Capital One Financial vs US Bancorp
COF and USB side by side, both in commercial banks. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How COF and USB compare
Capital One Financial is the larger company, worth 1.3 times as much as US Bancorp ($121B against $94.6B).
Capital One Financial grew revenue faster over the last twelve months (45.3% versus 7.2% for US Bancorp).
US Bancorp keeps more of each dollar of sales as profit, with a net margin of 27.6% compared with 17.0% at Capital One Financial.
Both pay dividends: Capital One Financial yields 1.6% and US Bancorp 3.5%.
US Bancorp scores higher on the StockData Score (16 against 12 for Capital One Financial), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | COF | USB |
|---|---|---|
| Size and price | ||
| Market cap | $121B | $94.6B |
| Share price | $197.11 | $60.70 |
| Change, 1 year | −10.6% | 27.6% |
| Change, 5 years | 30.3% | 5.4% |
| Beta (5Y) | 1.29 | 1.05 |
| Employees | 76K | 69K |
| StockData Score | ||
| Total score | 12 | 16 (better) |
| Valuation score | 2 | 2 |
| Growth score | 2 (better) | 1 |
| Performance score | 1 | 4 (better) |
| Health score | 4 | 6 (better) |
| Dividend score | 3 | 3 |
| Valuation | ||
| P/E | – | 11.8× |
| P/S | 1.9× (better) | 3.1× |
| P/B | 1.1× (better) | 1.4× |
| P/FCF | 4.1× | – |
| PEG | – | 1.52 |
| FCF yield | 24.6% | – |
| Fair value | – | $57.54 |
| Margin of safety | – | −5.5% |
| Growth | ||
| Revenue growth (TTM) | 45.3% (better) | 7.2% |
| Revenue growth, 5Y average | 13.4% (better) | 4.3% |
| Net income growth (TTM) | – | 16.4% |
| EPS growth (TTM) | – | 17.4% |
| EPS growth, 5Y average | −4.9% | 8.6% (better) |
| Profitability | ||
| Net margin | 17.0% | 27.6% (better) |
| FCF margin | 47.9% | – |
| Return on equity | 9.4% | 12.9% (better) |
| Financial health | ||
| Debt / equity | 0.40 | 0.32 (better) |
| Altman Z-score | 0.37 (better) | 0.30 |
| Piotroski F-score | 5 | 7 (better) |
| Dividends and buybacks | ||
| Dividend yield | 1.6% | 3.5% (better) |
| Payout ratio | 18.0% | 38.9% |
| Years of dividend growth | – | 15 |
| Dividend growth, 5Y average | – | 4.0% |
| Buyback yield | 7.1% (better) | 0.58% |
| Shareholder yield | 8.8% (better) | 4.0% |
| Ownership | ||
| Held by institutions | 87.7% | 82.2% |
| Held by insiders | 0.85% | 0.22% |
| Insider net buying, 12 months | −$67.6M | −$12.6M (better) |
| Superinvestors holding | 12 (better) | 3 |
| Short interest, % of float | 1.2% | 1.7% |
Go deeper
- COF stock overview
- COF income statement
- COF valuation and score
- USB stock overview
- USB income statement
- USB valuation and score
Other comparisons
For information only, not investment advice. Check the source filings before relying on any figure.