COF vs. GPN: Capital One Financial vs. Global Payments Stock Comparison
How do Capital One Financial (COF) and Global Payments (GPN) 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 Global Payments (GPN) both fall under the Financial Services industry group, but COF is classified in Consumer Finance while GPN is classified in Financial Services.
| Profile Item | COF | GPN |
|---|---|---|
| Name | Capital One Financial Corp. | Global Payments 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 | 25.78 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | November 16, 1994 | January 16, 2001 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | COF | GPN |
|---|---|---|
| Total Return (1Y) | -5.89% | 31.53% |
| Total Return (3Y, Annualized) | 26.49% | -1.66% |
| Total Return (5Y, Annualized) | 7.24% | -4.82% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | COF | GPN |
|---|---|---|
| Volatility (1Y, Annualized) | 31.21% | 42.00% |
| Beta (5Y) | 1.09 | 0.80 |
| Max Drawdown (5Y) | -45.56% | -57.06% |
| Avg. Volume (3M) | 3.66M | 2.69M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | COF | GPN |
|---|---|---|
| Sharpe Ratio (1Y) | -0.33 | 0.65 |
| Sortino Ratio (1Y) | -0.43 | 1.10 |
Profitability
ROE (TTM)
Capital One Financial (COF) at 9.39% is around its peer norm for ROE, while Global Payments (GPN) at 0.84% drops into the bottom quartile, signaling weaker returns on shareholders’ equity.
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%
GPN
Financial Services industry group
0.84%
- Max
- 44.78%
- Q3
- 21.85%
- Median
- 12.91%
- Q1
- 4.48%
- GPN
- 0.84%
- Min
- -18.71%
Net Margin (TTM)
Global Payments (GPN) reports a negative net margin of -11.21%, usually indicating a net loss over the period. Meanwhile Capital One Financial (COF) reports 22.23%, ranking against industry peers normally.
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%
GPN
Financial Services industry group
-11.21%
- Max
- 62.84%
- Q3
- 28.05%
- Median
- 15.36%
- Q1
- 4.82%
- GPN
- -11.21%
- Min
- -28.52%
Operating Margin (TTM)
Both Capital One Financial (COF) at 37.83% and Global Payments (GPN) at 15.73% 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%
GPN
Financial Services industry group
15.73%
- Max
- 107.33%
- Q3
- 55.90%
- Median
- 30.09%
- GPN
- 15.73%
- Q1
- 14.60%
- Min
- -44.34%
Profitability Metrics
| Metric | COF | GPN |
|---|---|---|
| ROE (TTM) | 9.39% | 0.84% |
| ROA (TTM) | 1.57% | 2.24% |
| Net Margin (TTM) | 22.23% | -11.21% |
| Operating Margin (TTM) | 37.83% | 15.73% |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Capital One Financial (COF) at 36.62% sits in the top revenue growth quartile, while Global Payments (GPN) at -0.39% is in the bottom quartile, showing a clear gap in revenue momentum.
EPS Growth
Global Payments (GPN) at -6.17% 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 | GPN |
|---|---|---|
| Revenue Growth (YoY) | 36.62% | -0.39% |
| Revenue Growth (3Y CAGR) | 15.98% | -4.96% |
| EPS Growth (YoY) | -65.23% | -6.17% |
| EPS Growth (3Y CAGR) | -39.18% | 143.57% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Capital One Financial (COF) in Financial Services and Global Payments (GPN) 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 Global Payments (GPN) 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 | GPN |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Both Capital One Financial (COF) at 1.57% and Global Payments (GPN) at 1.05% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.
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%
GPN
Financial Services industry group
1.05%
- Max
- 9.77%
- Q3
- 3.92%
- Median
- 1.09%
- GPN
- 1.05%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Global Payments (GPN) reports payout ratio above 100% at 178.57%, meaning dividends exceeded current-period earnings and sustainability needs extra context. Meanwhile Capital One Financial (COF) reports 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%
GPN
Financial Services industry group
178.57%
- Max
- 241.07%
- GPN
- 178.57%
- Q3
- 97.36%
- Median
- 25.77%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | COF | GPN |
|---|---|---|
| Dividend Yield (TTM) | 1.57% | 1.05% |
| Dividend Payout Ratio (TTM) | 19.61% | 178.57% |
Valuation
P/E Ratio (TTM)
Capital One Financial (COF) at 12.37 is near its industry’s usual P/E ratio, while Global Payments (GPN) at 173.93 sits above its peer range — an unusually expensive price for GPN’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
GPN
Financial Services industry group
173.93
- GPN
- 173.93
- Max
- 45.85
- Q3
- 24.64
- Median
- 15.37
- Q1
- 9.68
- Min
- 0.16
P/S Ratio (TTM)
On P/S ratio, both Capital One Financial (COF) at 2.48 and Global Payments (GPN) at 2.24 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.
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
GPN
Financial Services industry group
2.24
- Max
- 9.23
- Q3
- 4.57
- Median
- 2.72
- GPN
- 2.24
- Q1
- 1.28
- Min
- -0.55
P/B Ratio (MRQ)
On P/B ratio, both Capital One Financial (COF) at 1.15 and Global Payments (GPN) at 1.11 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
GPN
Financial Services industry group
1.11
- Max
- 7.79
- Q3
- 3.63
- Median
- 1.57
- GPN
- 1.11
- Q1
- 0.81
- Min
- -0.39
Valuation Metrics
| Metric | COF | GPN |
|---|---|---|
| P/E Ratio (TTM) | 12.37 | 173.93 |
| P/S Ratio (TTM) | 2.48 | 2.24 |
| P/B Ratio (MRQ) | 1.15 | 1.11 |
| Free Cash Flow Yield (TTM) | -- | -- |