(COF) Capital One Financial - Overview

Sector: Financial Services | Industry: Credit Services | Exchange: NYSE (USA) | Market Cap: 120.033m USD | Total Return: 23.2% in 12m

Credit Cards, Banking, Loans
Total Rating 30
Safety 26
Buy Signal 0.49
Credit Services
Industry Rotation: -0.3
Market Cap: 120B
Avg Turnover: 808M USD
ATR: 3.10%
Peers RS (IBD): 35.0
Risk 5d forecast
Volatility32.5%
Rel. Tail Risk-6.86%
Reward TTM
Sharpe Ratio0.69
Alpha-22.42
Character TTM
Beta1.468
Beta Downside2.031
Drawdowns 3y
Max DD31.47%
CAGR/Max DD0.92
EPS (Earnings per Share) EPS (Earnings per Share) of COF over the last years for every Quarter: "2021-03": 7.03, "2021-06": 7.71, "2021-09": 6.86, "2021-12": 5.41, "2022-03": 5.62, "2022-06": 4.96, "2022-09": 4.2, "2022-12": 2.82, "2023-03": 2.31, "2023-06": 3.52, "2023-09": 4.45, "2023-12": 2.24, "2024-03": 3.21, "2024-06": 3.14, "2024-09": 4.51, "2024-12": 3.09, "2025-03": 4.06, "2025-06": 5.48, "2025-09": 5.95, "2025-12": 3.86,
EPS CAGR: -9.53%
EPS Trend: 14.1%
Last SUE: -0.34
Qual. Beats: 0
Revenue Revenue of COF over the last years for every Quarter: 2021-03: 7552, 2021-06: 7770, 2021-09: 8212, 2021-12: 8118, 2022-03: 8173, 2022-06: 8232, 2022-09: 8805, 2022-12: 11001, 2023-03: 11471, 2023-06: 12065, 2023-09: 12816, 2023-12: 13132, 2024-03: 13091, 2024-06: 13240, 2024-09: 13798, 2024-12: 13809, 2025-03: 13405, 2025-06: 16410, 2025-09: 19718, 2025-12: 19719,
Rev. CAGR: 26.47%
Rev. Trend: 94.5%
Last SUE: 3.42
Qual. Beats: 2

Warnings

Share dilution 64.6% YoY - potential capital distress

Tailwinds

No distinct edge detected

Description: COF Capital One Financial

Capital One Financial Corporation (NYSE: COF) is a diversified financial-services holding company that operates through three core segments-Credit Card, Consumer Banking, and Commercial Banking-serving individuals, small businesses, and large commercial clients across the United States, Canada, and the United Kingdom.

In its most recent quarter (Q2 2024), the firm posted a net income of $2.2 billion, translating to earnings per share of $2.09, while its credit-card loan portfolio grew to $108 billion, up 4% year-over-year. The bank’s net interest margin held steady at 5.1%, and return on equity reached 13.5%, reflecting solid profitability amid a higher-rate environment.

Key sector drivers remain the Federal Reserve’s interest-rate policy-supporting net interest income-and resilient consumer credit-card spend, which rose 5% YoY as households continue to rely on revolving credit despite inflation pressures. Digital adoption also accelerates, with Capital One reporting a 12% increase in active online banking users year-to-date.

For deeper analysis, you might explore ValueRay’s detailed valuation tools.

Headlines to Watch Out For
  • Credit card loan growth drives net interest income
  • Interest rate fluctuations impact net interest margin
  • Regulatory scrutiny on consumer lending practices increases
  • Economic downturns reduce loan demand and increase defaults
  • Auto loan portfolio performance affects asset quality
Piotroski VR‑10 (Strict) 4.5
Net Income: 2.45b TTM > 0 and > 6% of Revenue
FCF/TA: 0.04 > 0.02 and ΔFCF/TA 0.68 > 1.0
NWC/Revenue: -588.9% < 20% (prev -582.7%; Δ -6.18% < -1%)
CFO/TA 0.04 > 3% & CFO 27.72b > Net Income 2.45b
Net Debt (-6.43b) to EBITDA (7.54b): -0.85 < 3
Current Ratio: 0.15 > 1.5 & < 3
Outstanding Shares: last quarter (541.3m) vs 12m ago 41.18% < -2%
Gross Margin: 47.33% > 18% (prev 0.51%; Δ 4.68k% > 0.5%)
Asset Turnover: 11.95% > 50% (prev 11.00%; Δ 0.94% > 0%)
Interest Coverage Ratio: 0.07 > 6 (EBITDA TTM 7.54b / Interest Expense TTM 30.50b)
Altman Z'' -3.54
A: -0.61 (Total Current Assets 69.86b - Total Current Liabilities 477.70b) / Total Assets 669.01b
B: 0.10 (Retained Earnings 65.19b / Total Assets 669.01b)
C: 0.00 (EBIT TTM 2.28b / Avg Total Assets 579.58b)
D: 0.11 (Book Value of Equity 59.73b / Total Liabilities 555.39b)
Altman-Z'' Score: -3.54 = D
Beneish M -2.74
DSRI: 1.07 (Receivables 3.49b/2.53b, Revenue 69.25b/53.94b)
GMI: 1.07 (GM 47.33% / 50.79%)
AQI: 1.00 (AQ_t 0.89 / AQ_t-1 0.89)
SGI: 1.28 (Revenue 69.25b / 53.94b)
TATA: -0.04 (NI 2.45b - CFO 27.72b) / TA 669.01b)
Beneish M-Score: -2.74 (Cap -4..+1) = A
What is the price of COF shares? As of April 14, 2026, the stock is trading at USD 197.55 with a total of 2,809,091 shares traded.
Over the past week, the price has changed by +7.24%, over one month by +9.88%, over three months by -14.31% and over the past year by +23.21%.
Is COF a buy, sell or hold? Capital One Financial has received a consensus analysts rating of 4.18. Therefore, it is recommended to buy COF.
  • StrongBuy: 11
  • Buy: 4
  • Hold: 7
  • Sell: 0
  • StrongSell: 0
What are the forecasts/targets for the COF price?
Analysts Target Price 261.9 32.6%
Capital One Financial (COF) - Fundamental Data Overview as of 12 April 2026
P/E Trailing = 57.4405
P/E Forward = 10.8578
P/S = 3.6619
P/B = 1.2322
P/EG = 0.6207
Revenue TTM = 69.25b USD
EBIT TTM = 2.28b USD
EBITDA TTM = 7.54b USD
Long Term Debt = 48.85b USD (from longTermDebt, last quarter)
Short Term Debt = 1.09b USD (from shortTermDebt, last quarter)
Debt = 51.00b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -6.43b USD (from netDebt column, last quarter)
Enterprise Value = 109.32b USD (120.03b + Debt 51.00b - CCE 61.71b)
Interest Coverage Ratio = 0.07 (Ebit TTM 2.28b / Interest Expense TTM 30.50b)
EV/FCF = 3.94x (Enterprise Value 109.32b / FCF TTM 27.72b)
FCF Yield = 25.35% (FCF TTM 27.72b / Enterprise Value 109.32b)
FCF Margin = 40.02% (FCF TTM 27.72b / Revenue TTM 69.25b)
Net Margin = 3.54% (Net Income TTM 2.45b / Revenue TTM 69.25b)
Gross Margin = 47.33% ((Revenue TTM 69.25b - Cost of Revenue TTM 36.47b) / Revenue TTM)
Gross Margin QoQ = 57.59% (prev 64.13%)
Tobins Q-Ratio = 0.16 (Enterprise Value 109.32b / Total Assets 669.01b)
Interest Expense / Debt = 37.06% (Interest Expense 18.90b / Debt 51.00b)
Taxrate = 16.44% (345.0m / 2.10b)
NOPAT = 1.91b (EBIT 2.28b * (1 - 16.44%))
Current Ratio = 0.15 (Total Current Assets 69.86b / Total Current Liabilities 477.70b)
Debt / Equity = 0.45 (Debt 51.00b / totalStockholderEquity, last quarter 113.62b)
Debt / EBITDA = -0.85 (Net Debt -6.43b / EBITDA 7.54b)
Debt / FCF = -0.23 (Net Debt -6.43b / FCF TTM 27.72b)
Total Stockholder Equity = 100.48b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.42% (Net Income 2.45b / Total Assets 669.01b)
RoE = 2.44% (Net Income TTM 2.45b / Total Stockholder Equity 100.48b)
RoCE = 1.53% (EBIT 2.28b / Capital Employed (Equity 100.48b + L.T.Debt 48.85b))
RoIC = 1.28% (NOPAT 1.91b / Invested Capital 149.07b)
WACC = 17.06% (E(120.03b)/V(171.03b) * Re(11.15%) + D(51.00b)/V(171.03b) * Rd(37.06%) * (1-Tc(0.16)))
Discount Rate = 11.15% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 18.85%
[DCF] Terminal Value 57.36% ; FCFF base≈23.41b ; Y1≈28.88b ; Y5≈49.28b
[DCF] Fair Price = 470.8 (EV 286.35b - Net Debt -6.43b = Equity 292.79b / Shares 621.9m; r=17.06% [WACC]; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: 14.07 | EPS CAGR: -9.53% | SUE: -0.34 | # QB: 0
Revenue Correlation: 94.48 | Revenue CAGR: 26.47% | SUE: 3.42 | # QB: 2
EPS next Quarter (2026-06-30): EPS=5.03 | Chg7d=-0.062 | Chg30d=-0.056 | Revisions Net=+3 | Analysts=15
EPS current Year (2026-12-31): EPS=20.20 | Chg7d=-0.091 | Chg30d=-0.052 | Revisions Net=+3 | Growth EPS=+3.0% | Growth Revenue=+19.5%
EPS next Year (2027-12-31): EPS=24.55 | Chg7d=+0.104 | Chg30d=+0.092 | Revisions Net=+1 | Growth EPS=+21.5% | Growth Revenue=+5.6%
[Analyst] Revisions Ratio: +1.00 (3 Up / 0 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 9.4% (Discount Rate 11.2% - Earnings Yield 1.7%)
[Growth] Growth Spread = +16.2% (Analyst 25.6% - Implied 9.4%)
External Resources
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