COF vs. MS: Capital One Financial vs. Morgan Stanley Stock Comparison
How do Capital One Financial (COF) and Morgan Stanley (MS) 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 Morgan Stanley (MS) both fall under the Financial Services industry group, but COF is classified in Consumer Finance while MS is classified in Capital Markets.
| Profile Item | COF | MS |
|---|---|---|
| Name | Capital One Financial Corp. | Morgan Stanley Common Stock |
| 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 | 283.60 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | November 16, 1994 | February 23, 1993 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | COF | MS |
|---|---|---|
| Total Return (1Y) | -5.89% | 19.44% |
| Total Return (3Y, Annualized) | 26.49% | 40.69% |
| Total Return (5Y, Annualized) | 7.24% | 17.38% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | COF | MS |
|---|---|---|
| Volatility (1Y, Annualized) | 31.21% | 29.73% |
| Beta (5Y) | 1.09 | 1.21 |
| Max Drawdown (5Y) | -45.56% | -32.38% |
| Avg. Volume (3M) | 3.66M | 5.37M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | COF | MS |
|---|---|---|
| Sharpe Ratio (1Y) | -0.33 | 0.51 |
| Sortino Ratio (1Y) | -0.43 | 0.73 |
Profitability
ROE (TTM)
Both Capital One Financial (COF) at 9.39% and Morgan Stanley (MS) at 18.04% land near their industries’ usual ROE ranges, so capital efficiency looks broadly in line with peers on both sides.
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%
MS
Financial Services industry group
18.04%
- Max
- 44.78%
- Q3
- 21.85%
- MS
- 18.04%
- Median
- 12.91%
- Q1
- 4.48%
- Min
- -18.71%
Net Margin (TTM)
Both Capital One Financial (COF) at 22.23% and Morgan Stanley (MS) at 25.63% 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%
MS
Financial Services industry group
25.63%
- Max
- 62.84%
- Q3
- 28.05%
- MS
- 25.63%
- Median
- 15.36%
- Q1
- 4.82%
- Min
- -28.52%
Operating Margin (TTM)
Both Capital One Financial (COF) at 37.83% and Morgan Stanley (MS) at 39.00% 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%
MS
Financial Services industry group
39.00%
- Max
- 107.33%
- Q3
- 55.90%
- MS
- 39.00%
- Median
- 30.09%
- Q1
- 14.60%
- Min
- -44.34%
Profitability Metrics
| Metric | COF | MS |
|---|---|---|
| ROE (TTM) | 9.39% | 18.04% |
| ROA (TTM) | 1.57% | 1.35% |
| Net Margin (TTM) | 22.23% | 25.63% |
| Operating Margin (TTM) | 37.83% | 39.00% |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Capital One Financial (COF) at 36.62% sits in the top revenue growth quartile, while Morgan Stanley (MS) at 14.48% is closer to the peer norm — faster top-line expansion for COF.
EPS Growth
Morgan Stanley (MS) at 28.43% 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 | MS |
|---|---|---|
| Revenue Growth (YoY) | 36.62% | 14.48% |
| Revenue Growth (3Y CAGR) | 15.98% | 9.52% |
| EPS Growth (YoY) | -65.23% | 28.43% |
| EPS Growth (3Y CAGR) | -39.18% | 18.41% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Capital One Financial (COF) in Financial Services and Morgan Stanley (MS) 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 Morgan Stanley (MS) 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 | MS |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Both Capital One Financial (COF) at 1.57% and Morgan Stanley (MS) at 2.40% 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%
MS
Financial Services industry group
2.40%
- Max
- 9.77%
- Q3
- 3.92%
- MS
- 2.40%
- Median
- 1.09%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Both Capital One Financial (COF) at 19.61% and Morgan Stanley (MS) at 32.91% 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%
MS
Financial Services industry group
32.91%
- Max
- 241.07%
- Q3
- 97.36%
- MS
- 32.91%
- Median
- 25.77%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | COF | MS |
|---|---|---|
| Dividend Yield (TTM) | 1.57% | 2.40% |
| Dividend Payout Ratio (TTM) | 19.61% | 32.91% |
Valuation
P/E Ratio (TTM)
Both Capital One Financial (COF) at 12.37 and Morgan Stanley (MS) at 14.39 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
MS
Financial Services industry group
14.39
- Max
- 45.85
- Q3
- 24.64
- Median
- 15.37
- MS
- 14.39
- Q1
- 9.68
- Min
- 0.16
P/S Ratio (TTM)
On P/S ratio, both Capital One Financial (COF) at 2.48 and Morgan Stanley (MS) at 3.55 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
MS
Financial Services industry group
3.55
- Max
- 9.23
- Q3
- 4.57
- MS
- 3.55
- Median
- 2.72
- Q1
- 1.28
- Min
- -0.55
P/B Ratio (MRQ)
On P/B ratio, both Capital One Financial (COF) at 1.15 and Morgan Stanley (MS) at 2.65 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
MS
Financial Services industry group
2.65
- Max
- 7.79
- Q3
- 3.63
- MS
- 2.65
- Median
- 1.57
- Q1
- 0.81
- Min
- -0.39
Valuation Metrics
| Metric | COF | MS |
|---|---|---|
| P/E Ratio (TTM) | 12.37 | 14.39 |
| P/S Ratio (TTM) | 2.48 | 3.55 |
| P/B Ratio (MRQ) | 1.15 | 2.65 |
| Free Cash Flow Yield (TTM) | -- | -- |