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.
CountryUS
ExchangeNYSE
IndustryFinancial - Credit Services
SectorFinancial Services
Market Cap$70.01B
CEOMr. 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 LoansVehicle financing
💳
Credit CardsConsumer credit cards
🏦
Savings AccountsHigh-yield savings
💰
Checking AccountsEveryday banking
🏢
Business Credit CardsBusiness credit cards
Business Type
Business to Consumer
Competitive Advantages
Unlock Competitive Advantages Analysis
Discover all competitive advantages and strategic moats that protect COF's market position.
Trailing Twelve Months (TTM) values provide a view of the company's performance over the last year.
Graham Value Metrics
Benjamin Graham's value investing approach focuses on finding stocks with a significant margin of safety between their intrinsic value and market price.
📊
Unlock Graham value analysis
Access Benjamin Graham's value investing criteria, intrinsic value calculations, and margin of safety analysis
Trailing Twelve Months (TTM) values provide a view of the company's performance over the last year.
Income Statement Flow
Scroll horizontally to see more
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.
📊
Unlock Profitability Metrics
Access detailed profitability metrics with visual gauges and benchmarks
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
We use cookies to analyze site traffic and optimize your site experience.
By accepting, you consent to our use of cookies. Read our Privacy Policy to Learn more.