Capital One Financial Corporation operates as the financial services 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.
Flawless balance sheet with moderate growth potential.
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 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 underperformed the US Consumer Finance industry which returned -24% over the past year.
Return vs Market: COF underperformed the US Market which returned 16.3% 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
2 weeks ago | Simply Wall StAre Insiders Selling Capital One Financial Corporation (NYSE:COF) Stock?
1 month ago | Simply Wall StWhy Capital One Financial Corporation's (NYSE:COF) High P/E Ratio Isn't Necessarily A Bad Thing
5 months ago | Simply Wall StDid Capital One Financial Corporation (NYSE:COF) Insiders Sell Shares?
Is Capital One Financial undervalued compared to its fair value and its price relative to the market?
Price to Book (PB) ratio
Share Price vs. Fair Value
Below Fair Value: COF ($65.75) is trading above our estimate of fair value ($14.8)
Significantly Below Fair Value: COF is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: COF is unprofitable, so we can't compare its PE Ratio to the US Consumer Finance industry average.
PE vs Market: COF is unprofitable, so we can't compare its PE Ratio to the US market.
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate COF's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: COF is good value based on its PB Ratio (0.6x) 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 17 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: COF is forecast to become profitable over the next 3 years, which is considered faster growth than the savings rate (2.2%).
Earnings vs Market: COF is forecast to become profitable over the next 3 years, which is considered above average market growth.
High Growth Earnings: COF's is expected to become profitable in the next 3 years.
Revenue vs Market: COF's revenue (7.4% per year) is forecast to grow slower than the US market (9.4% per year).
High Growth Revenue: COF's revenue (7.4% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: COF's Return on Equity is forecast to be low in 3 years time (7.2%).
How has Capital One Financial performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: COF is currently unprofitable.
Growing Profit Margin: COF is currently unprofitable.
Past Earnings Growth Analysis
Earnings Trend: COF is unprofitable, and losses have increased over the past 5 years at a rate of 0.5% per year.
Accelerating Growth: Unable to compare COF's earnings growth over the past year to its 5-year average as it is currently unprofitable
Earnings vs Industry: COF is unprofitable, making it difficult to compare its past year earnings growth to the Consumer Finance industry (-38.6%).
Return on Equity
High ROE: COF has a negative Return on Equity (0.45%), as it is currently unprofitable.
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
Financial Institutions Analysis
Asset Level: COF's Assets to Equity ratio (7.5x) is low.
Allowance for Bad Loans: COF has a sufficient allowance for bad loans (1741%).
Low Risk Liabilities: 83% of COF's liabilities are made up of primarily low risk sources of funding.
Loan Level: COF has an appropriate level of Loans to Assets ratio (56%).
Low Risk Deposits: COF's Loans to Deposits ratio (77%) is appropriate.
Level of Bad Loans: COF has an appropriate level of bad loans (0.4%).
What is Capital One Financial current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: COF's dividend (0.61%) isn’t notable compared to the bottom 25% of dividend payers in the US market (1.62%).
High Dividend: COF's dividend (0.61%) is low compared to the top 25% of dividend payers in the US market (4.36%).
Stability and Growth of Payments
Stable Dividend: COF is not paying a notable dividend for the US market, therefore no need to check if payments are stable.
Growing Dividend: COF is not paying a notable dividend for the US market, therefore no need to check if payments are increasing.
Current Payout to Shareholders
Dividend Coverage: COF is not paying a notable dividend for the US market.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of COF's dividend in 3 years as they are not forecast to pay a notable one for the US market.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Rich Fairbank (69 yo)
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||4.25yrs||US$5.52m||0.0035% |
|President of Financial Services||11.17yrs||US$6.02m||0.018% |
|Chief Enterprise Services Officer & Chief of Staff to the CEO||no data||US$5.79m||0.014% |
|President of U.S. Card||3.75yrs||US$5.62m||0.015% |
|Chief Information Officer||13.25yrs||no data||0.019% |
|SVP, Global Finance||no data||no data||no data|
|General Counsel||2.5yrs||no data||0.0022% |
|Director of Corporate Communications||no data||no data||no data|
|Chief Human Resources Officer||11.17yrs||no data||0.010% |
|President of Commercial Banking & Northeast Market President||8.92yrs||no data||0.0075% |
|Chief Risk Officer||2yrs||no data||0.014% |
Experienced Management: COF's management team is seasoned and experienced (8.9 years average tenure).
|Independent Director||12.33yrs||US$367.58k||0.000030% |
|Independent Director||14.92yrs||US$322.58k||no data|
|Independent Director||7.5yrs||US$327.58k||no data|
|Independent Director||8.58yrs||US$360.08k||0.00044% |
|Independent Director||16.83yrs||US$345.08k||0.00035% |
|Independent Lead Director||13.33yrs||US$415.08k||0.0045% |
|Independent Director||1.58yrs||US$422.61k||no data|
|Independent Director||1.42yrs||US$307.63k||no data|
|Independent Director||0.50yr||no data||no data|
|Independent Director||4.5yrs||US$325.08k||no data|
|Independent Director||2.42yrs||US$315.08k||no data|
Experienced Board: COF's board of directors are considered experienced (8 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: COF insiders have only sold shares in the past 3 months.
Recent Insider Transactions
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
- Exchange: NYSE
- Founded: 1988
- Industry: Consumer Finance
- Sector: Diversified Financials
- Market Cap: US$30.024b
- Shares outstanding: 456.64m
- 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.PRF||NYSE (New York Stock Exchange)||DP SHS RP PFD 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|
|A1Z1TP||DB (Deutsche Boerse AG)||PERP SUB GLBL -E||DE||USD||Jun 2017|
|CAON34||BOVESPA (Bolsa de Valores de Sao Paulo)||BDR EACH 2 REP 1 COM USD0.01||BR||BRL||May 2019|
|COF.PRI||NYSE (New York Stock Exchange)||DP SHS PFD I||US||USD||Sep 2019|
|COF.PRJ||NYSE (New York Stock Exchange)||4.80% DP PFD J||US||USD||Jan 2020|
Capital One Financial Corporation operates as the financial services holding company for the Capital One Bank (USA), National Association; and Capital One, National Association, which provides various fina ...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/08/08 23:45|
|End of Day Share Price||2020/08/07 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.