COF vs. XYZ: Capital One Financial vs. Block Stock Comparison
How do Capital One Financial (COF) and Block (XYZ) 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 Block (XYZ) both fall under the Financial Services industry group, but COF is classified in Consumer Finance while XYZ is classified in Financial Services.
| Profile Item | COF | XYZ |
|---|---|---|
| Name | Capital One Financial Corp. | Block Inc. Class A Common Stock |
| 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 | 51.67 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | November 16, 1994 | November 19, 2015 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | COF | XYZ |
|---|---|---|
| Total Return (1Y) | -5.89% | 35.34% |
| Total Return (3Y, Annualized) | 26.49% | 20.17% |
| Total Return (5Y, Annualized) | 7.24% | -17.43% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
Block (XYZ) carries a highly aggressive beta of 2.48, indicating much higher sensitivity to broad-market moves, whereas Capital One Financial (COF) is closer to market-like at 1.09 — a noticeable difference in market-sensitivity profile.
| Metric | COF | XYZ |
|---|---|---|
| Volatility (1Y, Annualized) | 31.21% | 48.01% |
| Beta (5Y) | 1.09 | 2.48 |
| Max Drawdown (5Y) | -45.56% | -83.55% |
| Avg. Volume (3M) | 3.66M | 4.73M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | COF | XYZ |
|---|---|---|
| Sharpe Ratio (1Y) | -0.33 | 0.65 |
| Sortino Ratio (1Y) | -0.43 | 1.03 |
Profitability
ROE (TTM)
Capital One Financial (COF) at 9.39% is around its peer norm for ROE, while Block (XYZ) at 2.02% drops into the bottom quartile, signaling weaker returns on shareholders’ equity.
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%
XYZ
Financial Services industry group
2.02%
- Max
- 44.78%
- Q3
- 21.85%
- Median
- 12.91%
- Q1
- 4.48%
- XYZ
- 2.02%
- Min
- -18.71%
Net Margin (TTM)
Capital One Financial (COF) at 22.23% keeps about the industry-typical share of revenue as profit, while Block (XYZ) at 1.80% retains only a bottom-quartile 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%
XYZ
Financial Services industry group
1.80%
- Max
- 62.84%
- Q3
- 28.05%
- Median
- 15.36%
- Q1
- 4.82%
- XYZ
- 1.80%
- Min
- -28.52%
Operating Margin (TTM)
Capital One Financial (COF) at 37.83% runs core operations around its industry’s norm, while Block (XYZ) at 6.65% operates in the bottom quartile.
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%
XYZ
Financial Services industry group
6.65%
- Max
- 107.33%
- Q3
- 55.90%
- Median
- 30.09%
- Q1
- 14.60%
- XYZ
- 6.65%
- Min
- -44.34%
Profitability Metrics
| Metric | COF | XYZ |
|---|---|---|
| ROE (TTM) | 9.39% | 2.02% |
| ROA (TTM) | 1.57% | 1.94% |
| Net Margin (TTM) | 22.23% | 1.80% |
| Operating Margin (TTM) | 37.83% | 6.65% |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Capital One Financial (COF) at 36.62% sits in the top revenue growth quartile, while Block (XYZ) at 0.30% is in the bottom quartile, showing a clear gap in revenue momentum.
EPS Growth
Both Capital One Financial (COF) at -65.23% and Block (XYZ) at -53.95% post bottom-quartile EPS growth versus peers, pointing to weaker earnings momentum than typical rivals.
Growth Metrics
| Metric | COF | XYZ |
|---|---|---|
| Revenue Growth (YoY) | 36.62% | 0.30% |
| Revenue Growth (3Y CAGR) | 15.98% | 11.33% |
| EPS Growth (YoY) | -65.23% | -53.95% |
| EPS Growth (3Y CAGR) | -39.18% | -- |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Capital One Financial (COF) in Financial Services and Block (XYZ) 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 Block (XYZ) 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 | XYZ |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Block (XYZ) 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%
XYZ
Financial Services industry group
0.00%
- Max
- 9.77%
- Q3
- 3.92%
- Median
- 1.09%
- XYZ
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Block (XYZ) pays no dividend (payout 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Capital One Financial (COF) reports a payout of 19.61%, ranking against industry peers normally.
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%
XYZ
Financial Services industry group
0.00%
- Max
- 241.07%
- Q3
- 97.36%
- Median
- 25.77%
- XYZ
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | COF | XYZ |
|---|---|---|
| Dividend Yield (TTM) | 1.57% | 0.00% |
| Dividend Payout Ratio (TTM) | 19.61% | 0.00% |
Valuation
P/E Ratio (TTM)
Capital One Financial (COF) at 12.37 is near its industry’s usual P/E ratio, while Block (XYZ) at 112.47 sits above its peer range — an unusually expensive price for XYZ’s trailing earnings.
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
XYZ
Financial Services industry group
112.47
- XYZ
- 112.47
- Max
- 45.85
- Q3
- 24.64
- 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 Block (XYZ) at 2.01 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
XYZ
Financial Services industry group
2.01
- Max
- 9.23
- Q3
- 4.57
- Median
- 2.72
- XYZ
- 2.01
- Q1
- 1.28
- Min
- -0.55
P/B Ratio (MRQ)
On P/B ratio, both Capital One Financial (COF) at 1.15 and Block (XYZ) at 2.26 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
XYZ
Financial Services industry group
2.26
- Max
- 7.79
- Q3
- 3.63
- XYZ
- 2.26
- Median
- 1.57
- Q1
- 0.81
- Min
- -0.39
Valuation Metrics
| Metric | COF | XYZ |
|---|---|---|
| P/E Ratio (TTM) | 12.37 | 112.47 |
| P/S Ratio (TTM) | 2.48 | 2.01 |
| P/B Ratio (MRQ) | 1.15 | 2.26 |
| Free Cash Flow Yield (TTM) | -- | -- |