COF vs. UBS: Capital One Financial vs. UBS Stock Comparison
How do Capital One Financial (COF) and UBS (UBS) 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 UBS (UBS) both fall under the Financial Services industry group, but COF is classified in Consumer Finance while UBS is classified in Capital Markets.
| Profile Item | COF | UBS |
|---|---|---|
| Name | Capital One Financial Corp. | UBS Group AG |
| Country/Region | United States | Switzerland |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Financial Services | Financial Services |
| GICS Industry | Consumer Finance | Capital Markets |
| GICS Sub-Industry | Consumer Finance | Diversified Capital Markets |
| Market Capitalization | 121.43 billion USD | 144.79 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | November 16, 1994 | May 16, 2000 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | COF | UBS |
|---|---|---|
| Total Return (1Y) | -5.89% | 30.78% |
| Total Return (3Y, Annualized) | 26.49% | 29.39% |
| Total Return (5Y, Annualized) | 7.24% | 25.00% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | COF | UBS |
|---|---|---|
| Volatility (1Y, Annualized) | 31.21% | 27.78% |
| Beta (5Y) | 1.09 | 1.15 |
| Max Drawdown (5Y) | -45.56% | -32.48% |
| Avg. Volume (3M) | 3.66M | 1.93M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | COF | UBS |
|---|---|---|
| Sharpe Ratio (1Y) | -0.33 | 0.95 |
| Sortino Ratio (1Y) | -0.43 | 1.44 |
Profitability
ROE (TTM)
Capital efficiency shows on one side only: Capital One Financial (COF) earns 9.39% on shareholders’ equity, ranked against its industry; UBS (UBS) has no ROE this period.
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%
UBS
Financial Services industry group
--
- Max
- 44.78%
- Q3
- 21.85%
- Median
- 12.91%
- Q1
- 4.48%
- Min
- -18.71%
- UBS
- --
Net Margin (TTM)
Both Capital One Financial (COF) at 22.23% and UBS (UBS) at 18.18% 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%
UBS
Financial Services industry group
18.18%
- Max
- 62.84%
- Q3
- 28.05%
- UBS
- 18.18%
- Median
- 15.36%
- Q1
- 4.82%
- Min
- -28.52%
Operating Margin (TTM)
Both Capital One Financial (COF) at 37.83% and UBS (UBS) at 27.10% 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%
UBS
Financial Services industry group
27.10%
- Max
- 107.33%
- Q3
- 55.90%
- Median
- 30.09%
- UBS
- 27.10%
- Q1
- 14.60%
- Min
- -44.34%
Profitability Metrics
| Metric | COF | UBS |
|---|---|---|
| ROE (TTM) | 9.39% | -- |
| ROA (TTM) | 1.57% | -- |
| Net Margin (TTM) | 22.23% | 18.18% |
| Operating Margin (TTM) | 37.83% | 27.10% |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Capital One Financial (COF) at 36.62% sits in the top revenue growth quartile, while UBS (UBS) at 4.30% is closer to the peer norm — faster top-line expansion for COF.
EPS Growth
UBS (UBS) at 55.26% sits in the top EPS growth quartile, while Capital One Financial (COF) at -65.23% is in the bottom quartile, showing a clear gap in earnings momentum.
Growth Metrics
| Metric | COF | UBS |
|---|---|---|
| Revenue Growth (YoY) | 36.62% | 4.30% |
| Revenue Growth (3Y CAGR) | 15.98% | 12.44% |
| EPS Growth (YoY) | -65.23% | 55.26% |
| EPS Growth (3Y CAGR) | -39.18% | 1.60% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Capital One Financial (COF) in Financial Services and UBS (UBS) 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 UBS (UBS) 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 | UBS |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
UBS (UBS) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Capital One Financial (COF) reports a yield of 1.57%, ranking against industry peers normally.
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%
UBS
Financial Services industry group
0.00%
- Max
- 9.77%
- Q3
- 3.92%
- Median
- 1.09%
- UBS
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Both Capital One Financial (COF) at 19.61% and UBS (UBS) at 36.30% 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%
UBS
Financial Services industry group
36.30%
- Max
- 241.07%
- Q3
- 97.36%
- UBS
- 36.30%
- Median
- 25.77%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | COF | UBS |
|---|---|---|
| Dividend Yield (TTM) | 1.57% | 0.00% |
| Dividend Payout Ratio (TTM) | 19.61% | 36.30% |
Valuation
P/E Ratio (TTM)
Both Capital One Financial (COF) at 12.37 and UBS (UBS) at 15.77 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
UBS
Financial Services industry group
15.77
- Max
- 45.85
- Q3
- 24.64
- UBS
- 15.77
- 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 UBS (UBS) at 2.71 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
UBS
Financial Services industry group
2.71
- Max
- 9.23
- Q3
- 4.57
- Median
- 2.72
- UBS
- 2.71
- Q1
- 1.28
- Min
- -0.55
P/B Ratio (MRQ)
On P/B ratio, both Capital One Financial (COF) at 1.15 and UBS (UBS) at 1.64 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
UBS
Financial Services industry group
1.64
- Max
- 7.79
- Q3
- 3.63
- UBS
- 1.64
- Median
- 1.57
- Q1
- 0.81
- Min
- -0.39
Valuation Metrics
| Metric | COF | UBS |
|---|---|---|
| P/E Ratio (TTM) | 12.37 | 15.77 |
| P/S Ratio (TTM) | 2.48 | 2.71 |
| P/B Ratio (MRQ) | 1.15 | 1.64 |
| Free Cash Flow Yield (TTM) | -- | -- |