COF vs. LPLA: Capital One Financial vs. LPL Financial Stock Comparison
How do Capital One Financial (COF) and LPL Financial (LPLA) 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 LPL Financial (LPLA) both fall under the Financial Services industry group, but COF is classified in Consumer Finance while LPLA is classified in Capital Markets.
| Profile Item | COF | LPLA |
|---|---|---|
| Name | Capital One Financial Corp. | LPL Financial Holdings Inc. |
| 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 | 23.01 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | Nasdaq |
| Listing Date | November 16, 1994 | November 18, 2010 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | COF | LPLA |
|---|---|---|
| Total Return (1Y) | -5.89% | -17.27% |
| Total Return (3Y, Annualized) | 26.49% | 11.10% |
| Total Return (5Y, Annualized) | 7.24% | 13.92% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | COF | LPLA |
|---|---|---|
| Volatility (1Y, Annualized) | 31.21% | 39.22% |
| Beta (5Y) | 1.09 | 0.52 |
| Max Drawdown (5Y) | -45.56% | -33.18% |
| Avg. Volume (3M) | 3.66M | 855.76K |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | COF | LPLA |
|---|---|---|
| Sharpe Ratio (1Y) | -0.33 | -0.55 |
| Sortino Ratio (1Y) | -0.43 | -0.70 |
Profitability
ROE (TTM)
LPL Financial (LPLA) at 25.66% sits in the top ROE quartile, while Capital One Financial (COF) at 9.39% is closer to the peer norm — stronger capital efficiency for LPLA.
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%
LPLA
Financial Services industry group
25.66%
- Max
- 44.78%
- LPLA
- 25.66%
- Q3
- 21.85%
- Median
- 12.91%
- Q1
- 4.48%
- Min
- -18.71%
Net Margin (TTM)
Both Capital One Financial (COF) at 22.23% and LPL Financial (LPLA) at 6.97% 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%
LPLA
Financial Services industry group
6.97%
- Max
- 62.84%
- Q3
- 28.05%
- Median
- 15.36%
- LPLA
- 6.97%
- 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 LPL Financial (LPLA) at 10.85% 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%
LPLA
Financial Services industry group
10.85%
- Max
- 107.33%
- Q3
- 55.90%
- Median
- 30.09%
- Q1
- 14.60%
- LPLA
- 10.85%
- Min
- -44.34%
Profitability Metrics
| Metric | COF | LPLA |
|---|---|---|
| ROE (TTM) | 9.39% | 25.66% |
| ROA (TTM) | 1.57% | 7.35% |
| Net Margin (TTM) | 22.23% | 6.97% |
| Operating Margin (TTM) | 37.83% | 10.85% |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Both Capital One Financial (COF) at 36.62% and LPL Financial (LPLA) at 37.18% sit in the top peer quartile for revenue growth, so each is growing its top line faster than typical industry peers.
EPS Growth
LPL Financial (LPLA) at -22.17% 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 | LPLA |
|---|---|---|
| Revenue Growth (YoY) | 36.62% | 37.18% |
| Revenue Growth (3Y CAGR) | 15.98% | 25.47% |
| EPS Growth (YoY) | -65.23% | -22.17% |
| EPS Growth (3Y CAGR) | -39.18% | 1.64% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Capital One Financial (COF) in Financial Services and LPL Financial (LPLA) 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 LPL Financial (LPLA) 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 | LPLA |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Both Capital One Financial (COF) at 1.57% and LPL Financial (LPLA) at 0.40% 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%
LPLA
Financial Services industry group
0.40%
- Max
- 9.77%
- Q3
- 3.92%
- Median
- 1.09%
- LPLA
- 0.40%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Both Capital One Financial (COF) at 19.61% and LPL Financial (LPLA) at 6.88% 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%
LPLA
Financial Services industry group
6.88%
- Max
- 241.07%
- Q3
- 97.36%
- Median
- 25.77%
- LPLA
- 6.88%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | COF | LPLA |
|---|---|---|
| Dividend Yield (TTM) | 1.57% | 0.40% |
| Dividend Payout Ratio (TTM) | 19.61% | 6.88% |
Valuation
P/E Ratio (TTM)
Both Capital One Financial (COF) at 12.37 and LPL Financial (LPLA) at 16.93 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
LPLA
Financial Services industry group
16.93
- Max
- 45.85
- Q3
- 24.64
- LPLA
- 16.93
- Median
- 15.37
- Q1
- 9.68
- Min
- 0.16
P/S Ratio (TTM)
LPL Financial (LPLA) at 1.15 sits in the cheaper P/S ratio quartile while Capital One Financial (COF) at 2.48 prices around its industry’s middle — LPLA 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
LPLA
Financial Services industry group
1.15
- Max
- 9.23
- Q3
- 4.57
- Median
- 2.72
- Q1
- 1.28
- LPLA
- 1.15
- 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 LPL Financial (LPLA) at 3.98 carries an above-peer premium to book — LPLA 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
LPLA
Financial Services industry group
3.98
- Max
- 7.79
- LPLA
- 3.98
- Q3
- 3.63
- Median
- 1.57
- Q1
- 0.81
- Min
- -0.39
Valuation Metrics
| Metric | COF | LPLA |
|---|---|---|
| P/E Ratio (TTM) | 12.37 | 16.93 |
| P/S Ratio (TTM) | 2.48 | 1.15 |
| P/B Ratio (MRQ) | 1.15 | 3.98 |
| Free Cash Flow Yield (TTM) | -- | -- |