COF vs. FUTU: A Head-to-Head Stock Comparison

Updated on August 19, 2025

Here’s a clear look at COF and FUTU, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.

Company Profile

COF is a standard domestic listing, while FUTU trades as an American Depositary Receipt (ADR), offering U.S. investors access to its foreign-listed shares.

Symbol	COF	FUTU
Company Name	Capital One Financial Corporation	Futu Holdings Limited
Country	United States	Hong Kong
GICS Sector	Financials	Financials
GICS Industry	Consumer Finance	Capital Markets
Market Capitalization	138.76 billion USD	24.57 billion USD
Exchange	NYSE	NasdaqGM
Listing Date	November 16, 1994	March 8, 2019
Security Type	Common Stock	ADR

Historical Performance

This chart compares the performance of COF and FUTU by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period. Data is adjusted for dividends and splits.

COF vs. FUTU: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

Symbol	COF	FUTU
5-Day Price Return	4.67%	12.70%
13-Week Price Return	8.51%	59.36%
26-Week Price Return	5.00%	81.64%
52-Week Price Return	64.22%	199.73%
Month-to-Date Return	0.92%	14.84%
Year-to-Date Return	21.67%	120.63%
10-Day Avg. Volume	3.53M	2.29M
3-Month Avg. Volume	4.71M	2.65M
3-Month Volatility	28.60%	59.74%
Beta	1.22	0.54

Profitability

Return on Equity (TTM)

COF

0.00%

Consumer Finance Industry

Max: 32.87%
Q3: 20.39%
Median: 14.14%
Q1: 7.64%
Min: -10.63%

COF’s Return on Equity of 0.00% is in the lower quartile for the Consumer Finance industry. This indicates a less efficient generation of profit from its equity base when compared to its competitors.

FUTU

23.06%

Capital Markets Industry

Max: 38.97%
Q3: 21.61%
Median: 13.77%
Q1: 8.31%
Min: -4.25%

In the upper quartile for the Capital Markets industry, FUTU’s Return on Equity of 23.06% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.

COF vs. FUTU: A comparison of their Return on Equity (TTM) against their respective Consumer Finance and Capital Markets industry benchmarks.

Net Profit Margin (TTM)

COF

14.90%

Consumer Finance Industry

Max: 19.68%
Q3: 15.94%
Median: 13.37%
Q1: 9.73%
Min: 3.66%

COF’s Net Profit Margin of 14.90% is aligned with the median group of its peers in the Consumer Finance industry. This indicates its ability to convert revenue into profit is typical for the sector.

FUTU

40.05%

Capital Markets Industry

Max: 66.67%
Q3: 35.11%
Median: 23.49%
Q1: 13.63%
Min: -15.18%

A Net Profit Margin of 40.05% places FUTU in the upper quartile for the Capital Markets industry, signifying strong profitability and more effective cost management than most of its peers.

COF vs. FUTU: A comparison of their Net Profit Margin (TTM) against their respective Consumer Finance and Capital Markets industry benchmarks.

Operating Profit Margin (TTM)

COF

18.33%

Consumer Finance Industry

Max: 50.11%
Q3: 29.38%
Median: 18.31%
Q1: 14.26%
Min: -5.45%

COF’s Operating Profit Margin of 18.33% is around the midpoint for the Consumer Finance industry, indicating that its efficiency in managing core business operations is typical for the sector.

FUTU

48.72%

Capital Markets Industry

Max: 86.40%
Q3: 46.46%
Median: 32.80%
Q1: 18.32%
Min: -21.87%

An Operating Profit Margin of 48.72% places FUTU in the upper quartile for the Capital Markets industry. This signals a strong ability to translate revenue into operating profit, outperforming most of its competitors in core business efficiency.

COF vs. FUTU: A comparison of their Operating Profit Margin (TTM) against their respective Consumer Finance and Capital Markets industry benchmarks.

Profitability at a Glance

Symbol	COF	FUTU
Return on Equity (TTM)	0.00%	23.06%
Return on Assets (TTM)	0.00%	4.34%
Net Profit Margin (TTM)	14.90%	40.05%
Operating Profit Margin (TTM)	18.33%	48.72%
Gross Profit Margin (TTM)	--	82.01%

Financial Strength

Current Ratio (MRQ)

COF

Consumer Finance Industry

Max: 5.34
Q3: 4.21
Median: 2.67
Q1: 0.71
Min: 0.20

For the Consumer Finance industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

FUTU

1.18

Capital Markets Industry

Max: 3.76
Q3: 1.89
Median: 1.01
Q1: 0.54
Min: -0.41

For the Capital Markets industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

COF vs. FUTU: A comparison of their Current Ratio (MRQ) against their respective Consumer Finance and Capital Markets industry benchmarks.

Debt-to-Equity Ratio (MRQ)

COF

0.47

Consumer Finance Industry

Max: 6.63
Q3: 3.39
Median: 2.21
Q1: 0.94
Min: 0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Consumer Finance industry.

FUTU

0.36

Capital Markets Industry

Max: 6.62
Q3: 2.84
Median: 1.02
Q1: 0.32
Min: 0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Capital Markets industry.

COF vs. FUTU: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Consumer Finance and Capital Markets industry benchmarks.

Interest Coverage Ratio (TTM)

COF

Consumer Finance Industry

Max: 49.63
Q3: 39.33
Median: 4.56
Q1: 2.97
Min: -15.69

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Consumer Finance industry.

FUTU

4,725.16

Capital Markets Industry

Max: 126.03
Q3: 60.98
Median: 11.77
Q1: 4.95
Min: -36.26

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Capital Markets industry.

COF vs. FUTU: A comparison of their Interest Coverage Ratio (TTM) against their respective Consumer Finance and Capital Markets industry benchmarks.

Financial Strength at a Glance

Symbol	COF	FUTU
Current Ratio (MRQ)	--	1.18
Quick Ratio (MRQ)	--	1.18
Debt-to-Equity Ratio (MRQ)	0.47	0.36
Interest Coverage Ratio (TTM)	--	4,725.16

Growth

Revenue Growth

COF vs. FUTU: A side-by-side comparison of their Revenue Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

EPS Growth

COF vs. FUTU: A side-by-side comparison of their EPS Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

Dividend

Dividend Yield (TTM)

COF

0.95%

Consumer Finance Industry

Max: 8.31%
Q3: 3.93%
Median: 2.51%
Q1: 0.84%
Min: 0.00%

COF’s Dividend Yield of 0.95% is consistent with its peers in the Consumer Finance industry, providing a dividend return that is standard for its sector.

FUTU

0.00%

Capital Markets Industry

Max: 10.26%
Q3: 4.86%
Median: 2.78%
Q1: 1.22%
Min: 0.00%

FUTU currently does not pay a dividend, resulting in a yield of 0%. This is a common strategy for growth-focused companies that prioritize reinvesting earnings, though it may be less typical in mature, income-oriented sectors.

COF vs. FUTU: A comparison of their Dividend Yield (TTM) against their respective Consumer Finance and Capital Markets industry benchmarks.

Dividend Payout Ratio (TTM)

COF

23.78%

Consumer Finance Industry

Max: 145.89%
Q3: 88.53%
Median: 23.79%
Q1: 0.00%
Min: 0.00%

COF’s Dividend Payout Ratio of 23.78% is within the typical range for the Consumer Finance industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

FUTU

0.00%

Capital Markets Industry

Max: 200.72%
Q3: 101.92%
Median: 57.97%
Q1: 32.36%
Min: 0.00%

FUTU has a Dividend Payout Ratio of 0%, indicating it does not currently pay a dividend. This is a common strategy for growth-oriented companies that reinvest all profits back into the business.

COF vs. FUTU: A comparison of their Dividend Payout Ratio (TTM) against their respective Consumer Finance and Capital Markets industry benchmarks.

Dividend at a Glance

Symbol	COF	FUTU
Dividend Yield (TTM)	0.95%	0.00%
Dividend Payout Ratio (TTM)	23.78%	0.00%

Valuation

Price-to-Earnings Ratio (TTM)

COF

28.43

Consumer Finance Industry

Max: 34.39
Q3: 20.36
Median: 13.05
Q1: 9.29
Min: 4.74

A P/E Ratio of 28.43 places COF in the upper quartile for the Consumer Finance industry. This high valuation relative to peers suggests the market holds elevated expectations for the company’s future growth.

FUTU

8.80

Capital Markets Industry

Max: 58.89
Q3: 31.00
Median: 18.54
Q1: 12.09
Min: 5.24

In the lower quartile for the Capital Markets industry, FUTU’s P/E Ratio of 8.80 suggests the stock may be undervalued compared to its peers, potentially presenting an attractive entry point for investors.

COF vs. FUTU: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Consumer Finance and Capital Markets industry benchmarks.

Price-to-Sales Ratio (TTM)

COF

1.12

Consumer Finance Industry

Max: 4.28
Q3: 2.67
Median: 1.88
Q1: 1.15
Min: 0.55

In the lower quartile for the Consumer Finance industry, COF’s P/S Ratio of 1.12 indicates its revenue is valued more conservatively than most of its peers. This could present a compelling opportunity if the market has overlooked its sales-generating capabilities.

FUTU

4.24

Capital Markets Industry

Max: 14.49
Q3: 7.41
Median: 4.68
Q1: 2.25
Min: 0.04

FUTU’s P/S Ratio of 4.24 aligns with the market consensus for the Capital Markets industry. This suggests its valuation, based on sales, is seen as standard and is on par with its competitors.

COF vs. FUTU: A comparison of their Price-to-Sales Ratio (TTM) against their respective Consumer Finance and Capital Markets industry benchmarks.

Price-to-Book Ratio (MRQ)

COF

1.23

Consumer Finance Industry

Max: 3.63
Q3: 2.40
Median: 1.96
Q1: 1.16
Min: 0.26

COF’s P/B Ratio of 1.23 is within the conventional range for the Consumer Finance industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.

FUTU

2.51

Capital Markets Industry

Max: 9.48
Q3: 4.94
Median: 2.42
Q1: 1.21
Min: 0.38

FUTU’s P/B Ratio of 2.51 is within the conventional range for the Capital Markets industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.

COF vs. FUTU: A comparison of their Price-to-Book Ratio (MRQ) against their respective Consumer Finance and Capital Markets industry benchmarks.

Valuation at a Glance

Symbol	COF	FUTU
Price-to-Earnings Ratio (TTM)	28.43	8.80
Price-to-Sales Ratio (TTM)	1.12	4.24
Price-to-Book Ratio (MRQ)	1.23	2.51
Price-to-Free Cash Flow Ratio (TTM)	7.60	2.82