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Capital One Financial Corp (COF.PJ) stock analysis

COF.PJNYSENational Commercial BanksFiscal year ends December 31Also trades as COF, COF.PI, COF.PK, COF.PL, COF.PN
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Jul 28, 2026Score 12/30
$15.72−0.13 (-0.82%)

Close on Oct 30, 2026Market cap $125.67BP/E –Yield –

StockData Score

Prices as of Oct 30, 2026How the score works

Value2Growth2Performance1Health4Dividend3

Mixed12 of 30 checks passed

Capital One Financial passes 12 of the 30 checks behind our score; 10 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.

Valuation
2/6
Growth
2/6
Past performance
1/6
Financial health
4/6
Dividend
3/6

What stands out

  • Modest borrowings

    Borrowings other than deposits are 39.9% of equity.

  • Revenue growing 10%+ a year

    Revenue grew 16.0% a year over the last three fiscal years.

  • Covered by free cash flow

    Dividends take 6.4% of free cash flow.

  • Covered by earnings

    Dividends take 18.0% of net income.

What to watch

  • Return on equity under 15%

    Return on equity was 9.4% over the last twelve months and averaged 10.6% over five years; we look for 15% on both.

  • Earnings shrank over 5 years

    Net income shrank 2.0% a year on average over the last five fiscal years.

  • EPS growing under 10% a year

    Diluted EPS grew -39.2% a year over the last three fiscal years.

  • Return on equity below the industry

    Capital One Financial's return on equity of 9.4% is below the Commercial Banks median of 11.2%.

Valuation2/6

  • P/E against its history

    Not enough price and earnings history to compare.

  • P/E against the industry

    Needs positive earnings and enough profitable companies in the industry.

  • P/S below the industry

    Capital One Financial's price-to-sales of 2.03 is below the Commercial Banks median of 3.64.

  • P/B below the industry

    Capital One Financial's price-to-book of 1.10 is below the Commercial Banks median of 1.27.

  • Price against fair value

    We could not estimate a fair value: it needs at least two valuation methods with positive inputs.

  • Margin of safety

    Depends on the fair value estimate.

Growth2/6

  • Revenue growing 10%+ a year

    Revenue grew 16.0% a year over the last three fiscal years.

  • EPS growing under 10% a year

    Diluted EPS grew -39.2% a year over the last three fiscal years.

  • Earnings acceleration

    Needs positive net income now, a year ago and five years ago.

  • Growing faster than the industry

    Revenue grew 45.3% over the last twelve months; the Commercial Banks median is 11.4%.

  • Company guidance

    No outlook found in earnings releases from the last twelve months.

  • Gross margin trend

    Banks and insurers do not report gross profit.

Past performance1/6

  • Return on equity under 15%

    Return on equity was 9.4% over the last twelve months and averaged 10.6% over five years; we look for 15% on both.

  • Return on assets over 1%

    Return on assets was 1.6%; for a bank or insurer, 1% or more is considered good.

  • Return on equity below the industry

    Capital One Financial's return on equity of 9.4% is below the Commercial Banks median of 11.2%.

  • Earnings shrank over 5 years

    Net income shrank 2.0% a year on average over the last five fiscal years.

  • Net margin below its 5-year average

    Net margin was 17.0% over the last twelve months, against a 5-year average of 18.4%.

  • Net margin below the industry

    Capital One Financial's net margin of 17.0% is below the Commercial Banks median of 30.0%.

Financial health4/6

  • Well capitalized

    Equity is 16.9% of total assets; 8% or more is a comfortable cushion.

  • Loans funded by deposits

    Needs loans and deposits.

  • Adequate loan-loss reserve

    The allowance for credit losses is not reported.

  • Efficient operations

    Non-interest expense takes 56.6% of revenue; under 60% is efficient for a bank.

  • Deposits growing

    Deposits grew 3.4% over the past year.

  • Modest borrowings

    Borrowings other than deposits are 39.9% of equity.

Dividend3/6

  • Pays a dividend

    Capital One Financial paid dividends worth 1.6% of the share price over the last twelve months.

  • Yield below Treasuries

    The 1.6% yield is below the 4.4% on a 1-year Treasury.

  • Yield below the top quarter

    The top quarter of US dividend payers yield 4.0% or more; Capital One Financial yields 1.6%.

  • Dividend stability

    Fewer than five years of dividend history.

  • Covered by earnings

    Dividends take 18.0% of net income.

  • Covered by free cash flow

    Dividends take 6.4% of free cash flow.

Scores of similar companies

Fair value

How we estimate it

We don't publish a fair value for Capital One Financial. It needs a US-dollar share price, at least two valuation methods with positive inputs (earnings, EBITDA, book value or sales) and, for companies with several share classes, classes that trade at the same price.

Valuation over time

Using the earnings and balance sheet published at each date, not today's.

  • P/E at month end
  • Own 5-year median 9.7
  • Commercial Banks median 12.3

An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.

Market risk

From the past year of daily prices.

Liquidity

Low risk

Average value traded per day
$765.05M
Value traded per 1% price move
$650.04M

Downside

Low risk

Typical loss in a bad month
14.9%
Volatility (annualized)
31%
Sharpe ratio, 1 year
-0.34
Beta to the S&P 500 (5Y)
1.30

Typical bad-month loss, week by week

25%: high

Margins

Share of revenue, fiscal years 2011 to 2025

Net margin

4.6%−4.9 pts over 5 years