COF vs. FRHC: Capital One Financial vs. Freedom Stock Comparison
How do Capital One Financial (COF) and Freedom (FRHC) 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 Freedom (FRHC) both fall under the Financial Services industry group, but COF is classified in Consumer Finance while FRHC is classified in Capital Markets.
| Profile Item | COF | FRHC |
|---|---|---|
| Name | Capital One Financial Corp. | Freedom Holding Corp. |
| Country/Region | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Financial Services | Financial Services |
| GICS Industry | Consumer Finance | Capital Markets |
| GICS Sub-Industry | Consumer Finance | Investment Banking & Brokerage |
| Market Capitalization | 121.43 billion USD | 11.41 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | Nasdaq |
| Listing Date | November 16, 1994 | February 7, 2018 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | COF | FRHC |
|---|---|---|
| Total Return (1Y) | -5.89% | 18.04% |
| Total Return (3Y, Annualized) | 26.49% | 28.04% |
| Total Return (5Y, Annualized) | 7.24% | 18.95% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | COF | FRHC |
|---|---|---|
| Volatility (1Y, Annualized) | 31.21% | 47.01% |
| Beta (5Y) | 1.09 | 0.71 |
| Max Drawdown (5Y) | -45.56% | -45.80% |
| Avg. Volume (3M) | 3.66M | 108.35K |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | COF | FRHC |
|---|---|---|
| Sharpe Ratio (1Y) | -0.33 | 0.29 |
| Sortino Ratio (1Y) | -0.43 | 0.45 |
Profitability
ROE (TTM)
Both Capital One Financial (COF) at 9.39% and Freedom (FRHC) at 10.68% land near their industries’ usual ROE ranges, so capital efficiency looks broadly in line with peers on both sides.
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%
FRHC
Financial Services industry group
10.68%
- Max
- 44.78%
- Q3
- 21.85%
- Median
- 12.91%
- FRHC
- 10.68%
- Q1
- 4.48%
- Min
- -18.71%
Net Margin (TTM)
Both Capital One Financial (COF) at 22.23% and Freedom (FRHC) at 8.43% 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%
FRHC
Financial Services industry group
8.43%
- Max
- 62.84%
- Q3
- 28.05%
- Median
- 15.36%
- FRHC
- 8.43%
- Q1
- 4.82%
- Min
- -28.52%
Operating Margin (TTM)
Capital One Financial (COF) at 37.83% runs core operations around its industry’s norm, while Freedom (FRHC) at 5.01% operates in the bottom quartile.
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%
FRHC
Financial Services industry group
5.01%
- Max
- 107.33%
- Q3
- 55.90%
- Median
- 30.09%
- Q1
- 14.60%
- FRHC
- 5.01%
- Min
- -44.34%
Profitability Metrics
| Metric | COF | FRHC |
|---|---|---|
| ROE (TTM) | 9.39% | 10.68% |
| ROA (TTM) | 1.57% | 1.24% |
| Net Margin (TTM) | 22.23% | 8.43% |
| Operating Margin (TTM) | 37.83% | 5.01% |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Capital One Financial (COF) at 36.62% sits in the top revenue growth quartile, while Freedom (FRHC) at 8.97% is closer to the peer norm — faster top-line expansion for COF.
EPS Growth
Freedom (FRHC) at 98.93% sits in the top EPS growth quartile, while Capital One Financial (COF) at -65.23% is in the bottom quartile, showing a clear gap in earnings momentum.
Growth Metrics
| Metric | COF | FRHC |
|---|---|---|
| Revenue Growth (YoY) | 36.62% | 8.97% |
| Revenue Growth (3Y CAGR) | 15.98% | 39.61% |
| EPS Growth (YoY) | -65.23% | 98.93% |
| EPS Growth (3Y CAGR) | -39.18% | -10.08% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Capital One Financial (COF) in Financial Services and Freedom (FRHC) 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 Freedom (FRHC) 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 | FRHC |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Freedom (FRHC) 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%
FRHC
Financial Services industry group
0.00%
- Max
- 9.77%
- Q3
- 3.92%
- Median
- 1.09%
- FRHC
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Freedom (FRHC) 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%
FRHC
Financial Services industry group
0.00%
- Max
- 241.07%
- Q3
- 97.36%
- Median
- 25.77%
- FRHC
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | COF | FRHC |
|---|---|---|
| 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 Freedom (FRHC) at 70.97 sits above its peer range — an unusually expensive price for FRHC’s trailing earnings.
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
FRHC
Financial Services industry group
70.97
- FRHC
- 70.97
- Max
- 45.85
- 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 Freedom (FRHC) at 6.51 sits in the pricier quartile — FRHC 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
FRHC
Financial Services industry group
6.51
- Max
- 9.23
- FRHC
- 6.51
- Q3
- 4.57
- Median
- 2.72
- Q1
- 1.28
- Min
- -0.55
P/B Ratio (MRQ)
Capital One Financial (COF) at 1.15 is valued about in line with its industry on P/B ratio, while Freedom (FRHC) at 7.16 carries an above-peer premium to book — FRHC is pricier on assets.
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
FRHC
Financial Services industry group
7.16
- Max
- 7.79
- FRHC
- 7.16
- Q3
- 3.63
- Median
- 1.57
- Q1
- 0.81
- Min
- -0.39
Valuation Metrics
| Metric | COF | FRHC |
|---|---|---|
| P/E Ratio (TTM) | 12.37 | 70.97 |
| P/S Ratio (TTM) | 2.48 | 6.51 |
| P/B Ratio (MRQ) | 1.15 | 7.16 |
| Free Cash Flow Yield (TTM) | -- | -- |