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Capital One Financial (COF) Stock Analysis

This is a peer-relative look at Capital One Financial (COF): its performance, risk, profitability, growth, financial strength, dividend, and valuation are each measured against its Financial Services peers, so every number reads in context rather than in isolation.

Company Profile

Company profile fields for Capital One Financial (COF)
Profile ItemCOF
NameCapital One Financial Corp.
Country/RegionUnited States
GICS SectorFinancials
GICS Industry GroupFinancial Services
GICS IndustryConsumer Finance
GICS Sub-IndustryConsumer Finance
Market Capitalization121.43 billion USD
CurrencyUSD
ExchangeNYSE
Listing DateNovember 16, 1994
Security TypeCommon Stock

Price Performance

Cumulative Growth

COF
GSPC
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Capital One Financial (COF) vs. S&P 500 (GSPC): Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for Capital One Financial (COF) and S&P 500 (GSPC). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Capital One Financial (COF) and S&P 500 (GSPC). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Capital One Financial (COF) metric values compared with Financial Services industry-group medians
MetricCurrent stock: COFIndustry group median
Total Return (1Y)-5.89%1.90%
Total Return (3Y, Annualized)26.49%12.71%
Total Return (5Y, Annualized)7.24%2.81%

Risk Profile

Drawdown History

COF
GSPC
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Capital One Financial (COF) vs. S&P 500 (GSPC): Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for Capital One Financial (COF) and S&P 500 (GSPC). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Capital One Financial (COF) metric values compared with Financial Services industry-group medians
MetricCurrent stock: COFIndustry group median
Volatility (1Y, Annualized)31.21%36.24%
Beta (5Y)1.091.04
Max Drawdown (5Y)-45.56%-48.56%

Risk-Adjusted Performance

Risk-Return Positioning

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Each dot is a stock plotted by 1-year volatility (risk) and 1-year return. COF is highlighted; the dashed line is the Capital Allocation Line from the risk-free rate through the industry median — dots above it are stronger on a risk-adjusted basis.

Risk-Adjusted Metrics

Capital One Financial (COF) metric values compared with Financial Services industry-group medians
MetricCurrent stock: COFIndustry group median
Sharpe Ratio (1Y)-0.33-0.09
Sortino Ratio (1Y)-0.43-0.13

Profitability

ROE (TTM)

Capital One Financial (COF) posts ROE of 9.39%, roughly around the peer group’s normal range. Shareholders’ equity is producing a return that looks broadly typical for the industry.

COF

Financial Services industry group

9.39%

Group distribution
Max
44.78%
Q3
21.85%
Median
12.91%
COF
9.39%
Q1
4.48%
Min
-18.71%
Largest peers
MA
231.37%
V
63.51%
MS
18.04%
GS
17.71%
BRK.A
12.12%
BRK.B
12.12%
COF
9.39%
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Where Capital One Financial (COF) stands on ROE within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

Net Margin (TTM)

Capital One Financial (COF) keeps 22.23% of revenue as net profit, roughly in line with the peer group’s normal net margin range. Its full cost stack is taking a typical share of sales for the industry.

COF

Financial Services industry group

22.23%

Group distribution
Max
62.84%
Q3
28.05%
COF
22.23%
Median
15.36%
Q1
4.82%
Min
-28.52%
Largest peers
V
51.20%
MA
46.73%
GS
31.21%
MS
25.63%
BRK.A
22.30%
BRK.B
22.30%
COF
22.23%
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Where Capital One Financial (COF) stands on net margin within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

Operating Margin (TTM)

Capital One Financial (COF) turns 37.83% of revenue into operating profit, roughly in line with the peer group’s normal operating margin range. Its core cost structure looks typical for the industry.

COF

Financial Services industry group

37.83%

Group distribution
Max
107.33%
Q3
55.90%
COF
37.83%
Median
30.09%
Q1
14.60%
Min
-44.34%
Largest peers
V
63.73%
MA
60.53%
MS
39.00%
GS
38.37%
COF
37.83%
BRK.A
32.56%
BRK.B
32.56%
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Where Capital One Financial (COF) stands on operating margin within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

Profitability Metrics

Capital One Financial (COF) metric values compared with Financial Services industry-group medians
MetricCurrent stock: COFIndustry group median
ROE (TTM)9.39%12.91%
ROA (TTM)1.57%3.60%
Net Margin (TTM)22.23%15.36%
Operating Margin (TTM)37.83%30.09%
Gross Margin (TTM)----

Growth

Revenue Growth

Capital One Financial (COF) grew revenue 36.62%, in the upper peer quartile. The top line is expanding faster than at most industry peers, which points to share gains or stronger pricing.

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Capital One Financial (COF): Revenue Growth across different time periods, set against Financial Services industry-group medians.

EPS Growth

Capital One Financial (COF) grew earnings per share -65.23%, in the lower peer quartile. Per-share profits are advancing more slowly than at most peers, so margins, costs, or share count deserve a closer look.

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Capital One Financial (COF): EPS Growth across different time periods, set against Financial Services industry-group medians.

Growth Metrics

Capital One Financial (COF) metric values compared with Financial Services industry-group medians
MetricCurrent stock: COFIndustry group median
Revenue Growth (YoY)36.62%9.46%
Revenue Growth (3Y CAGR)15.98%10.90%
EPS Growth (YoY)-65.23%7.46%
EPS Growth (3Y CAGR)-39.18%13.04%

Financial Strength

Current Ratio (MRQ)

current ratio is set aside for Capital One Financial (COF) in Financial Services: these balance sheets are not best read through a current/non-current split, so regulatory, funding, or liquidity-coverage measures usually matter more.

Debt / Equity (MRQ)

debt-to-equity ratio is set aside for Capital One Financial (COF) in Financial Services: leverage is part of the business model itself, so capital adequacy, funding mix, and regulatory measures are usually better risk gauges.

Financial Strength Metrics

Capital One Financial (COF) metric values compared with Financial Services industry-group medians
MetricCurrent stock: COFIndustry group median
Current Ratio (MRQ)----
Debt / Equity (MRQ)----
Net Debt / EBITDA----

Dividends

Dividend Yield (TTM)

Capital One Financial (COF) has dividend yield of 1.57%, in the industry’s normal income range. It provides a meaningful dividend without the red flag of an unusually high headline yield.

COF

Financial Services industry group

1.57%

Group distribution
Max
9.77%
Q3
3.92%
COF
1.57%
Median
1.09%
Q1
0.00%
Min
0.00%
Largest peers
MS
2.40%
GS
2.07%
COF
1.57%
V
0.66%
MA
0.53%
BRK.A
0.00%
BRK.B
0.00%
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Where Capital One Financial (COF) stands on dividend yield within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

Dividend Payout Ratio (TTM)

Capital One Financial (COF) has payout ratio of 19.61%, within the industry’s typical payout band. The dividend shares profits with investors while leaving earnings coverage that looks normal for the peer group.

COF

Financial Services industry group

19.61%

Group distribution
Max
241.07%
Q3
97.36%
Median
25.77%
COF
19.61%
Q1
0.00%
Min
0.00%
Largest peers
MS
32.91%
GS
25.88%
V
21.75%
COF
19.61%
MA
17.63%
BRK.A
0.00%
BRK.B
0.00%
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Where Capital One Financial (COF) stands on payout ratio within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

Dividend Metrics

Capital One Financial (COF) metric values compared with Financial Services industry-group medians
MetricCurrent stock: COFIndustry group median
Dividend Yield (TTM)1.57%1.09%
Dividend Payout Ratio (TTM)19.61%25.77%

Valuation

P/E Ratio (TTM)

Capital One Financial (COF) trades at P/E ratio of 12.37, near the industry’s usual earnings multiple. The stock is not showing a clear peer discount or premium on trailing earnings.

COF

Financial Services industry group

12.37

Group distribution
Max
45.85
Q3
24.64
Median
15.37
COF
12.37
Q1
9.68
Min
0.16
Largest peers
V
34.31
MA
34.15
MS
14.39
BRK.A
14.36
BRK.B
14.36
GS
12.45
COF
12.37
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Where Capital One Financial (COF) stands on P/E ratio within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

P/S Ratio (TTM)

Capital One Financial (COF) trades at 2.48 on P/S ratio, roughly in the peer group’s normal range. The market is not making a strong cheap-or-rich statement about its revenue base.

COF

Financial Services industry group

2.48

Group distribution
Max
9.23
Q3
4.57
Median
2.72
COF
2.48
Q1
1.28
Min
-0.55
Largest peers
V
17.18
MA
15.67
MS
3.55
GS
3.52
BRK.A
3.18
BRK.B
3.18
COF
2.48
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Where Capital One Financial (COF) stands on P/S ratio within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

P/B Ratio (MRQ)

Capital One Financial (COF) trades at 1.15 on P/B ratio, roughly in line with the industry’s normal price-to-book range. Its balance sheet is not being priced at a clear discount or premium versus peers.

COF

Financial Services industry group

1.15

Group distribution
Max
7.79
Q3
3.63
Median
1.57
COF
1.15
Q1
0.81
Min
-0.39
Largest peers
MA
84.30
V
22.05
MS
2.65
GS
2.36
BRK.A
1.72
COF
1.15
BRK.B
0.00
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Where Capital One Financial (COF) stands on P/B ratio within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

Valuation Metrics

Capital One Financial (COF) metric values compared with Financial Services industry-group medians
MetricCurrent stock: COFIndustry group median
P/E Ratio (TTM)12.3715.37
P/S Ratio (TTM)2.482.72
P/B Ratio (MRQ)1.151.57
Free Cash Flow Yield (TTM)----