(COF) Capital One Financial - Overview
Stock: Credit Cards, Savings, Checking, Auto Loans, Commercial Loans
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 1.30% |
| Yield on Cost 5y | 2.48% |
| Yield CAGR 5y | 0.00% |
| Payout Consistency | 88.6% |
| Payout Ratio | 13.4% |
| Risk 5d forecast | |
|---|---|
| Volatility | 38.5% |
| Relative Tail Risk | -7.20% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.39 |
| Alpha | -10.42 |
| Character TTM | |
|---|---|
| Beta | 1.468 |
| Beta Downside | 1.620 |
| Drawdowns 3y | |
|---|---|
| Max DD | 28.70% |
| CAGR/Max DD | 0.88 |
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) 3.0
| Net Income: 2.45b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.03 > 0.02 and ΔFCF/TA -1.31 > 1.0 |
| NWC/Revenue: -588.8% < 20% (prev -582.7%; Δ -6.03% < -1%) |
| CFO/TA 0.03 > 3% & CFO 22.34b > Net Income 2.45b |
| Net Debt (51.48b) to EBITDA (2.28b): 22.57 < 3 |
| Current Ratio: 0.13 > 1.5 & < 3 |
| Outstanding Shares: last quarter (541.3m) vs 12m ago 41.18% < -2% |
| Gross Margin: 47.33% > 18% (prev 0.51%; Δ 4683 % > 0.5%) |
| Asset Turnover: 11.95% > 50% (prev 11.00%; Δ 0.94% > 0%) |
| Interest Coverage Ratio: 0.07 > 6 (EBITDA TTM 2.28b / Interest Expense TTM 30.50b) |
Altman Z'' -3.53
| A: -0.61 (Total Current Assets 62.49b - Total Current Liabilities 470.23b) / 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: 0.12 (Book Value of Equity 65.20b / Total Liabilities 555.39b) |
| Altman-Z'' Score: -3.53 = D |
What is the price of COF shares?
Over the past week, the price has changed by +2.87%, over one month by -10.85%, over three months by +1.12% and over the past year by +12.58%.
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 | 24% |
| Analysts Target Price | 277 | 24% |
| ValueRay Target Price | 253.9 | 13.7% |
COF Fundamental Data Overview February 02, 2026
P/E Forward = 10.8578
P/S = 4.246
P/B = 1.2322
P/EG = 0.6207
Revenue TTM = 69.25b USD
EBIT TTM = 2.28b USD
EBITDA TTM = 2.28b USD
Long Term Debt = 48.85b USD (from longTermDebt, last quarter)
Short Term Debt = 616.0m USD (from shortTermDebt, two quarters ago)
Debt = 51.48b USD (from shortLongTermDebtTotal, two quarters ago)
Net Debt = 51.48b USD (using Total Debt 51.48b, CCE unavailable)
Enterprise Value = 190.66b USD (139.18b + Debt 51.48b - (null CCE))
Interest Coverage Ratio = 0.07 (Ebit TTM 2.28b / Interest Expense TTM 30.50b)
EV/FCF = 9.15x (Enterprise Value 190.66b / FCF TTM 20.84b)
FCF Yield = 10.93% (FCF TTM 20.84b / Enterprise Value 190.66b)
FCF Margin = 30.10% (FCF TTM 20.84b / 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 = 0.28 (Enterprise Value 190.66b / Total Assets 669.01b)
Interest Expense / Debt = 36.71% (Interest Expense 18.90b / Debt 51.48b)
Taxrate = 16.44% (345.0m / 2.10b)
NOPAT = 1.91b (EBIT 2.28b * (1 - 16.44%))
Current Ratio = 0.13 (Total Current Assets 62.49b / Total Current Liabilities 470.23b)
Debt / Equity = 0.45 (Debt 51.48b / totalStockholderEquity, last quarter 113.62b)
Debt / EBITDA = 22.57 (Net Debt 51.48b / EBITDA 2.28b)
Debt / FCF = 2.47 (Net Debt 51.48b / FCF TTM 20.84b)
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 = 1.32% (NOPAT 1.91b / Invested Capital 144.09b)
WACC = 16.55% (E(139.18b)/V(190.66b) * Re(11.32%) + D(51.48b)/V(190.66b) * Rd(36.71%) * (1-Tc(0.16)))
Discount Rate = 11.32% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 18.91%
[DCF Debug] Terminal Value 56.02% ; FCFF base≈21.19b ; Y1≈24.26b ; Y5≈33.68b
Fair Price DCF = 254.9 (EV 210.81b - Net Debt 51.48b = Equity 159.32b / Shares 625.1m; r=16.55% [WACC]; 5y FCF grow 16.98% → 2.90% )
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 (2026-03-31): EPS=4.75 | Chg30d=-0.009 | Revisions Net=-2 | Analysts=14
EPS current Year (2026-12-31): EPS=20.42 | Chg30d=-0.420 | Revisions Net=-5 | Growth EPS=+4.1% | Growth Revenue=+18.9%
EPS next Year (2027-12-31): EPS=25.02 | Chg30d=-0.058 | Revisions Net=-3 | Growth EPS=+22.5% | Growth Revenue=+5.4%