COF

Capital One Financial Corporation

Fundamental data last updated:May 13, 2026

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company profile

SECTOR

Financial Services

industry

Financial - Credit Services

Exchange

NYSE

County of HQ

US

Next Earnings Date

07/28/2026

Business Summary

Capital One Financial Corporation operates as the financial services holding company for the Capital One Bank (USA), National Association; and Capital One, National Association, which provides various financial products and services in the United States, Canada, and the United Kingdom. It operates through three segments: Credit Card, Consumer Banking, and Commercial Banking. The company accepts checking accounts, money market deposits, negotiable order of withdrawals, savings deposits, and time deposits. Its loan products include credit card loans; auto and retail banking loans; and commercial and multifamily real estate, and commercial and industrial loans. The company also offers credit and debit card products; online direct banking services; and treasury management and depository services. It serves consumers, small businesses, and commercial clients through digital channels, branches, cafés, and other distribution channels located in New York, Louisiana, Texas, Maryland, Virginia, New Jersey, and California. Capital One Financial Corporation was founded in 1988 and is headquartered in McLean, Virginia.

 


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VALUATION

P/E

35.52

Market Cap ($M USD)

$114.46B

Forward P/E

4.70

PEG

0.01

PRICE TO SALES

1.52

PRICE TO BOOK

1.02

EV / EBITDA

11.50

5-Year Average P/E

Free Cash Flow Yield

25.22%

DCF Value

$581.86

Graham Number

$144.94

Price to FCF

3.96

EV to FCF

3.07

Earnings Yield

2.81%

FCF Yield

25.22%

DIVIDEND

Yield

1.52%

Annual Payout

$2.80

Payout Ratio

8.32%

Consecutive Years of Dividend Growth

5-Year Dividend Growth Rate

Financial Health & Profitability

Earnings Per Share

$5.18

Next Year EPS Growth Estimate

$39.17

Next Year Revenue Growth Estimate

$7.70T

Return on Equity (ROE)

2.86%

FREE CASH FLOW

Operating Margin

4.33%

Debt-to-Equity

0.45

Piotroski F-Score

7

Altman Z-Score

-0.17

Return on Invested Capital (ROIC)

1.69%

Current Ratio

0.36

Quick Ratio

0.36

Net Debt to EBITDA

-3.37

Interest Coverage

0.20

Gross Profit margin

48.31%

FCF PER SHARE

$46.38

REVENUE PER SHARE

$120.75

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Gainseekers Quantitative Analysis

Summary

Capital One Financial Corporation appears to be a classic case of market mispricing. With a DCF value significantly higher than recent pricing, the stock seems undervalued. The Forward P/E ratio is strikingly low, suggesting the market expects substantial earnings growth, yet the Altman Z-score raises red flags about financial distress. The Earnings Yield is modest, indicating limited immediate returns. Overall, the valuation metrics suggest a disconnect between potential growth and perceived risk.

AI Exposure / Tech Reliance

In the rapidly evolving financial services sector, Capital One is well-positioned to leverage AI and tech advancements. As a credit services provider, it can integrate AI for risk assessment and customer service enhancements. This adaptability is crucial for maintaining competitive advantage in a tech-driven landscape.

The Bull Case

For value or GARP investors, Capital One offers compelling reasons to buy. The Piotroski F-Score of 7 indicates strong financial health, while the FCF Yield suggests efficient cash generation. Despite a modest ROIC, the company's operating margin reflects solid pricing power. These factors, combined with a low payout ratio, highlight its potential for capital efficiency and growth.

The Bear Case

However, the bear case is hard to ignore. The Altman Z-score signals potential financial instability, and the interest coverage ratio is alarmingly low, suggesting vulnerability to debt pressures. The stock's Price/Book ratio, while not excessive, doesn't compensate for the weak Return on Equity. Additionally, the distance from its 52-week high suggests limited upside potential without significant operational improvements.

Market Sentiment & Smart Money

Short Interest %

Analyst Consensus

Buy

Average Analyst Price Target

$267.18

Institutional Ownership %

1-Year Beta

1.05

Insider Buying % (6 Mo)

Distance to 52-Week High

41.16%

Distance to 52-Week Low

4.87%

EARNINGS SURPRISE %

-1.78%

50-DAY SMA

$189.37

200-DAY SMA

$213.65

⚠️ Financial Disclaimer:
This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate. We may earn a commission from partner links.