(COF) Capital One Financial - Overview
Sector: Financial Services | Industry: Credit Services | Exchange: NYSE (USA) | Market Cap: 116.947m USD | Total Return: -2.2% in 12m
Avg Turnover: 841M
EPS Trend: 91.6%
Qual. Beats: 0
Rev. Trend: 95.5%
Qual. Beats: 0
Warnings
Share dilution 62.3% YoY
Below Avwap Earnings
Tailwinds
No distinct edge detected
Capital One Financial Corporation (COF) is a financial services holding company headquartered in McLean, Virginia. Operating through Credit Card, Consumer Banking, and Commercial Banking segments, the firm provides diverse lending and deposit products across the United States, Canada, and the United Kingdom. Its distribution model utilizes a mix of digital platforms, traditional branches, and specialized Capital One Cafés to serve retail and commercial clients.
As a major player in the Consumer Finance sub-industry, Capital One relies heavily on net interest income and interchange fees generated from its extensive credit card portfolio. Unlike traditional regional banks, the company’s business model is characterized by high-volume data analytics used to price risk in the subprime and near-prime credit markets. For a deeper look into these risk metrics, you may find further insights on ValueRay.
- Net interest margin fluctuations driven by Federal Reserve monetary policy shifts
- Credit card delinquency rates and provision for loan losses impact profitability
- Proposed acquisition of Discover Financial Services faces significant antitrust regulatory scrutiny
- Consumer credit demand and spending volume influence interchange and interest income
- Auto loan portfolio performance sensitive to used vehicle pricing and employment data
| Net Income: 3.22b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.04 > 0.02 and ΔFCF/TA 0.48 > 1.0 |
| NWC/Revenue: -419.7% < 20% (prev -577.0%; Δ 157.3% < -1%) |
| CFO/TA 0.04 > 3% & CFO 29.1b > Net Income 3.22b |
| Net Debt (-117b) to EBITDA (9.21b): -12.69 < 3 |
| Current Ratio: 0.36 > 1.5 & < 3 |
| Outstanding Shares: last quarter (623.4m) vs 12m ago 62.34% < -2% |
| Gross Margin: 48.31% > 18% (prev 0.52%; Δ 4.78k% > 0.5%) |
| Asset Turnover: 12.78% > 50% (prev 11.00%; Δ 1.78% > 0%) |
| Interest Coverage Ratio: 0.20 > 6 (EBITDA TTM 9.21b / Interest Expense TTM 16.5b) |
| A: -0.46 (Total Current Assets 175b - Total Current Liabilities 491b) / Total Assets 683b |
| B: 0.10 (Retained Earnings 66.8b / Total Assets 683b) |
| C: 0.01 (EBIT TTM 3.25b / Avg Total Assets 588b) |
| D: 0.11 (Book Value of Equity 60.9b / Total Liabilities 571b) |
| Altman-Z'' = -2.56 = D |
| DSRI: 0.96 (Receivables 3.46b/2.60b, Revenue 75.2b/54.3b) |
| GMI: 1.08 (GM 48.31% / 52.20%) |
| AQI: 0.84 (AQ_t 0.74 / AQ_t-1 0.88) |
| SGI: 1.38 (Revenue 75.2b / 54.3b) |
| TATA: -0.04 (NI 3.22b - CFO 29.1b) / TA 683b) |
| Beneish M = -2.84 (Cap -4..+1) = A |
As of June 02, 2026, the stock is trading at USD 184.56 with a total of 4,247,249 shares traded.
Over the past week, the price has changed by -1.72%,
over one month by -3.42%,
over three months by -4.61% and
over the past year by -2.18%.
Capital One Financial has received a consensus analysts rating of 4.43. Therefore, it is recommended to buy COF.
- StrongBuy: 14
- Buy: 5
- Hold: 4
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 255.2 | 38.3% |
P/E Trailing = 57.8246
P/E Forward = 9.5147
P/S = 3.2207
P/B = 1.0417
P/EG = 0.2008
Revenue TTM = 75.2b USD
EBIT TTM = 3.25b USD
EBITDA TTM = 9.21b USD
Long Term Debt = 51.3b USD (from longTermDebt, last quarter)
Short Term Debt = 626.0m USD (from shortTermDebt, last quarter)
Debt = 51.9b USD (corrected: LT Debt 51.3b + ST Debt 626.0m) + Leases 22.0m
Net Debt = -117b USD (calculated: Debt 51.9b - CCE 169b)
Enterprise Value = 49.5m USD (117b + Debt 51.9b - CCE 169b)
Interest Coverage Ratio = 0.20 (Ebit TTM 3.25b / Interest Expense TTM 16.5b)
EV/FCF = 0.00x (Enterprise Value 49.5m / FCF TTM 28.9b)
FCF Yield = 58.3k% (FCF TTM 28.9b / Enterprise Value 49.5m)
FCF Margin = 38.41% (FCF TTM 28.9b / Revenue TTM 75.2b)
Net Margin = 4.29% (Net Income TTM 3.22b / Revenue TTM 75.2b)
Gross Margin = 48.31% ((Revenue TTM 75.2b - Cost of Revenue TTM 38.9b) / Revenue TTM)
Gross Margin QoQ = 57.79% (prev 57.36%)
Tobins Q-Ratio = 0.00 (Enterprise Value 49.5m / Total Assets 683b)
Interest Expense / Debt = 31.78% (Interest Expense 16.5b / Debt 51.9b)
Taxrate = 19.19% (518.0m / 2.70b)
NOPAT = 2.63b (EBIT 3.25b * (1 - 19.19%))
Current Ratio = 0.36 (Total Current Assets 175b / Total Current Liabilities 491b)
Debt / Equity = 0.46 (Debt 51.9b / totalStockholderEquity, last quarter 112b)
Debt / EBITDA = -12.69 (Net Debt -117b / EBITDA 9.21b)
Debt / FCF = -4.05 (Net Debt -117b / FCF TTM 28.9b)
Total Stockholder Equity = 113b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.55% (Net Income 3.22b / Total Assets 683b)
RoE = 2.86% (Net Income TTM 3.22b / Total Stockholder Equity 113b)
RoCE = 1.98% (EBIT 3.25b / Capital Employed (Equity 113b + L.T.Debt 51.3b))
RoIC = 1.36% (NOPAT 2.63b / Invested Capital 193b)
WACC = 15.51% (E(117b)/V(169b) * Re(10.99%) + D(51.9b)/V(169b) * Rd(31.78%) * (1-Tc(0.19)))
Discount Rate = 10.99% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 71.91 | Cagr: 24.20%
[DCF] Terminal Value 58.30% ; FCFF base≈24.7b ; Y1≈28.3b ; Y5≈41.7b
[DCF] Fair Price = 628.5 (EV 274b - Net Debt -117b = Equity 391b / Shares 622.3m; r=15.51% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 91.57 | EPS CAGR: 18.31% | SUE: -0.20 | # QB: 0
Revenue Correlation: 95.50 | Revenue CAGR: 18.15% | SUE: 0.74 | # QB: 0
EPS current Quarter (2026-06-30): EPS=4.76 | Chg30d=-1.49% | Revisions=-29% | Analysts=15
EPS next Quarter (2026-09-30): EPS=5.47 | Chg30d=-1.51% | Revisions=+0% | Analysts=14
EPS current Year (2026-12-31): EPS=19.70 | Chg30d=-0.64% | Revisions=-43% | GrowthEPS=+0.5% | GrowthRev=+19.2%
EPS next Year (2027-12-31): EPS=24.29 | Chg30d=+0.32% | Revisions=-33% | GrowthEPS=+23.3% | GrowthRev=+5.6%
[Analyst] Revisions Ratio: -43%