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Market Cap

US$71.4b

Last Updated

2021/05/15 23:34 UTC

Data Sources

Company Financials +

Executive Summary

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, Canada, and the United Kingdom. More Details


Snowflake Analysis

Flawless balance sheet with solid track record.


Similar Companies

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 is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 4% a week.

Volatility Over Time: COF's weekly volatility (4%) has been stable over the past year.


Market Performance


7 Day Return

0.3%

COF

-0.2%

US Consumer Finance

-1.7%

US Market


1 Year Return

172.5%

COF

122.4%

US Consumer Finance

50.8%

US Market

Return vs Industry: COF exceeded the US Consumer Finance industry which returned 118.7% over the past year.

Return vs Market: COF exceeded the US Market which returned 50.5% over the past year.


Shareholder returns

COFIndustryMarket
7 Day0.3%-0.2%-1.7%
30 Day17.2%7.2%-1.2%
90 Day34.3%14.1%0.4%
1 Year174.9%172.5%126.8%122.4%53.3%50.8%
3 Year71.7%64.0%50.2%42.2%61.5%51.4%
5 Year142.7%122.9%144.6%123.3%125.9%100.7%

Long-Term 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

Valuation

Is Capital One Financial undervalued compared to its fair value and its price relative to the market?

36.7%

Undervalued compared to fair value


Share Price vs. Fair Value

Below Fair Value: COF ($158.11) is trading below our estimate of fair value ($249.6)

Significantly Below Fair Value: COF is trading below fair value by more than 20%.


Price To Earnings Ratio

PE vs Industry: COF is poor value based on its PE Ratio (10.3x) compared to the US Consumer Finance industry average (9.2x).

PE vs Market: COF is good value based on its PE Ratio (10.3x) compared to the US market (19.9x).


Price to Earnings Growth Ratio

PEG Ratio: COF's earnings are forecast to decline next year, so we can't calculate its PEG ratio.


Price to Book Ratio

PB vs Industry: COF is good value based on its PB Ratio (1.3x) compared to the US Consumer Finance industry average (1.6x).


Future Growth

How is Capital One Financial forecast to perform in the next 1 to 3 years based on estimates from 18 analysts?

-13.2%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: COF's earnings are forecast to decline over the next 3 years (-13.2% per year).

Earnings vs Market: COF's earnings are forecast to decline over the next 3 years (-13.2% per year).

High Growth Earnings: COF's earnings are forecast to decline over the next 3 years.

Revenue vs Market: COF's revenue (6.9% per year) is forecast to grow slower than the US market (9% per year).

High Growth Revenue: COF's revenue (6.9% 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 (11.3%).


Past Performance

How has Capital One Financial performed over the past 5 years?

0.7%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: COF has high quality earnings.

Growing Profit Margin: COF's current net profit margins (28.9%) are higher than last year (12.8%).


Past Earnings Growth Analysis

Earnings Trend: COF's earnings have grown by 0.7% per year over the past 5 years.

Accelerating Growth: COF's earnings growth over the past year (191.6%) exceeds its 5-year average (0.7% per year).

Earnings vs Industry: COF earnings growth over the past year (191.6%) exceeded the Consumer Finance industry 73.3%.


Return on Equity

High ROE: COF's Return on Equity (12.1%) is considered low.


Financial Health

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


Balance Sheet


Financial Institutions Analysis

Asset Level: COF's Assets to Equity ratio (6.9x) is low.

Allowance for Bad Loans: COF has a sufficient allowance for bad loans (1517%).

Low Risk Liabilities: 85% 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 (54%).

Low Risk Deposits: COF's Loans to Deposits ratio (74%) is appropriate.

Level of Bad Loans: COF has an appropriate level of bad loans (0.4%).


Dividend

What is Capital One Financial current dividend yield, its reliability and sustainability?

1.01%

Current Dividend Yield


Dividend Yield vs Market

Notable Dividend: COF's dividend (1.01%) isn’t notable compared to the bottom 25% of dividend payers in the US market (1.25%).

High Dividend: COF's dividend (1.01%) is low compared to the top 25% of dividend payers in the US market (3.42%).


Stability and Growth of Payments

Stable Dividend: COF's dividend payments have been volatile in the past 10 years.

Growing Dividend: COF's dividend payments have increased over the past 10 years.


Current Payout to Shareholders

Dividend Coverage: With its low payout ratio (6.5%), COF's dividend payments are thoroughly covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: COF's dividends in 3 years are forecast to be thoroughly covered by earnings (12.7% payout ratio).


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

9.7yrs

Average management tenure


CEO

Rich Fairbank (69 yo)

26.83yrs

Tenure

US$20,119,971

Compensation

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...


Leadership Team

Experienced Management: COF's management team is seasoned and experienced (9.7 years average tenure).


Board Members

Experienced Board: COF's board of directors are considered experienced (8.8 years average tenure).


Ownership

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

Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

Capital One Financial Corporation's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Capital One Financial Corporation
  • Ticker: COF
  • Exchange: NYSE
  • Founded: 1988
  • Industry: Consumer Finance
  • Sector: Diversified Financials
  • Market Cap: US$71.385b
  • Shares outstanding: 451.49m
  • Website: https://www.capitalone.com

Number of Employees


Location

  • Capital One Financial Corporation
  • 1680 Capital One Drive
  • McLean
  • Virginia
  • 22102
  • United States

Listings


Biography

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

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/05/15 23:34
End of Day Share Price2021/05/14 00:00
Earnings2021/03/31
Annual Earnings2020/12/31


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.