COF vs. V: Capital One Financial vs. Visa Stock Comparison

November 11, 2026

How do Capital One Financial (COF) and Visa (V) 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 Visa (V) both fall under the Financial Services industry group, but COF is classified in Consumer Finance while V is classified in Financial Services.

Company profile comparison for Capital One Financial (COF) and Visa (V)
Profile Item	COF	V
Name	Capital One Financial Corp.	Visa Inc. Class A
Country/Region	United States	United States
GICS Sector	Financials	Financials
GICS Industry Group	Financial Services	Financial Services
GICS Industry	Consumer Finance	Financial Services
GICS Sub-Industry	Consumer Finance	Transaction & Payment Processing Services
Market Capitalization	121.43 billion USD	788.58 billion USD
Currency	USD	USD
Exchange	NYSE	NYSE
Listing Date	November 16, 1994	March 19, 2008
Security Type	Common Stock	Common Stock

Price Performance

Cumulative Growth

COF

GSPC

Capital One Financial (COF) vs. Visa (V), with S&P 500 (GSPC) for reference: Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for Capital One Financial (COF) and Visa (V). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Capital One Financial (COF) and Visa (V). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Price performance metrics for Capital One Financial (COF) and Visa (V)
Metric	COF	V
Total Return (1Y)	-5.89%	27.50%
Total Return (3Y, Annualized)	26.49%	21.55%
Total Return (5Y, Annualized)	7.24%	15.65%

Risk Profile

Drawdown History

COF

GSPC

Capital One Financial (COF) vs. Visa (V), with S&P 500 (GSPC) for reference: Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for Capital One Financial (COF) and Visa (V). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for Capital One Financial (COF) and Visa (V)
Metric	COF	V
Volatility (1Y, Annualized)	31.21%	22.99%
Beta (5Y)	1.09	0.78
Max Drawdown (5Y)	-45.56%	-24.14%
Avg. Volume (3M)	3.66M	6.56M

Risk-Adjusted Performance

Risk-Return Positioning

COF and V are plotted by 1-year volatility (risk) and 1-year return. The dashed Capital Allocation Line runs from the risk-free rate through the shared industry median.

Risk-Adjusted Metrics

Risk-adjusted metrics for Capital One Financial (COF) and Visa (V)
Metric	COF	V
Sharpe Ratio (1Y)	-0.33	1.01
Sortino Ratio (1Y)	-0.43	1.64

Profitability

ROE (TTM)

Visa (V) at 63.51% clears its industry range for ROE, a sharper capital-efficiency signal than Capital One Financial (COF) at 9.39%, which is closer to a typical peer reading.

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%

V

Financial Services industry group

63.51%

V: 63.51%
Max: 44.78%
Q3: 21.85%
Median: 12.91%
Q1: 4.48%
Min: -18.71%

Capital One Financial (COF) vs. Visa (V): A comparison of their ROE against the Financial Services industry group benchmark.

Net Margin (TTM)

Visa (V) at 51.20% 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%

V

Financial Services industry group

51.20%

Max: 62.84%
V: 51.20%
Q3: 28.05%
Median: 15.36%
Q1: 4.82%
Min: -28.52%

Capital One Financial (COF) vs. Visa (V): A comparison of their net margin against the Financial Services industry group benchmark.

Operating Margin (TTM)

Visa (V) at 63.73% operates in the top operating margin quartile, ahead of Capital One Financial (COF) at 37.83%, which runs around its industry’s norm.

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%

V

Financial Services industry group

63.73%

Max: 107.33%
V: 63.73%
Q3: 55.90%
Median: 30.09%
Q1: 14.60%
Min: -44.34%

Capital One Financial (COF) vs. Visa (V): A comparison of their operating margin against the Financial Services industry group benchmark.

Profitability Metrics

Profitability metrics for Capital One Financial (COF) and Visa (V)
Metric	COF	V
ROE (TTM)	9.39%	63.51%
ROA (TTM)	1.57%	19.61%
Net Margin (TTM)	22.23%	51.20%
Operating Margin (TTM)	37.83%	63.73%
Gross Margin (TTM)	--	--

Growth

Revenue Growth

Capital One Financial (COF) at 36.62% sits in the top revenue growth quartile, while Visa (V) at 14.76% is closer to the peer norm — faster top-line expansion for COF.

Capital One Financial (COF) vs. Visa (V): A comparison of their Revenue Growth across different time periods.

EPS Growth

Visa (V) at 20.78% 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.

Capital One Financial (COF) vs. Visa (V): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for Capital One Financial (COF) and Visa (V)
Metric	COF	V
Revenue Growth (YoY)	36.62%	14.76%
Revenue Growth (3Y CAGR)	15.98%	12.02%
EPS Growth (YoY)	-65.23%	20.78%
EPS Growth (3Y CAGR)	-39.18%	14.16%

Financial Strength

Current Ratio (MRQ)

current ratio doesn’t apply on either side: Capital One Financial (COF) in Financial Services and Visa (V) 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 Visa (V) 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

Financial strength metrics for Capital One Financial (COF) and Visa (V)
Metric	COF	V
Current Ratio (MRQ)	--	--
Debt / Equity (MRQ)	--	--
Net Debt / EBITDA	--	--

Dividends

Dividend Yield (TTM)

Both Capital One Financial (COF) at 1.57% and Visa (V) at 0.66% 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%

V

Financial Services industry group

0.66%

Max: 9.77%
Q3: 3.92%
Median: 1.09%
V: 0.66%
Q1: 0.00%
Min: 0.00%

Capital One Financial (COF) vs. Visa (V): A comparison of their dividend yield against the Financial Services industry group benchmark.

Dividend Payout Ratio (TTM)

Both Capital One Financial (COF) at 19.61% and Visa (V) at 21.75% 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%

V

Financial Services industry group

21.75%

Max: 241.07%
Q3: 97.36%
Median: 25.77%
V: 21.75%
Q1: 0.00%
Min: 0.00%

Capital One Financial (COF) vs. Visa (V): A comparison of their payout ratio against the Financial Services industry group benchmark.

Dividend Metrics

Dividend metrics for Capital One Financial (COF) and Visa (V)
Metric	COF	V
Dividend Yield (TTM)	1.57%	0.66%
Dividend Payout Ratio (TTM)	19.61%	21.75%

Valuation

P/E Ratio (TTM)

Capital One Financial (COF) at 12.37 is near its industry’s usual P/E ratio, while Visa (V) at 34.31 sits in the richer quartile — V needs stronger growth or earnings quality to justify the premium.

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

V

Financial Services industry group

34.31

Max: 45.85
V: 34.31
Q3: 24.64
Median: 15.37
Q1: 9.68
Min: 0.16

Capital One Financial (COF) vs. Visa (V): A comparison of their P/E ratio against the Financial Services industry group benchmark.

P/S Ratio (TTM)

Capital One Financial (COF) at 2.48 prices around its industry’s typical P/S ratio, while Visa (V) at 17.18 clears its benchmark range — V looks notably rich on sales.

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

V

Financial Services industry group

17.18

V: 17.18
Max: 9.23
Q3: 4.57
Median: 2.72
Q1: 1.28
Min: -0.55

Capital One Financial (COF) vs. Visa (V): A comparison of their P/S ratio against the Financial Services industry group benchmark.

P/B Ratio (MRQ)

Capital One Financial (COF) at 1.15 sits near its industry’s typical P/B ratio, while Visa (V) at 22.05 prices above its benchmark range — V looks rich relative to book.

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

V

Financial Services industry group

22.05

V: 22.05
Max: 7.79
Q3: 3.63
Median: 1.57
Q1: 0.81
Min: -0.39

Capital One Financial (COF) vs. Visa (V): A comparison of their P/B ratio against the Financial Services industry group benchmark.

Valuation Metrics

Valuation metrics for Capital One Financial (COF) and Visa (V)
Metric	COF	V
P/E Ratio (TTM)	12.37	34.31
P/S Ratio (TTM)	2.48	17.18
P/B Ratio (MRQ)	1.15	22.05
Free Cash Flow Yield (TTM)	--	--