Capital One Financial Corporation
Capital One Financial Corporation operates as the financial services holding company for the Capital One, National Association, which engages in the provision of various financial products and services in the United States, Canada, and the United Kingdom. It operates through three segments: Credit C…
What to know about COF
Capital One Financial Corporation is a large Financial Services company with a mixed financial profile. It scores well on cash flow and size, but profitability is worth keeping an eye on.
Should you consider COF?
Based on 31 financial metrics and sector comparison. Not financial advice.
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Capital One Financial Corporation is a large-cap Financial Services company with a mixed overall financial profile — it is in the lower half of its Financial Services peers (40 of 70).
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Profit margins are thin compared to most S&P 500 peers — the company keeps less of each dollar it earns than the average. Watch for signs of margin improvement.
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Valuation is in the middle of the pack — neither obviously cheap nor stretched.
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Growth is a clear strength — revenue and earnings are expanding faster than most peers, signalling strong demand for the company's products or services.
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There is a small dividend (0.02%), but income-focused investors will likely find better yields elsewhere in the market.
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Volatility is close to the S&P 500 average — typical market swings, nothing unusual.
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Analyst sentiment is broadly positive and short interest is low — professionals who cover this stock are mostly optimistic about its near-term prospects.
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This is a mixed picture — real strengths in some areas, but areas that need watching too. Do your homework on the sector before deciding.
At a glance
How it scores
We look at 31 different financial metrics and group them into categories. Here's how COF compares to the other S&P 500 stocks.
Dive deeper — all 31 metrics 9 categories · valuation, growth, health, dividends & more Show all Hide
Valuation
Is the stock cheap or expensive relative to its earnings, sales, and assets? Lower multiples often mean better value.
| Metric | Value | vs S&P 500 |
|---|---|---|
| P/E Ratio (Trailing) | 62.01 | Below avg |
| Forward P/E | 8.30 | Top 25% |
| PEG Ratio | 0.21 | Top 25% |
| Price to Sales | 3.45 | Average |
| Price to Book | 1.16 | Top 25% |
| EV/EBITDA | — | N/A |
| Earnings Yield | 1.61% | Below avg |
Profitability
How efficiently does the company turn revenue into profit? Higher margins mean more money kept from each dollar earned.
| Metric | Value | vs S&P 500 |
|---|---|---|
| Gross Margin | 0.00% | Below avg |
| Operating Margin | 28.59% | Above avg |
| Net Profit Margin | 8.88% | Average |
| Return on Equity | 3.26% | Below avg |
| Return on Invested Capital | 0.49% | Below avg |
Growth
How fast is the business expanding? Strong growth in revenue and earnings signals increasing market demand.
| Metric | Value | vs S&P 500 |
|---|---|---|
| Revenue Growth (YoY) | 46.30% | Top 25% |
| Revenue Growth (3Y CAGR) | 15.98% | Top 25% |
| EPS Growth (YoY) | -3.20% | Below avg |
| Free Cash Flow Growth | 54.17% | Top 25% |
Health
Can the company cover its debts and obligations? A healthy balance sheet reduces the risk of financial trouble.
| Metric | Value | vs S&P 500 |
|---|---|---|
| Current Ratio | — | N/A |
| Debt to Equity | — | N/A |
| Interest Coverage | — | N/A |
| Altman Z-Score | — | N/A |
Dividends
Does the company pay shareholders, and is that payment growing and sustainable?
| Metric | Value | vs S&P 500 |
|---|---|---|
| Dividend Yield | 1.60% | Average |
| Payout Ratio | 86.12% | Below avg |
| Dividend Growth (5Y) | -9.25% | Average |
Cash Flow
Is real cash flowing into the business — not just accounting profits? Strong cash flow funds growth and dividends.
| Metric | Value | vs S&P 500 |
|---|---|---|
| Free Cash Flow Yield | 21.76% | Top 25% |
| OCF to Sales | 49.56% | Top 25% |
Risk
How volatile is the stock compared to the broader market? Lower beta and volatility mean a smoother ride.
| Metric | Value | vs S&P 500 |
|---|---|---|
| Beta (1-Year) | 1.04 | Average |
| Volatility (30-Day) | 32.42% | Average |
Sentiment
What do analysts and short-sellers think? High analyst ratings and low short interest signal broad confidence.
| Metric | Value | vs S&P 500 |
|---|---|---|
| Short % of Float | 1.93% | Top 25% |
| Avg. Analyst Rating | 1.61 | Top 25% |
| Target Upside % | 26.37% | Top 25% |
Size
How large is the company by market value? Size affects stability, growth potential, and index inclusion.
| Metric | Value | vs S&P 500 |
|---|---|---|
| Market Capitalization | 125.41B | Top 25% |
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