COF vs. TROW: Capital One Financial vs. T. Rowe Price Stock Comparison
How do Capital One Financial (COF) and T. Rowe Price (TROW) 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 T. Rowe Price (TROW) both fall under the Financial Services industry group, but COF is classified in Consumer Finance while TROW is classified in Capital Markets.
| Profile Item | COF | TROW |
|---|---|---|
| Name | Capital One Financial Corp. | T. Rowe Price Group 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 | Asset Management & Custody Banks |
| Market Capitalization | 121.43 billion USD | 23.13 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | Nasdaq |
| Listing Date | November 16, 1994 | April 2, 1986 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | COF | TROW |
|---|---|---|
| Total Return (1Y) | -5.89% | 14.59% |
| Total Return (3Y, Annualized) | 26.49% | 11.26% |
| Total Return (5Y, Annualized) | 7.24% | -8.60% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | COF | TROW |
|---|---|---|
| Volatility (1Y, Annualized) | 31.21% | 24.99% |
| Beta (5Y) | 1.09 | 1.39 |
| Max Drawdown (5Y) | -45.56% | -57.57% |
| Avg. Volume (3M) | 3.66M | 1.72M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | COF | TROW |
|---|---|---|
| Sharpe Ratio (1Y) | -0.33 | 0.41 |
| Sortino Ratio (1Y) | -0.43 | 0.58 |
Profitability
ROE (TTM)
Both Capital One Financial (COF) at 9.39% and T. Rowe Price (TROW) at 18.20% 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%
TROW
Financial Services industry group
18.20%
- Max
- 44.78%
- Q3
- 21.85%
- TROW
- 18.20%
- Median
- 12.91%
- Q1
- 4.48%
- Min
- -18.71%
Net Margin (TTM)
T. Rowe Price (TROW) at 28.40% retains a top-quartile share of revenue as profit, ahead of Capital One Financial (COF) at 22.23%, which keeps about the industry-typical share.
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%
TROW
Financial Services industry group
28.40%
- Max
- 62.84%
- TROW
- 28.40%
- Q3
- 28.05%
- Median
- 15.36%
- Q1
- 4.82%
- Min
- -28.52%
Operating Margin (TTM)
Both Capital One Financial (COF) at 37.83% and T. Rowe Price (TROW) at 38.60% 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%
TROW
Financial Services industry group
38.60%
- Max
- 107.33%
- Q3
- 55.90%
- TROW
- 38.60%
- Median
- 30.09%
- Q1
- 14.60%
- Min
- -44.34%
Profitability Metrics
| Metric | COF | TROW |
|---|---|---|
| ROE (TTM) | 9.39% | 18.20% |
| ROA (TTM) | 1.57% | 10.67% |
| Net Margin (TTM) | 22.23% | 28.40% |
| Operating Margin (TTM) | 37.83% | 38.60% |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Capital One Financial (COF) at 36.62% sits in the top revenue growth quartile, while T. Rowe Price (TROW) at 3.12% is closer to the peer norm — faster top-line expansion for COF.
EPS Growth
T. Rowe Price (TROW) at 0.98% 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 | TROW |
|---|---|---|
| Revenue Growth (YoY) | 36.62% | 3.12% |
| Revenue Growth (3Y CAGR) | 15.98% | 4.08% |
| EPS Growth (YoY) | -65.23% | 0.98% |
| EPS Growth (3Y CAGR) | -39.18% | 11.31% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Capital One Financial (COF) in Financial Services and T. Rowe Price (TROW) 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 T. Rowe Price (TROW) 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 | TROW |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
T. Rowe Price (TROW) at 4.76% delivers top-quartile income for its industry, while Capital One Financial (COF) at 1.57% pays a more typical yield — both are credible income propositions, TROW the richer one.
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%
TROW
Financial Services industry group
4.76%
- Max
- 9.77%
- TROW
- 4.76%
- Q3
- 3.92%
- Median
- 1.09%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Both Capital One Financial (COF) at 19.61% and T. Rowe Price (TROW) at 52.33% 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%
TROW
Financial Services industry group
52.33%
- Max
- 241.07%
- Q3
- 97.36%
- TROW
- 52.33%
- Median
- 25.77%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | COF | TROW |
|---|---|---|
| Dividend Yield (TTM) | 1.57% | 4.76% |
| Dividend Payout Ratio (TTM) | 19.61% | 52.33% |
Valuation
P/E Ratio (TTM)
Both Capital One Financial (COF) at 12.37 and T. Rowe Price (TROW) at 10.97 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
TROW
Financial Services industry group
10.97
- Max
- 45.85
- Q3
- 24.64
- Median
- 15.37
- TROW
- 10.97
- Q1
- 9.68
- Min
- 0.16
P/S Ratio (TTM)
On P/S ratio, both Capital One Financial (COF) at 2.48 and T. Rowe Price (TROW) at 3.00 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
TROW
Financial Services industry group
3.00
- Max
- 9.23
- Q3
- 4.57
- TROW
- 3.00
- 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 T. Rowe Price (TROW) at 2.03 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
TROW
Financial Services industry group
2.03
- Max
- 7.79
- Q3
- 3.63
- TROW
- 2.03
- Median
- 1.57
- Q1
- 0.81
- Min
- -0.39
Valuation Metrics
| Metric | COF | TROW |
|---|---|---|
| P/E Ratio (TTM) | 12.37 | 10.97 |
| P/S Ratio (TTM) | 2.48 | 3.00 |
| P/B Ratio (MRQ) | 1.15 | 2.03 |
| Free Cash Flow Yield (TTM) | -- | -- |