COF vs. CPAY: Capital One Financial vs. Corpay Stock Comparison
How do Capital One Financial (COF) and Corpay (CPAY) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.
Company Profile
Capital One Financial (COF) and Corpay (CPAY) both fall under the Financial Services industry group, but COF is classified in Consumer Finance while CPAY is classified in Financial Services.
| Profile Item | COF | CPAY |
|---|---|---|
| Name | Capital One Financial Corp. | Corpay Inc. |
| Country/Region | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Financial Services | Financial Services |
| GICS Industry | Consumer Finance | Financial Services |
| GICS Sub-Industry | Consumer Finance | Transaction & Payment Processing Services |
| Market Capitalization | 121.43 billion USD | 29.12 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | November 16, 1994 | December 15, 2010 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | COF | CPAY |
|---|---|---|
| Total Return (1Y) | -5.89% | 65.09% |
| Total Return (3Y, Annualized) | 26.49% | 25.90% |
| Total Return (5Y, Annualized) | 7.24% | 13.34% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | COF | CPAY |
|---|---|---|
| Volatility (1Y, Annualized) | 31.21% | 36.03% |
| Beta (5Y) | 1.09 | 0.87 |
| Max Drawdown (5Y) | -45.56% | -37.33% |
| Avg. Volume (3M) | 3.66M | 489.47K |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | COF | CPAY |
|---|---|---|
| Sharpe Ratio (1Y) | -0.33 | 1.69 |
| Sortino Ratio (1Y) | -0.43 | 2.83 |
Profitability
ROE (TTM)
Corpay (CPAY) at 32.21% sits in the top ROE quartile, while Capital One Financial (COF) at 9.39% is closer to the peer norm — stronger capital efficiency for CPAY.
COF
Financial Services industry group
9.39%
- Max
- 44.78%
- Q3
- 21.85%
- Median
- 12.91%
- COF
- 9.39%
- Q1
- 4.48%
- Min
- -18.71%
CPAY
Financial Services industry group
32.21%
- Max
- 44.78%
- CPAY
- 32.21%
- Q3
- 21.85%
- Median
- 12.91%
- Q1
- 4.48%
- Min
- -18.71%
Net Margin (TTM)
Both Capital One Financial (COF) at 22.23% and Corpay (CPAY) at 23.73% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.
COF
Financial Services industry group
22.23%
- Max
- 62.84%
- Q3
- 28.05%
- COF
- 22.23%
- Median
- 15.36%
- Q1
- 4.82%
- Min
- -28.52%
CPAY
Financial Services industry group
23.73%
- Max
- 62.84%
- Q3
- 28.05%
- CPAY
- 23.73%
- Median
- 15.36%
- Q1
- 4.82%
- Min
- -28.52%
Operating Margin (TTM)
Both Capital One Financial (COF) at 37.83% and Corpay (CPAY) at 49.15% run core operations about as efficiently as their industries’ norm — neither stands out on operating profitability.
COF
Financial Services industry group
37.83%
- Max
- 107.33%
- Q3
- 55.90%
- COF
- 37.83%
- Median
- 30.09%
- Q1
- 14.60%
- Min
- -44.34%
CPAY
Financial Services industry group
49.15%
- Max
- 107.33%
- Q3
- 55.90%
- CPAY
- 49.15%
- Median
- 30.09%
- Q1
- 14.60%
- Min
- -44.34%
Profitability Metrics
| Metric | COF | CPAY |
|---|---|---|
| ROE (TTM) | 9.39% | 32.21% |
| ROA (TTM) | 1.57% | 6.80% |
| Net Margin (TTM) | 22.23% | 23.73% |
| Operating Margin (TTM) | 37.83% | 49.15% |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Capital One Financial (COF) at 36.62% sits in the top revenue growth quartile, while Corpay (CPAY) at 13.93% is closer to the peer norm — faster top-line expansion for COF.
EPS Growth
Corpay (CPAY) at 7.59% is around its peer norm for EPS growth, while Capital One Financial (COF) at -65.23% drops into the bottom quartile, signaling weaker earnings momentum.
Growth Metrics
| Metric | COF | CPAY |
|---|---|---|
| Revenue Growth (YoY) | 36.62% | 13.93% |
| Revenue Growth (3Y CAGR) | 15.98% | 9.73% |
| EPS Growth (YoY) | -65.23% | 7.59% |
| EPS Growth (3Y CAGR) | -39.18% | 6.56% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Capital One Financial (COF) in Financial Services and Corpay (CPAY) in Financial Services both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.
Debt / Equity (MRQ)
debt-to-equity ratio is set aside for both: Capital One Financial (COF) in Financial Services and Corpay (CPAY) in Financial Services run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.
Financial Strength Metrics
| Metric | COF | CPAY |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Corpay (CPAY) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Capital One Financial (COF) reports a yield of 1.57%, ranking against industry peers normally.
COF
Financial Services industry group
1.57%
- Max
- 9.77%
- Q3
- 3.92%
- COF
- 1.57%
- Median
- 1.09%
- Q1
- 0.00%
- Min
- 0.00%
CPAY
Financial Services industry group
0.00%
- Max
- 9.77%
- Q3
- 3.92%
- Median
- 1.09%
- CPAY
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Corpay (CPAY) pays no dividend (payout 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Capital One Financial (COF) reports a payout of 19.61%, ranking against industry peers normally.
COF
Financial Services industry group
19.61%
- Max
- 241.07%
- Q3
- 97.36%
- Median
- 25.77%
- COF
- 19.61%
- Q1
- 0.00%
- Min
- 0.00%
CPAY
Financial Services industry group
0.00%
- Max
- 241.07%
- Q3
- 97.36%
- Median
- 25.77%
- CPAY
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | COF | CPAY |
|---|---|---|
| Dividend Yield (TTM) | 1.57% | 0.00% |
| Dividend Payout Ratio (TTM) | 19.61% | 0.00% |
Valuation
P/E Ratio (TTM)
Capital One Financial (COF) at 12.37 is near its industry’s usual P/E ratio, while Corpay (CPAY) at 25.02 sits in the richer quartile — CPAY needs stronger growth or earnings quality to justify the premium.
COF
Financial Services industry group
12.37
- Max
- 45.85
- Q3
- 24.64
- Median
- 15.37
- COF
- 12.37
- Q1
- 9.68
- Min
- 0.16
CPAY
Financial Services industry group
25.02
- Max
- 45.85
- CPAY
- 25.02
- Q3
- 24.64
- Median
- 15.37
- Q1
- 9.68
- Min
- 0.16
P/S Ratio (TTM)
Capital One Financial (COF) at 2.48 is priced about in line with its industry on P/S ratio, while Corpay (CPAY) at 5.57 sits in the pricier quartile — CPAY costs more per dollar of sales.
COF
Financial Services industry group
2.48
- Max
- 9.23
- Q3
- 4.57
- Median
- 2.72
- COF
- 2.48
- Q1
- 1.28
- Min
- -0.55
CPAY
Financial Services industry group
5.57
- Max
- 9.23
- CPAY
- 5.57
- Q3
- 4.57
- Median
- 2.72
- Q1
- 1.28
- Min
- -0.55
P/B Ratio (MRQ)
Capital One Financial (COF) at 1.15 sits near its industry’s typical P/B ratio, while Corpay (CPAY) at 8.89 prices above its benchmark range — CPAY looks rich relative to book.
COF
Financial Services industry group
1.15
- Max
- 7.79
- Q3
- 3.63
- Median
- 1.57
- COF
- 1.15
- Q1
- 0.81
- Min
- -0.39
CPAY
Financial Services industry group
8.89
- CPAY
- 8.89
- Max
- 7.79
- Q3
- 3.63
- Median
- 1.57
- Q1
- 0.81
- Min
- -0.39
Valuation Metrics
| Metric | COF | CPAY |
|---|---|---|
| P/E Ratio (TTM) | 12.37 | 25.02 |
| P/S Ratio (TTM) | 2.48 | 5.57 |
| P/B Ratio (MRQ) | 1.15 | 8.89 |
| Free Cash Flow Yield (TTM) | -- | -- |