = 57.42b USD
EBIT TTM = -523.0m USD
EBITDA TTM = 2.92b USD
Long Term Debt = 51.36b USD (from longTermDebt, last quarter)
Short Term Debt = 562.0m USD (from shortTermDebt, last fiscal year)
Debt = 51.93b USD (Calculated: Short Term 562.0m + Long Term 51.36b)
Net Debt = 2.32b USD (from netDebt column, last fiscal year)
Enterprise Value = 134.49b USD (141.67b + Debt 51.93b - CCE 59.11b)
Interest Coverage Ratio = -0.04 (Ebit TTM -523.0m / Interest Expense TTM 14.64b)
FCF Yield = 13.55% (FCF TTM 18.22b / Enterprise Value 134.49b)
FCF Margin = 31.74% (FCF TTM 18.22b / Revenue TTM 57.42b)
Net Margin = 8.27% (Net Income TTM 4.75b / Revenue TTM 57.42b)
Gross Margin = 41.55% ((Revenue TTM 57.42b - Cost of Revenue TTM 33.56b) / Revenue TTM)
Tobins Q-Ratio = 2.21 (Enterprise Value 134.49b / Book Value Of Equity 60.90b)
Interest Expense / Debt = 7.38% (Interest Expense 3.83b / Debt 51.93b)
Taxrate = 19.68% (1.16b / 5.91b)
NOPAT = -523.0m (EBIT -523.0m, no tax applied on loss)
Current Ratio = 0.14 (Total Current Assets 49.62b / Total Current Liabilities 363.94b)
Debt / Equity = 0.47 (Debt 51.93b / last Quarter total Stockholder Equity 110.96b)
Debt / EBITDA = 17.78 (Net Debt 2.32b / EBITDA 2.92b)
Debt / FCF = 2.85 (Debt 51.93b / FCF TTM 18.22b)
Total Stockholder Equity = 74.55b (last 4 quarters mean)
RoA = 0.72% (Net Income 4.75b, Total Assets 658.97b )
RoE = 6.37% (Net Income TTM 4.75b / Total Stockholder Equity 74.55b)
RoCE = -0.42% (Ebit -523.0m / (Equity 74.55b + L.T.Debt 51.36b))
RoIC = -0.43% (NOPAT -523.0m / Invested Capital 121.28b)
WACC = 8.49% (E(141.67b)/V(193.60b) * Re(9.43%)) + (D(51.93b)/V(193.60b) * Rd(7.38%) * (1-Tc(0.20)))
Shares Correlation 3-Years: 9.38 | Cagr: 1.33%
Discount Rate = 9.43% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 75.54% ; FCFE base≈19.90b ; Y1≈22.80b ; Y5≈31.72b
Fair Price DCF = 670.2 (DCF Value 428.60b / Shares Outstanding 639.5m; 5y FCF grow 16.98% → 3.0% )
EPS Correlation: 40.14 | EPS CAGR: 10.16% | SUE: 3.17 | # QB: 1
Revenue Correlation: 88.75 | Revenue CAGR: 25.41% | SUE: N/A | # QB: None
Additional Sources for COF Stock
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Fund Manager Positions: Dataroma | Stockcircle