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COF
Capital One Financial Corporation
Summary
Business
Earnings Call
Valuation
Profitability
Financial Health
Intel
Yearly Return 10Y annualized return is average at 8.5% per year
Earnings Expectations COF has met or exceeded earnings expectations in some recent quarters (5/10)
Positive Attractive P/E Ratio
Positive Reasonable Price-to-Sales Ratio
Negative High EV/EBITDA Ratio
Negative Low Net Profit Margin

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Overall, Capital One demonstrates strong business quality through its financial performance, diversified revenue streams, and commitment to technology. However, increasing expenses and charge-off rates present challenges. Future prospects are bolstered by the Discover acquisition and stabilization in credit metrics, although regulatory uncertainties and high interest rates pose risks.

Analysis Date: January 21, 2025
Last Updated: May 29, 2025

+125%
+8.5% per year

Past performance does not guarantee future results. The data presented is indicative and may not be updated in real-time.

Country US
Exchange NYSE
Industry Financial - Credit Services
Sector Financial Services
Market Cap $70.01B
CEO Mr. Richard D. Fairbank

Capital One Financial Corporation is a company that provides various banking and financial services. They offer products like credit cards, checking and savings accounts, and loans for cars and businesses. You can access their services online or at their branches and cafés in several states. Founded in 1988 and based in Virginia, Capital One helps individuals and small businesses manage their money and make purchases.

Streams of revenue

Interchange Fees, Contracts: 85%
Service Charges And Other Customer Fees, Contracts: 8%
Other Contract Revenue: 7%

Geographic Distribution

Other: 100%

Core Products

🚗
Auto Loans Vehicle financing
💳
Credit Cards Consumer credit cards
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Savings Accounts High-yield savings
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Checking Accounts Everyday banking
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Business Credit Cards Business credit cards

Business Type

B2C Business to Consumer

Competitive Advantages

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Key Business Risks

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Trailing Twelve Months (TTM) values provide a view of the company's performance over the last year.

Graham Value Metrics

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ROE: 7.950022835519019

ROA: None

Gross Profit Margin: 52.17872152178722

Net Profit Margin: 8.984000589840006

Trailing Twelve Months (TTM) values provide a view of the company's performance over the last year.

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About Profitability Metrics

Profitability metrics measure a company's ability to generate earnings relative to its revenue, operating costs, and other relevant metrics. Higher values generally indicate better performance.

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About Financial Health Metrics

Financial health metrics assess a company's ability to meet its financial obligations and its overall financial stability.

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Meeting Expectations

5 /10

Higher values indicate better execution and credibility

Recent Results

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EPS

3.64
Estimated
4.06
Actual
+11.54%
Difference

Revenue

$10055143058
Estimated
$13405000000
Actual
-0.55%
Difference
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Insider trading data shows purchase and sale activities by company executives and board members.

Insider Sentiment Analysis

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COF Stock Analysis: Capital One Financial Corporation Investment Guide

COF (Capital One Financial Corporation) is a Financial Services company listed on New York Stock Exchange. The stock has generated 8.5% annual returns with an overall investment score of None/100.

Overall, Capital One demonstrates strong business quality through its financial performance, diversified revenue streams, and commitment to technology. However, increasing expenses and charge-off rates present challenges. Future prospects are bolstered by the Discover acquisition and stabilization in credit metrics, although regulatory uncertainties and high interest rates pose risks.

COF Key Financial Metrics

COF financial analysis includes comprehensive valuation ratios, profitability metrics, and financial health indicators. The company has a valuation score of 9.865044078221757/100 and profitability score of 5.0/100 with financial health rated 7.8999999999999995/100.

About Capital One Financial Corporation

Capital One Financial Corporation is a company that provides various banking and financial services. They offer products like credit cards, checking and savings accounts, and loans for cars and businesses. You can access their services online or at their branches and cafés in several states. Founded in 1988 and based in Virginia, Capital One helps individuals and small businesses manage their money and make purchases.

COF Investment Recommendation

Based on our comprehensive analysis of COF, investors should consider the company's positive performance track record, earnings consistency (5/10 quarters beat expectations), and current valuation metrics when making investment decisions.

Financial Services Sector Analysis

COF operates in the Financial - Credit Services industry within the Financial Services sector. This analysis compares Capital One Financial Corporation performance against industry and sector benchmarks to provide context for investment decisions.

Frequently Asked Questions about COF Stock

Is COF a good investment?

COF (Capital One Financial Corporation) has generated 8.5% annual returns with an overall score of None/100. Overall, Capital One demonstrates strong business quality through its financial performance, diversified revenue streams, and commitment to technology. However, increasing expenses and charge-off rates present challenges. Future prospects are bolstered … Investors should consider their risk tolerance and investment goals when evaluating COF.

What is COF P/E ratio and valuation?

COF valuation metrics including P/E ratio, price-to-book ratio, and price-to-sales ratio are analyzed on this page with comparisons to Financial - Credit Services industry and Financial Services sector benchmarks. The company currently has a valuation score of 9.865044078221757/100.

Should I buy COF stock now?

The decision to buy COF stock should be based on comprehensive analysis of financial metrics, market conditions, and individual investment goals. Our analysis provides profitability score of 5.0/100, financial health score of 7.8999999999999995/100, and detailed performance metrics to help inform your investment decision.

What are COF financial health indicators?

COF financial health analysis includes liquidity ratios, debt levels, cash flow metrics, and profitability indicators. The company has a financial health score of 7.8999999999999995/100 based on comprehensive analysis of balance sheet strength and operational efficiency.

How does COF compare to competitors?

COF performance is benchmarked against Financial - Credit Services industry peers and Financial Services sector averages. Our analysis includes comparative valuation ratios, profitability metrics, and growth indicators to provide context for Capital One Financial Corporation's market position.

What are COF historical returns?

COF has generated 8.5% annual returns over the 10Y. Historical performance analysis includes price appreciation, dividend yields, and total shareholder returns compared to market benchmarks.

COF Key Investment Metrics Summary

  • Annual Return: 8.5%
  • Valuation Score: 9.865044078221757/100
  • Profitability Score: 5.0/100
  • Financial Health Score: 7.8999999999999995/100
  • Growth Score: 157.91932047674106/100
  • Earnings Beat Rate: 5/10 quarters
  • Sector: Financial Services
  • Industry: Financial - Credit Services
  • Exchange: New York Stock Exchange
  • Market Cap: 70014715200

COF Investment Thesis

Capital One Financial Corporation (COF) represents a moderate investment opportunity in the Financial Services sector. With an overall score of None/100, the company demonstrates areas for financial improvement.

Investment Strengths

  • Attractive P/E Ratio
  • Reasonable Price-to-Sales Ratio
  • Strong Gross Profit Margin
  • Good Return on Equity
  • Manageable Debt Levels
  • Strong Financial Performance
  • Diversified Revenue Streams
  • Investment in Technology and Compliance
  • Acquisition of Discover
  • Stabilizing Credit Metrics
  • Growth in Auto and Card Businesses

Investment Risks

  • High EV/EBITDA Ratio
  • Low Net Profit Margin
  • Low Liquidity Ratios
  • Interest Coverage Ratio Below 1
  • Higher Non-Interest Expenses
  • Pressure from Higher Charge-Off Rates
  • Regulatory Approval Uncertainty
  • Pressure from High Interest Rates
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