COF vs. FUTU: Capital One Financial vs. Futu Stock Comparison
How do Capital One Financial (COF) and Futu (FUTU) 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 Futu (FUTU) both fall under the Financial Services industry group, but COF is classified in Consumer Finance while FUTU is classified in Capital Markets.
Capital One Financial (COF) trades as ordinary local shares, while Futu (FUTU) trades as an ADR — compare with FX exposure, depositary-program fees, and dividend-withholding-tax differences in mind.
| Profile Item | COF | FUTU |
|---|---|---|
| Name | Capital One Financial Corp. | Futu Holdings Ltd. ADR |
| Country/Region | United States | Hong Kong |
| 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 | 13.75 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | Nasdaq |
| Listing Date | November 16, 1994 | March 8, 2019 |
| Security Type | Common Stock | ADR |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | COF | FUTU |
|---|---|---|
| Total Return (1Y) | -5.89% | -45.15% |
| Total Return (3Y, Annualized) | 26.49% | 22.02% |
| Total Return (5Y, Annualized) | 7.24% | 13.70% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | COF | FUTU |
|---|---|---|
| Volatility (1Y, Annualized) | 31.21% | 59.94% |
| Beta (5Y) | 1.09 | 0.68 |
| Max Drawdown (5Y) | -45.56% | -60.17% |
| Avg. Volume (3M) | 3.66M | 1.18M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | COF | FUTU |
|---|---|---|
| Sharpe Ratio (1Y) | -0.33 | -0.82 |
| Sortino Ratio (1Y) | -0.43 | -1.10 |
Profitability
ROE (TTM)
Futu (FUTU) at 30.52% sits in the top ROE quartile, while Capital One Financial (COF) at 9.39% is closer to the peer norm — stronger capital efficiency for FUTU.
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%
FUTU
Financial Services industry group
30.52%
- Max
- 44.78%
- FUTU
- 30.52%
- Q3
- 21.85%
- Median
- 12.91%
- Q1
- 4.48%
- Min
- -18.71%
Net Margin (TTM)
Futu (FUTU) at 46.20% retains a top-quartile share of revenue as profit, ahead of Capital One Financial (COF) at 22.23%, which keeps about the industry-typical share.
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%
FUTU
Financial Services industry group
46.20%
- Max
- 62.84%
- FUTU
- 46.20%
- Q3
- 28.05%
- Median
- 15.36%
- Q1
- 4.82%
- Min
- -28.52%
Operating Margin (TTM)
Futu (FUTU) at 66.75% operates in the top operating margin quartile, ahead of Capital One Financial (COF) at 37.83%, which runs around its industry’s norm.
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%
FUTU
Financial Services industry group
66.75%
- Max
- 107.33%
- FUTU
- 66.75%
- Q3
- 55.90%
- Median
- 30.09%
- Q1
- 14.60%
- Min
- -44.34%
Profitability Metrics
| Metric | COF | FUTU |
|---|---|---|
| ROE (TTM) | 9.39% | 30.52% |
| ROA (TTM) | 1.57% | 4.51% |
| Net Margin (TTM) | 22.23% | 46.20% |
| Operating Margin (TTM) | 37.83% | 66.75% |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Both companies are growing quickly, but Futu (FUTU) at 68.11% is the standout with revenue growth above its industry range; Capital One Financial (COF) at 36.62% also sits in the top quartile.
EPS Growth
Futu (FUTU) at 106.38% 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 | FUTU |
|---|---|---|
| Revenue Growth (YoY) | 36.62% | 68.11% |
| Revenue Growth (3Y CAGR) | 15.98% | 44.24% |
| EPS Growth (YoY) | -65.23% | 106.38% |
| EPS Growth (3Y CAGR) | -39.18% | 58.06% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Capital One Financial (COF) in Financial Services and Futu (FUTU) 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 Futu (FUTU) 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 | FUTU |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Futu (FUTU) 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%
FUTU
Financial Services industry group
0.00%
- Max
- 9.77%
- Q3
- 3.92%
- Median
- 1.09%
- FUTU
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Both Capital One Financial (COF) at 19.61% and Futu (FUTU) at 25.80% keep payout ratio within their industries’ typical mid-ranges — dividend policies that share earnings without consuming too much of them.
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%
FUTU
Financial Services industry group
25.80%
- Max
- 241.07%
- Q3
- 97.36%
- FUTU
- 25.80%
- Median
- 25.77%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | COF | FUTU |
|---|---|---|
| Dividend Yield (TTM) | 1.57% | 0.00% |
| Dividend Payout Ratio (TTM) | 19.61% | 25.80% |
Valuation
P/E Ratio (TTM)
Both Capital One Financial (COF) at 12.37 and Futu (FUTU) at 9.73 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.
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
FUTU
Financial Services industry group
9.73
- Max
- 45.85
- Q3
- 24.64
- Median
- 15.37
- FUTU
- 9.73
- Q1
- 9.68
- Min
- 0.16
P/S Ratio (TTM)
Futu (FUTU) at 0.57 sits in the cheaper P/S ratio quartile while Capital One Financial (COF) at 2.48 prices around its industry’s middle — FUTU costs less per dollar of sales, though read it alongside growth and margins.
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
FUTU
Financial Services industry group
0.57
- Max
- 9.23
- Q3
- 4.57
- Median
- 2.72
- Q1
- 1.28
- FUTU
- 0.57
- Min
- -0.55
P/B Ratio (MRQ)
On P/B ratio, both Capital One Financial (COF) at 1.15 and Futu (FUTU) at 2.75 are valued close to their industries’ norm against book — neither stands out from peers.
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
FUTU
Financial Services industry group
2.75
- Max
- 7.79
- Q3
- 3.63
- FUTU
- 2.75
- Median
- 1.57
- Q1
- 0.81
- Min
- -0.39
Valuation Metrics
| Metric | COF | FUTU |
|---|---|---|
| P/E Ratio (TTM) | 12.37 | 9.73 |
| P/S Ratio (TTM) | 2.48 | 0.57 |
| P/B Ratio (MRQ) | 1.15 | 2.75 |
| Free Cash Flow Yield (TTM) | -- | -- |