Capital One Financial Corporation

US$201.87As of Sun 8 Nov 2026, 12:00 UTC

NYSE:COFFinancials

Country USA

PE (Fwd) •••

TSR 10Y CAGR 12.47%

Div yield 1.58%

ROE 9.39%

Credit Services

Beta (5Y) 1.09

PE TTM 11.95

TSR TTM (6.81%)

Mkt cap US$121.4B

ROIC —

SE Grade™

Value

Quality

Moat

Consensus

Reference

$234

15.99%

(97.51%)

Hold 7|10|4|4|3

TTM

FYE 31 Dec USD

FY2016

FY2017

FY2018

FY2019

FY2020

FY2021

FY2022

FY2023

FY2024

FY2025

FY2026E

Trend

10Y

Peers

14.42

Revenue$B

12.57

13.70

14.94

15.85

17.21

18.68

20.43

22.07

23.88

25.46

14.85

8.14%

8.08%

12.79

Revenue growth%

3.69

2.99

0.51

0.40

1.15

0.40

1.72

2.63

3.47

5.67

18.42

2.63

2.17

3.94

Gross margin%

25.85

25.53

27.50

28.12

27.33

26.82

27.47

27.63

25.16

22.28

2.24

26.82

27.08

28.17

Operating margin%

11.13

12.95

10.55

8.00

10.80

8.64

7.35

4.37

2.85

4.46

29.92

4.46

8.32

20.43

Net margin%

19.09

19.43

18.22

21.10

23.41

21.69

20.90

19.49

19.06

19.36

13.17

19.49

19.46

33.42

P/E ratio (avg)x

49.30

48.31

56.97

60.06

61.15

63.36

74.86

79.72

78.15

93.23

6.511

78.15

62.26

15.34

EV/EBITx

28.66

30.20

34.27

33.30

36.20

40.27

45.96

45.32

43.37

45.36

10.33

45.32

38.24

3.68

FCF yield (avg)%

8.03

5.98

6.93

5.03

6.57

7.09

5.02

4.95

3.28

2.20

6.65

4.95

5.50

5.43

FCF margin%

28.99

26.61

24.05

23.87

24.07

22.14

20.98

19.62

17.49

14.64

27.47

19.62

23.00

0.352

FCF / Net incomex

1.441

1.446

1.552

1.667

1.831

2.029

1.866

1.984

1.889

1.995

0.161

1.984

1.849

26.85

ROIC%

20.53

22.67

25.37

24.95

27.23

24.94

22.70

25.47

26.66

27.08

12.14

25.47

25.16

24.47

Return on equity%

8.93

7.34

10.27

11.08

10.58

8.46

8.76

9.46

7.82

5.36

8.10

8.46

8.84

27.24

Return on assets%

17.11

18.24

20.89

23.52

24.26

21.83

20.69

23.54

24.59

26.55

14.03

23.54

22.68

8.75

EPS$

11.24

12.54

14.85

15.08

18.37

18.25

21.84

24.67

26.77

29.72

9.30

10.10%

11.56%

—

22.40

EPS growth%

6.40

4.38

1.82

0.53

0.40

1.49

0.97

1.39

1.90

0.40

5.14

1.39

1.44

5.95

Bookvalue per sh$

7.44

8.04

8.01

8.72

8.22

8.30

8.44

7.51

7.67

6.72

6.93

(3.97%)

(1.16%)

—

15.15

FCF per share$

23.93

21.56

21.18

22.09

22.16

21.63

22.43

23.09

25.51

28.16

28.27

4.91%

0.57%

—

8.31

Dividend per sh$

10.32

9.01

9.04

9.48

9.93

10.80

11.24

10.02

9.47

9.62

8.04

(0.63%)

(1.61%)

—

28.21

Div yield (avg)%

5.15

4.94

2.29

4.18

6.61

8.85

9.99

12.87

13.95

14.54

5.05

12.87

7.73

3.63

Payout ratio%

20.39

20.71

22.59

20.96

21.09

21.83

21.85

20.71

19.25

17.81

10.92

20.71

20.84

0.605

Shares (diluted)B

0.835

0.854

0.945

1.057

1.027

1.005

1.156

1.198

1.363

1.279

0.616

4.48%

5.24%

28.42

Buyback yield%

12.61

11.25

11.27

10.18

13.04

14.02

12.32

10.13

7.84

9.95

20.94

10.13

11.26

0.218

D/E ratiox

0.584

0.637

0.605

0.590

0.538

0.515

0.498

0.466

0.468

0.168

0.498

0.561

3.022

Enterprise value$B

19.43

19.58

21.29

18.91

18.13

18.76

18.26

16.50

16.94

18.05

9.883

(0.08%)

(0.67%)

7.333

LT debt$B

16.73

18.40

21.20

21.44

23.16

23.74

25.41

26.77

28.37

27.01

16.45

3.12%

5.46%

Peers (US$121.4B)

Cap (US$)

American Express…

215.2B

18.10x

PayPal Holdings, Inc.

49.21B

11.26x

Fiserv, Inc.

33.46B

—

Bajaj Finance Limited

72.02B

31.28x

Capital

TTM

10Y

Leveragex

0.209

0.167

EBIT/Intx

1.001

1.022

0.816

Own earn%

(42.95)

102.15

102.05

Sh yield%

56.63

22.87

20.72

Owners

Insiders/Inst%

6.77

76.32

Short interest%

1.72

SBC / revenue%

0.84

Record

10Y

Profitable years

10/10

Revenue growth years

10/10

EPS growth years

10/10

Dividend streakyrs

Op margin range%

3–13

$1 testx

−0.1

Incr. ROIC%

Capital One Financial Corporation is the holding company for Capital One, National Association, providing financial products and services in the United States, Canada and the United Kingdom through Credit Card, Consumer Banking and Commercial Banking segments. It offers deposit accounts, credit card, auto, real estate and commercial loans, and treasury management services to consumers, small businesses and commercial clients.

Growth vs revenue

Latest

Trend

10Y CAGR

Rel growth

Revenue

$25.46B

8.08%

1.00×

Cost of revenue

$17.82B

8.15%

1.01×

Operating expenses

$5.164B

7.98%

0.99×