Capital One Financial Corporation operates as the bank holding company for the Capital One Bank (USA), National Association; and Capital One, National Association, which provides various financial products and services in the United States, the United Kingdom, and Canada.
Undervalued with solid track record and pays a dividend.
Share Price & News
How has Capital One Financial's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: COF.PRC has not had significant price volatility in the past 3 months.
7 Day Return
US Consumer Finance
1 Year Return
US Consumer Finance
Return vs Industry: COF.PRC underperformed the US Consumer Finance industry which returned 21.7% over the past year.
Return vs Market: COF.PRC underperformed the US Market which returned 24.7% over the past year.
Price Volatility Vs. Market
How volatile is Capital One Financial's share price compared to the market and industry in the last 5 years?
Simply Wall St News
No news available
Is Capital One Financial undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: COF.PRC ($25.33) is trading below our estimate of fair value ($38.26)
Significantly Below Fair Value: COF.PRC is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: COF.PRC is good value based on its PE Ratio (7.9x) compared to the Consumer Finance industry average (8.3x).
PE vs Market: COF.PRC is good value based on its PE Ratio (7.9x) compared to the US market (18.9x).
Price to Earnings Growth Ratio
PEG Ratio: COF.PRC is poor value based on its PEG Ratio (2.5x)
Price to Book Ratio
PB vs Industry: COF.PRC is good value based on its PB Ratio (0.8x) compared to the US Consumer Finance industry average (1.2x).
How is Capital One Financial forecast to perform in the next 1 to 3 years based on estimates from 16 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: COF.PRC's forecast earnings growth (3.2% per year) is above the savings rate (2.7%).
Earnings vs Market: COF.PRC's earnings (3.2% per year) are forecast to grow slower than the US market (14.3% per year).
High Growth Earnings: COF.PRC's earnings are forecast to grow, but not significantly.
Revenue vs Market: COF.PRC's revenue (5.7% per year) is forecast to grow slower than the US market (7.5% per year).
High Growth Revenue: COF.PRC's revenue (5.7% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: COF.PRC's Return on Equity is forecast to be low in 3 years time (10.6%).
How has Capital One Financial performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: COF.PRC has high quality earnings.
Growing Profit Margin: COF.PRC's current net profit margins (24.7%) are higher than last year (15.2%).
Past Earnings Growth Analysis
Earnings Trend: COF.PRC's earnings have grown by 1.4% per year over the past 5 years.
Accelerating Growth: COF.PRC's earnings growth over the past year (68.9%) exceeds its 5-year average (1.4% per year).
Earnings vs Industry: COF.PRC earnings growth over the past year (68.9%) exceeded the Consumer Finance industry 21.8%.
Return on Equity
High ROE: COF.PRC's Return on Equity (10.4%) is considered low.
Return on Assets
Return on Capital Employed
How is Capital One Financial's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Inventory Level: COF.PRC has a low level of unsold assets or inventory.
Debt Coverage by Assets: COF.PRC's debt is not covered by short term assets (assets are 0.4x debt).
Financial Institutions Analysis
Asset Level: COF.PRC's level of assets compared to its equity is low.
Allowance for Bad Loans: Insufficient data to determine if COF.PRC has a sufficient allowance for bad loans.
Low Risk Liabilities: COF.PRC reports no customer deposits, loans are made up entirely of externally borrowed funds.
Loan Level: Insufficient data to determine if COF.PRC has an acceptable proportion of non-loan assets held.
Low Risk Deposits: COF.PRC has advanced significantly more loans than the customer deposits it holds.
Level of Bad Loans: Insufficient data to determine if COF.PRC has an appropriate level of bad loans.
What is Capital One Financial's current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: COF.PRC's dividend (1.74%) is higher than the bottom 25% of dividend payers in the US market (1.4%).
High Dividend: COF.PRC's dividend (1.74%) is low compared to the top 25% of dividend payers in the US market (3.66%).
Stability and Growth of Payments
Stable Dividend: COF.PRC's dividend payments have been volatile in the past 10 years.
Growing Dividend: COF.PRC's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its low payout ratio (13.8%), COF.PRC's dividend payments are thoroughly covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: COF.PRC's dividends in 3 years are forecast to be thoroughly covered by earnings (13.8% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Rich Fairbank (68yo)
Mr. Richard D. Fairbank, also known as Rich, is the Founder of Capital One Bank and serves as its Chairman and Chief Executive Officer. Mr. Fairbank founded Capital One Financial Corporation in 1988 and ha ...
|Chief Financial Officer||3.4yrs||US$5.68m||0.0034% $1.5m|
|President of Financial Services||10.3yrs||US$6.25m||0.017% $7.4m|
|Chief Enterprise Services Officer & Chief of Staff to the CEO||0yrs||US$6.09m||0.011% $4.7m|
|Senior Advisor & Corporate Secretary||25.1yrs||US$6.32m||0.021% $9.0m|
|Chief Information Officer||12.4yrs||no data||0.016% $6.9m|
|SVP, Global Finance||0yrs||no data||no data|
|General Counsel||1.7yrs||no data||0.0075% $3.3m|
|Director of Corporate Communications||0yrs||no data||no data|
|Chief Human Resources Officer||10.3yrs||no data||0.0088% $3.8m|
Experienced Management: COF.PRC's management team is seasoned and experienced (10.3 years average tenure).
|Independent Director||11.5yrs||US$350.07k||0.000030% $13.0k|
|Independent Director||14.1yrs||US$305.07k||no data|
|Independent Director||6.7yrs||US$320.07k||no data|
|Independent Director||7.8yrs||US$350.07k||0.00043% $186.4k|
|Independent Director||16yrs||US$335.07k||0.00034% $147.4k|
|Lead Director||12.5yrs||US$405.07k||0.0044% $1.9m|
|Director||0.8yrs||no data||no data|
|Independent Director||3.7yrs||US$315.07k||no data|
|Independent Director||1.6yrs||US$302.63k||no data|
Experienced Board: COF.PRC's board of directors are considered experienced (9.6 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Capital One Financial Corporation's company bio, employee growth, exchange listings and data sources
- Name: Capital One Financial Corporation
- Ticker: COF.PRC
- Exchange: NYSE
- Founded: 1988
- Industry: Consumer Finance
- Sector: Diversified Financials
- Market Cap: US$43.346b
- Shares outstanding: 470.33m
- Website: https://www.capitalone.com
Number of Employees
- Capital One Financial Corporation
- 1680 Capital One Drive
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|COF||NYSE (New York Stock Exchange)||Yes||Common Stock||US||USD||Nov 1994|
|CFX||DB (Deutsche Boerse AG)||Yes||Common Stock||DE||EUR||Nov 1994|
|COF *||BMV (Bolsa Mexicana de Valores)||Yes||Common Stock||MX||MXN||Nov 1994|
|0HT4||LSE (London Stock Exchange)||Yes||Common Stock||GB||USD||Nov 1994|
|COF.PRP||NYSE (New York Stock Exchange)||DEP SHS 1/40TH||US||USD||Aug 2012|
|COF.PRC||NYSE (New York Stock Exchange)||DEP SHS PFD C||US||USD||Jun 2014|
|COF.PRD||NYSE (New York Stock Exchange)||DEP SHS 1/40||US||USD||Oct 2014|
|COF.PRF||NYSE (New York Stock Exchange)||PFD SER F||US||USD||Aug 2015|
|COF.PRG||NYSE (New York Stock Exchange)||DEP SHS PFD G||US||USD||Jul 2016|
|COF.PRH||NYSE (New York Stock Exchange)||DEP SHS PFD H||US||USD||Nov 2016|
|CAON34||BOVESPA (Bolsa de Valores de Sao Paulo)||BDR EACH REP 0.5 COM USD0.01||BR||BRL||May 2019|
|COF.PRI||NYSE (New York Stock Exchange)||DP SHS PFD I||US||USD||Sep 2019|
Capital One Financial Corporation operates as the bank holding company for the Capital One Bank (USA), National Association; and Capital One, National Association, which provides various financial products and services in the United States, the United Kingdom, and Canada. It operates through three segments: Credit Card, Consumer Banking, and Commercial Banking. The company offers non-interest-bearing and interest-bearing deposits, such as checking accounts, money market deposit accounts, negotiable order of withdrawals, savings deposits, and time deposits. It also provides credit card loans; auto, home, and retail banking loans; and commercial and multifamily real estate, commercial and industrial, and small-ticket commercial real estate loans. In addition, the company offers credit and debit card products; online direct banking services; and treasury management and depository services. It serves consumers, small businesses, and commercial clients through the Internet and mobile banking, as well as through Cafés, ATMs, and branches located in New York, Louisiana, Texas, Maryland, Virginia, New Jersey, and the District of Columbia. Capital One Financial Corporation was founded in 1988 and is headquartered in McLean, Virginia.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2019/10/23 00:23|
|End of Day Share Price||2019/10/22 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.