Seek Returns logo

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

Updated on

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

Company Profile

SymbolCOFMARA
Company NameCapital One Financial CorporationMARA Holdings, Inc.
CountryUnited StatesUnited States
GICS SectorFinancialsInformation Technology
GICS IndustryConsumer FinanceSoftware
Market Capitalization137.11 billion USD6.97 billion USD
ExchangeNYSENasdaqCM
Listing DateNovember 16, 1994May 4, 2012
Security TypeCommon StockCommon Stock

Historical Performance

This chart compares the performance of COF and MARA 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. MARA: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

SymbolCOFMARA
5-Day Price Return-4.11%0.86%
13-Week Price Return-2.95%6.57%
26-Week Price Return19.58%63.65%
52-Week Price Return46.33%23.73%
Month-to-Date Return0.86%3.07%
Year-to-Date Return20.23%12.22%
10-Day Avg. Volume3.74M70.68M
3-Month Avg. Volume3.63M52.72M
3-Month Volatility24.67%62.70%
Beta1.195.44

Profitability

Return on Equity (TTM)

COF

0.00%

Consumer Finance Industry

Max
32.87%
Q3
21.72%
Median
12.80%
Q1
9.07%
Min
-3.88%

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.

MARA

17.52%

Software Industry

Max
66.28%
Q3
21.28%
Median
9.33%
Q1
-8.77%
Min
-48.16%

MARA’s Return on Equity of 17.52% is on par with the norm for the Software industry, indicating its profitability relative to shareholder equity is typical for the sector.

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

Net Profit Margin (TTM)

COF

14.90%

Consumer Finance Industry

Max
19.68%
Q3
17.11%
Median
13.55%
Q1
9.71%
Min
-0.75%

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.

MARA

85.02%

Software Industry

Max
51.92%
Q3
19.23%
Median
6.98%
Q1
-7.14%
Min
-41.00%

MARA’s Net Profit Margin of 85.02% is exceptionally high, placing it well beyond the typical range for the Software industry. This demonstrates outstanding operational efficiency and a strong competitive advantage in converting revenue into profit.

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

Operating Profit Margin (TTM)

COF

18.33%

Consumer Finance Industry

Max
50.11%
Q3
32.02%
Median
19.92%
Q1
14.90%
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.

MARA

40.16%

Software Industry

Max
60.40%
Q3
21.25%
Median
9.90%
Q1
-4.97%
Min
-43.50%

An Operating Profit Margin of 40.16% places MARA in the upper quartile for the Software industry. This signals a strong ability to translate revenue into operating profit, outperforming most of its competitors in core business efficiency.

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

Profitability at a Glance

SymbolCOFMARA
Return on Equity (TTM)0.00%17.52%
Return on Assets (TTM)0.00%11.06%
Net Profit Margin (TTM)14.90%85.02%
Operating Profit Margin (TTM)18.33%40.16%
Gross Profit Margin (TTM)---26.24%

Financial Strength

Current Ratio (MRQ)

COF

--

Consumer Finance Industry

Max
7.85
Q3
4.26
Median
2.28
Q1
0.82
Min
0.07

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

MARA

0.54

Software Industry

Max
4.29
Q3
2.37
Median
1.40
Q1
1.03
Min
0.25

MARA’s Current Ratio of 0.54 falls into the lower quartile for the Software industry. This indicates a tighter liquidity situation and a more constrained capacity to handle short-term debt than many of its competitors.

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

Debt-to-Equity Ratio (MRQ)

COF

0.47

Consumer Finance Industry

Max
6.63
Q3
3.60
Median
2.40
Q1
0.99
Min
0.23

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

MARA

0.54

Software Industry

Max
2.16
Q3
0.86
Median
0.31
Q1
0.00
Min
0.00

MARA’s Debt-to-Equity Ratio of 0.54 is typical for the Software industry, indicating its use of leverage is in line with the sector norm. This suggests a balanced approach to its capital structure.

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

Interest Coverage Ratio (TTM)

COF

--

Consumer Finance Industry

Max
49.63
Q3
28.11
Median
4.75
Q1
2.86
Min
-15.69

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

MARA

10.78

Software Industry

Max
89.65
Q3
32.64
Median
1.00
Q1
-9.84
Min
-71.23

MARA’s Interest Coverage Ratio of 10.78 is positioned comfortably within the norm for the Software industry, indicating a standard and healthy capacity to cover its interest payments.

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

Financial Strength at a Glance

SymbolCOFMARA
Current Ratio (MRQ)--0.54
Quick Ratio (MRQ)--0.44
Debt-to-Equity Ratio (MRQ)0.470.54
Interest Coverage Ratio (TTM)--10.78

Growth

Revenue Growth

COF vs. MARA: 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. MARA: 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

0.97%

Consumer Finance Industry

Max
7.21%
Q3
3.38%
Median
2.39%
Q1
0.67%
Min
0.00%

COF’s Dividend Yield of 0.97% is consistent with its peers in the Consumer Finance industry, providing a dividend return that is standard for its sector.

MARA

0.00%

Software Industry

Max
0.22%
Q3
0.11%
Median
0.00%
Q1
0.00%
Min
0.00%

MARA 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. MARA: A comparison of their Dividend Yield (TTM) against their respective Consumer Finance and Software industry benchmarks.

Dividend Payout Ratio (TTM)

COF

23.78%

Consumer Finance Industry

Max
145.89%
Q3
88.89%
Median
25.97%
Q1
9.25%
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.

MARA

0.00%

Software Industry

Max
3.29%
Q3
2.41%
Median
0.00%
Q1
0.00%
Min
0.00%

MARA 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. MARA: A comparison of their Dividend Payout Ratio (TTM) against their respective Consumer Finance and Software industry benchmarks.

Dividend at a Glance

SymbolCOFMARA
Dividend Yield (TTM)0.97%0.00%
Dividend Payout Ratio (TTM)23.78%0.00%

Valuation

Price-to-Earnings Ratio (TTM)

COF

28.11

Consumer Finance Industry

Max
35.93
Q3
20.63
Median
12.65
Q1
9.73
Min
3.96

A P/E Ratio of 28.11 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.

MARA

10.32

Software Industry

Max
145.74
Q3
94.88
Median
45.35
Q1
26.66
Min
8.80

In the lower quartile for the Software industry, MARA’s P/E Ratio of 10.32 suggests the stock may be undervalued compared to its peers, potentially presenting an attractive entry point for investors.

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

Price-to-Sales Ratio (TTM)

COF

1.12

Consumer Finance Industry

Max
3.79
Q3
2.71
Median
1.91
Q1
1.14
Min
0.61

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.

MARA

8.78

Software Industry

Max
25.67
Q3
13.68
Median
8.28
Q1
4.95
Min
0.90

MARA’s P/S Ratio of 8.78 aligns with the market consensus for the Software industry. This suggests its valuation, based on sales, is seen as standard and is on par with its competitors.

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

Price-to-Book Ratio (MRQ)

COF

1.23

Consumer Finance Industry

Max
3.80
Q3
2.83
Median
2.02
Q1
1.18
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.

MARA

1.15

Software Industry

Max
30.67
Q3
14.92
Median
8.52
Q1
3.89
Min
0.38

MARA’s P/B Ratio of 1.15 is in the lower quartile for the Software industry. From a value investing perspective, this is favorable, as it suggests the stock is trading at a discount to its net asset value and may offer a greater margin of safety.

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

Valuation at a Glance

SymbolCOFMARA
Price-to-Earnings Ratio (TTM)28.1110.32
Price-to-Sales Ratio (TTM)1.128.78
Price-to-Book Ratio (MRQ)1.231.15
Price-to-Free Cash Flow Ratio (TTM)7.521,751.80