COF

Capital One Financial Corporation

Fundamental data last updated:August 10, 2026

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company profile

SECTOR

Financial Services

industry

Financial - Credit Services

Exchange

NYSE

County of HQ

US

Next Earnings Date

Pending Announcement

Business Summary

Capital One Financial Corporation, identified by its ticker COF, operates as a prominent financial services holding company. It oversees essential subsidiaries such as Capital One Bank (USA), National Association, and Capital One, National Association, which collectively offer a broad spectrum of financial products and services throughout the United States, Canada, and the United Kingdom. The company structures its extensive operations into three core divisions: Credit Card, Consumer Banking, and Commercial Banking. Clients can utilize various deposit instruments, including checking accounts, money market accounts, negotiable order of withdrawal (NOW) accounts, savings accounts, and time deposits. Capital One's lending solutions are equally comprehensive, encompassing credit card financing, personal auto and retail banking loans, as well as significant commercial and multifamily real estate loans, and broader commercial and industrial credit facilities. Furthermore, the corporation provides credit and debit card issuance, robust online direct banking capabilities, and specialized treasury management and custodial services. Capital One serves a diverse clientele that includes individual consumers, small enterprises, and large commercial entities. It reaches these customers through a multi-channel approach, leveraging digital platforms, traditional physical branches, innovative café locations, and other distribution points, particularly within key states like New York, Louisiana, Texas, Maryland, Virginia, New Jersey, and California. Established in 1988, Capital One Financial Corporation maintains its primary executive offices in McLean, Virginia.

 


VALUATION

P/E

39.88

Market Cap ($M USD)

$127.21B

Forward P/E

5.27

PEG

0.01

PRICE TO SALES

1.69

PRICE TO BOOK

1.15

EV / EBITDA

11.00

5-Year Average P/E

Free Cash Flow Yield

22.69%

DCF Value

$604.50

Graham Number

$144.94

Price to FCF

4.41

EV to FCF

3.51

Earnings Yield

2.51%

FCF Yield

22.69%

DIVIDEND

Yield

1.45%

Annual Payout

$3.00

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

$77.02B

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

-0.16

Return on Invested Capital (ROIC)

1.69%

Current Ratio

0.36

Quick Ratio

0.36

Net Debt to EBITDA

-2.82

Interest Coverage

0.20

Gross Profit margin

48.31%

FCF PER SHARE

$46.38

REVENUE PER SHARE

$120.75

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

$259.20

Institutional Ownership %

1-Year Beta

1.02

Insider Buying % (6 Mo)

Distance to 52-Week High

25.73%

Distance to 52-Week Low

15.62%

EARNINGS SURPRISE %

-1.78%

50-DAY SMA

$190.99

200-DAY SMA

$208.61

⚠️ 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.