Loading...

Capital One Financial

NYSE:COF
Snowflake Description

Established dividend payer and good value.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
COF
NYSE
$41B
Market Cap
  1. Home
  2. US
  3. Diversified Financials
Company description

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. The last earnings update was 61 days ago. More info.


Add to Portfolio Compare Print
COF Share Price and Events
7 Day Returns
0.8%
NYSE:COF
2%
US Consumer Finance
-0.8%
US Market
1 Year Returns
-10.1%
NYSE:COF
3.2%
US Consumer Finance
7%
US Market
COF Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Capital One Financial (COF) 0.8% 9.5% 5% -10.1% 16.8% 20.1%
US Consumer Finance 2% 7.4% 12.9% 3.2% 44.8% 30.6%
US Market -0.8% 2.7% 7.5% 7% 37.9% 47%
1 Year Return vs Industry and Market
  • COF underperformed the Consumer Finance industry which returned 3.2% over the past year.
  • COF underperformed the Market in United States of America which returned 7% over the past year.
Price Volatility
COF
Industry
5yr Volatility vs Market

Value

 Is Capital One Financial undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current share price of Capital One Financial to its discounted cash flow analysis.value.

The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data

Below are the data sources, inputs and calculation used to determine the intrinsic value for Capital One Financial.

NYSE:COF Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model Excess Returns Model
Stable EPS Weighted future Return on Equity estimates from 14 analysts.
= Stable Book Value * Return on Equity
= $123.23 * 10.3%
$12.74
Book Value of Equity per Share Weighted future Book Value estimates from 9 analysts. $123.23
Discount Rate (Cost of Equity) See below 10.7%
Perpetual Growth Rate 10-Year US Government Bond Rate 2.7%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for NYSE:COF
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year US Govt Bond Rate 2.7%
Equity Risk Premium S&P Global 6%
Consumer Finance Unlevered Beta Simply Wall St/ S&P Global 0.69
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.694 (1 + (1- 21%) (145.48%))
1.329
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
1.33
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 2.73% + (1.329 * 5.96%)
10.65%

Discounted Cash Flow Calculation for NYSE:COF using Excess Returns Model Model

The calculations below outline how an intrinsic value for Capital One Financial is arrived at using the Excess Return Model. This approach is used for finance firms where free cash flow is difficult to estimate.

In the Excess Return Model the value of a firm can be written as the sum of capital invested currently in the firm and the present value of excess returns that the firm expects to make in the future.

The model is sensitive to the Return on Equity of the company versus the Cost of Equity, how these are calculated is detailed below the main calculation.

Note the calculations below are per share.

See our documentation to learn about this calculation.

NYSE:COF Value of Excess Returns
Calculation Result
Excess Returns = (Stable Return on equity – Cost of equity) (Book Value of Equity per share)
= (10.3% – 10.65%) * $123.23)
$-0.38
Terminal Value of Excess Returns = Excess Returns / (Cost of Equity - Expected Growth Rate)
= $-0.38 / (10.65% - 2.73%)
$-4.82
Value of Equity = Book Value per share + Terminal Value of Excess Returns
= $123.23 + $-4.82
$118.41
NYSE:COF Discount to Share Price
Calculation Result
Value per share (USD) From above. $118.41
Current discount Discount to share price of $87.61
= -1 x ($87.61 - $118.41) / $118.41
26%

Learn more about our DCF calculations in Simply Wall St’s analysis model .

Current Discount
Amount off the current price Capital One Financial is available for.
Intrinsic value
26%
Share price is $87.61 vs Future cash flow value of $118.41
Current Discount Checks
For Capital One Financial to be considered undervalued it must be available for at least 20% below the current price. Less than 40% is even better.
  • Capital One Financial's share price is below the future cash flow value, and at a moderate discount (> 20%).
  • Capital One Financial's share price is below the future cash flow value, but not at a substantial discount (< 40%).
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for Capital One Financial's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are Capital One Financial's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
NYSE:COF PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2018-12-31) in USD $11.92
NYSE:COF Share Price ** NYSE (2019-04-22) in USD $87.61
United States of America Consumer Finance Industry PE Ratio Median Figure of 29 Publicly-Listed Consumer Finance Companies 8.95x
United States of America Market PE Ratio Median Figure of 3,080 Publicly-Listed Companies 18.21x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of Capital One Financial.

NYSE:COF PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= NYSE:COF Share Price ÷ EPS (both in USD)

= 87.61 ÷ 11.92

7.35x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Capital One Financial is good value based on earnings compared to the US Consumer Finance industry average.
  • Capital One Financial is good value based on earnings compared to the United States of America market.
Price based on expected Growth
Does Capital One Financial's expected growth come at a high price?
Raw Data
NYSE:COF PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 7.35x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 17 Analysts
-1.9%per year
United States of America Consumer Finance Industry PEG Ratio Median Figure of 23 Publicly-Listed Consumer Finance Companies 0.64x
United States of America Market PEG Ratio Median Figure of 2,109 Publicly-Listed Companies 1.56x

*Line of best fit is calculated by linear regression .

NYSE:COF PEG (Price to Earnings to Growth) Ratio Calculation
Calculation Outcome
PEG Ratio

= PE Ratio ÷ Net Income Annual Growth Rate

= 7.35x ÷ -1.9%

-3.85x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Capital One Financial earnings are not expected to grow next year, we can't assess if its growth is good value.
Price based on value of assets
What value do investors place on Capital One Financial's assets?
Raw Data
NYSE:COF PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2018-12-31) in USD $101.15
NYSE:COF Share Price * NYSE (2019-04-22) in USD $87.61
United States of America Consumer Finance Industry PB Ratio Median Figure of 40 Publicly-Listed Consumer Finance Companies 1.57x
United States of America Market PB Ratio Median Figure of 5,186 Publicly-Listed Companies 1.91x
NYSE:COF PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= NYSE:COF Share Price ÷ Book Value per Share (both in USD)

= 87.61 ÷ 101.15

0.87x

* Primary Listing of Capital One Financial.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Capital One Financial is good value based on assets compared to the US Consumer Finance industry average.
X
Value checks
We assess Capital One Financial's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Consumer Finance industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Consumer Finance industry average (and greater than 0)? (1 check)
  5. Capital One Financial has a total score of 4/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

Future Performance

 How is Capital One Financial expected to perform in the next 1 to 3 years based on estimates from 17 analysts?

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
-1.9%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is Capital One Financial expected to grow at an attractive rate?
  • Capital One Financial's earnings are expected to decrease over the next 1-3 years, this is below the low risk savings rate of 2.7%.
Growth vs Market Checks
  • Capital One Financial's earnings are expected to decrease over the next 1-3 years, this is below the United States of America market average.
  • Capital One Financial's revenue growth is expected to exceed the United States of America market average.
Annual Growth Rates Comparison
Raw Data
NYSE:COF Future Growth Rates Data Sources
Data Point Source Value (per year)
NYSE:COF Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 17 Analysts -1.9%
NYSE:COF Future Revenue Growth Rate Line of Best Fit* through Consensus Estimate Revenue of 17 Analysts 12.9%
United States of America Consumer Finance Industry Earnings Growth Rate Market Cap Weighted Average 4.3%
United States of America Consumer Finance Industry Revenue Growth Rate Market Cap Weighted Average 10.4%
United States of America Market Earnings Growth Rate Market Cap Weighted Average 13.5%
United States of America Market Revenue Growth Rate Market Cap Weighted Average 7%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
NYSE:COF Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (3 months ago) See Below
Future Estimates Average of up to 17 Analyst Estimates (S&P Global) See Below
All numbers in USD Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
NYSE:COF Future Estimates Data
Date (Data in USD Millions) Revenue Cash Flow Net Income * Avg. No. Analysts
2021-12-31 31,275 5,597 2
2020-12-31 30,408 5,356 17
2019-12-31 28,919 5,111 17
NYSE:COF Past Financials Data
Date (Data in USD Millions) Revenue Cash Flow Net Income *
2018-12-31 22,220 12,978 5,720
2018-09-30 21,932 13,129 3,610
2018-06-30 21,390 12,846 3,248
2018-03-31 20,378 12,626 2,383
2017-12-31 19,686 14,182 1,839
2017-09-30 19,413 12,086 3,485
2017-06-30 19,134 12,311 3,381
2017-03-31 18,892 10,917 3,294
2016-12-31 19,042 11,856 3,532
2016-09-30 19,042 10,983 3,656
2016-06-30 18,977 12,347 3,766
2016-03-31 18,858 12,236 3,713

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Capital One Financial's earnings are expected to decrease over the next 1-3 years, this is not considered high growth.
  • Capital One Financial's revenue is expected to grow by 12.9% yearly, however this is not considered high growth (20% yearly).
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
NYSE:COF Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (3 months ago) See Below
Future Estimates Average of up to 17 Analyst Estimates (S&P Global) See Below

All data from Capital One Financial Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

NYSE:COF Future Estimates Data
Date (Data in USD Millions) EPS * EPS High Estimate EPS Low Estimate Avg. No. Analysts
2021-12-31 12.94 13.20 12.80 4.00
2020-12-31 11.97 12.40 11.21 17.00
2019-12-31 10.92 12.11 10.34 18.00
NYSE:COF Past Financials Data
Date (Data in USD Millions) EPS *
2018-12-31 11.92
2018-09-30 7.46
2018-06-30 6.69
2018-03-31 4.91
2017-12-31 3.80
2017-09-30 7.21
2017-06-30 6.93
2017-03-31 6.66
2016-12-31 7.00
2016-09-30 7.08
2016-06-30 7.15
2016-03-31 6.94

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Capital One Financial is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).
X
Future performance checks
We assess Capital One Financial's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the United States of America market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United States of America market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
Capital One Financial has a total score of 1/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

Past Performance

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

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare Capital One Financial's growth in the last year to its industry (Consumer Finance).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • Capital One Financial's year on year earnings growth rate was negative over the past 5 years, however the most recent earnings are above average.
  • Capital One Financial's 1-year earnings growth exceeds its 5-year average (211% vs -5.1%)
  • Capital One Financial's earnings growth has exceeded the US Consumer Finance industry average in the past year (211% vs 32.4%).
Earnings and Revenue History
Capital One Financial's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from Capital One Financial Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

NYSE:COF Past Revenue, Cash Flow and Net Income Data
Date (Data in USD Millions) Revenue Net Income * G+A Expenses R&D Expenses
2018-12-31 22,220.00 5,720.00 12,424.00
2018-09-30 21,932.00 3,610.00 11,970.00
2018-06-30 21,390.00 3,248.00 11,898.00
2018-03-31 20,378.00 2,383.00 11,849.00
2017-12-31 19,686.00 1,839.00 11,782.00
2017-09-30 19,413.00 3,485.00 11,740.00
2017-06-30 19,134.00 3,381.00 11,532.00
2017-03-31 18,892.00 3,294.00 11,397.00
2016-12-31 19,042.00 3,532.00 11,201.00
2016-09-30 19,042.00 3,656.00 11,045.00
2016-06-30 18,977.00 3,766.00 10,878.00
2016-03-31 18,858.00 3,713.00 10,881.00
2015-12-31 18,877.00 3,834.00 10,723.00
2015-09-30 18,767.00 3,943.00 10,531.00
2015-06-30 18,605.00 3,960.00 10,380.00
2015-03-31 18,826.00 4,328.00 10,058.00
2014-12-31 18,749.00 4,338.00 9,913.00
2014-09-30 18,632.00 4,251.00 9,775.00
2014-06-30 18,788.00 4,251.00 9,716.00
2014-03-31 18,900.00 4,274.00 9,705.00
2013-12-31 18,931.00 4,284.00 9,638.00
2013-09-30 18,817.00 4,256.00 9,453.00
2013-06-30 18,783.00 4,340.00 9,253.00
2013-03-31 17,285.00 3,322.00 9,002.00
2012-12-31 16,387.00 3,679.00 8,939.00
2012-09-30 15,103.00 3,259.00 9,120.00
2012-06-30 13,867.00 2,940.00 8,445.00

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • Capital One Financial has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
  • Capital One Financial used its assets less efficiently than the US Consumer Finance industry average last year based on Return on Assets.
  • Unable to establish if Capital One Financial improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.
X
Past performance checks
We assess Capital One Financial's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Consumer Finance industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
Capital One Financial has a total score of 2/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

Health

 How is Capital One Financial's financial health and their level of debt?

A company's financial position is much like your own financial position, it includes everything you own (assets) and owe (liabilities).

The boxes below represent the relative size of what makes up Capital One Financial's finances.

The net worth of a company is the difference between its assets and liabilities.
Net Worth
  • Capital One Financial's short term (1 year) commitments are greater than its holdings of cash and other short term assets.
  • Capital One Financial's long term commitments exceed its cash and other short term assets.
Balance sheet
This treemap shows a more detailed breakdown of Capital One Financial's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
  • Low level of unsold assets.
  • Debt is not covered by short term assets, assets are 0.3x debt.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from Capital One Financial Company Filings, last reported 3 months ago.

NYSE:COF Past Debt and Equity Data
Date (Data in USD Millions) Total Equity Total Debt Cash & Short Term Investments
2018-12-31 51,668.00 59,819.00 13,646.00
2018-09-30 50,638.00 52,884.00 11,887.00
2018-06-30 49,926.00 53,944.00 13,156.00
2018-03-31 49,203.00 51,195.00 14,604.00
2017-12-31 48,730.00 60,887.00 14,805.00
2017-09-30 50,154.00 59,891.00 8,993.00
2017-06-30 49,137.00 50,478.00 7,179.00
2017-03-31 48,040.00 49,724.00 10,009.00
2016-12-31 47,514.00 61,562.00 10,931.00
2016-09-30 48,213.00 60,320.00 10,947.00
2016-06-30 48,108.00 59,717.00 9,586.00
2016-03-31 47,707.00 50,942.00 6,924.00
2015-12-31 47,284.00 59,492.00 9,009.00
2015-09-30 47,685.00 43,069.00 8,265.00
2015-06-30 46,659.00 46,012.00 8,090.00
2015-03-31 45,730.00 41,286.00 10,164.00
2014-12-31 45,053.00 48,632.00 8,070.00
2014-09-30 44,018.00 42,612.00 6,984.00
2014-06-30 43,815.00 39,602.00 7,480.00
2014-03-31 42,801.00 30,676.00 6,932.00
2013-12-31 41,632.00 41,364.00 7,250.00
2013-09-30 41,750.00 32,432.00 6,706.00
2013-06-30 41,041.00 36,869.00 5,797.00
2013-03-31 41,296.00 37,862.00 8,331.00
2012-12-31 40,499.00 50,310.00 12,906.00
2012-09-30 39,672.00 38,897.00 7,945.00
2012-06-30 37,192.00 36,329.00 7,908.00
  • Capital One Financial's level of debt (115.8%) compared to net worth is high (greater than 40%).
  • The level of debt compared to net worth has increased over the past 5 years (99% vs 115.8% today).
  • Debt is well covered by operating cash flow (21.7%, greater than 20% of total debt).
  • Unable to confirm if the interest payments on Capital One Financial's debt are well covered by earnings due to lack of past financial data.
X
Financial health checks
We assess Capital One Financial's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. Capital One Financial has a total score of 1/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

Dividends

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

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
1.83%
Current annual income from Capital One Financial dividends. Estimated to be 2% next year.
If you bought $2,000 of Capital One Financial shares you are expected to receive $37 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Capital One Financial's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.39%).
  • Capital One Financial's dividend is below the markets top 25% of dividend payers in United States of America (3.62%).
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
NYSE:COF Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 17 Analyst Estimates (S&P Global) See Below
United States of America Consumer Finance Industry Average Dividend Yield Market Cap Weighted Average of 14 Stocks 1.8%
United States of America Market Average Dividend Yield Market Cap Weighted Average of 2008 Stocks 2.4%
United States of America Minimum Threshold Dividend Yield 10th Percentile 0.8%
United States of America Bottom 25% Dividend Yield 25th Percentile 1.4%
United States of America Top 25% Dividend Yield 75th Percentile 3.6%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

NYSE:COF Future Dividends Estimate Data
Date (Data in $) Dividend per Share (annual) Avg. No. Analysts
2021-12-31 2.17 4.00
2020-12-31 1.76 17.00
2019-12-31 1.66 18.00
NYSE:COF Past Annualized Dividends Data
Date (Data in $) Dividend per share (annual) Avg. Yield (%)
2019-01-31 1.600 1.931
2018-11-01 1.600 1.943
2018-07-26 1.600 1.677
2018-05-03 1.600 1.688
2018-02-01 1.600 1.660
2017-11-02 1.600 1.663
2017-07-27 1.600 1.901
2017-05-04 1.600 1.971
2017-02-02 1.600 1.839
2016-11-03 1.600 1.867
2016-07-28 1.600 2.259
2016-05-05 1.600 2.368
2016-02-03 1.600 2.331
2015-10-29 1.600 2.221
2015-07-30 1.600 2.089
2015-04-30 1.600 1.866
2015-01-29 1.200 1.511
2014-10-30 1.200 1.486
2014-07-31 1.200 1.487
2014-05-01 1.200 1.496
2014-01-29 1.200 1.634
2013-10-31 1.200 1.656
2013-07-25 1.200 1.753
2013-05-02 1.200 1.919
2013-01-31 0.200 0.365
2013-01-17 0.200 0.352
2012-07-31 0.200 0.344
2012-05-08 0.200 0.377
2012-01-31 0.200 0.384
2011-11-11 0.200 0.452
2011-07-28 0.200 0.465
2011-05-11 0.200 0.391
2011-01-27 0.200 0.391
2010-10-28 0.200 0.483
2010-07-29 0.200 0.511
2010-04-29 0.200 0.476
2010-01-28 0.200 0.501
2009-10-29 0.200 0.512
2009-07-30 0.200 0.557
2009-04-23 0.200 0.874

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Dividends per share have been stable in the past 10 years.
  • Dividends per share have increased over the past 10 years.
Current Payout to shareholders
What portion of Capital One Financial's earnings are paid to the shareholders as a dividend.
  • Dividends paid are thoroughly covered by earnings (7.4x coverage).
Future Payout to shareholders
  • Dividends after 3 years are expected to be well covered by earnings (5.8x coverage).
X
Income/ dividend checks
We assess Capital One Financial's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 0.8%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can Capital One Financial afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. Capital One Financial has a total score of 5/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

Management

 What is the CEO of Capital One Financial's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Rich Fairbank
COMPENSATION $17,333,796
AGE 67
TENURE AS CEO 24.8 years
CEO Bio

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 has been its Executive Chairman since February 28, 1995, Chief Executive Officer since July 26, 1994 and President since April 24, 2003. He co-founded Advocate Financial LLC in 1998. He has been Head of MasterCard's U.S. region since 1995. He serves as the Chairman and Chief Executive Officer of Capital One Auto Finance and Chairman of Capital One, F.S.B., two of Capital Ones primary lending subsidiaries. Mr. Fairbank began his career in 1981 with Strategic Planning Associates, spending a total of seven years consulting in different industries. Based on his belief that information and technology would change the world of consumer marketing, he developed the idea that would ultimately become the hallmark of Capital One®-its Information Based Strategy (IBS). He served as the Chairman of MasterCard’s U.S. region at MasterCard Worldwide Inc. from March 2002 to February 2004. Mr. Fairbank has been an Executive Director of Capital One Financial Corporation since July 26, 1994. He serves as a Director of Capital One's three principal subsidiaries, Capital One Bank the "Bank", Capital One, F.S.B. the "Savings Bank" and Capital One Auto Finance Inc. He served as Director of Mastercard Incorporated since 2003. He served as a Director of MasterCard Worldwide since 2003 and served as Director of MasterCard's U.S. region from March 1995 to February 2004. Mr. Fairbank served as Director of MasterCard International Incorporated since 2003. Mr. Fairbank began his career in 1981 as a consultant with Strategic Planning Associates (SPA) (which later became Mercer Management) spending seven years as a consultant and specialising in the banking industry. He has received many honors and awards including being named Best Chief Executive Officer in specialty finance by Institutional Investor magazine and Business Leader of the Year by Washingtonian Magazine. Mr. Fairbank has often been recognized for his community and industry leadership, including his 2008 appointment to the President's Council on Service and Civic Participation. He also was honored as a 2008 Washington Business Hall of Fame Laureate and was named "2006 Banker of the Year" by the American Banker. Mr. Fairbank graduated with a bachelor's degree in economics from Stanford University and received an MBA from the Stanford Graduate School of Business.

CEO Compensation
  • Rich's compensation has been consistent with company performance over the past year.
  • Rich's remuneration is higher than average for companies of similar size in United States of America.
Management Team Tenure

Average tenure and age of the Capital One Financial management team in years:

9.8
Average Tenure
53
Average Age
  • The average tenure for the Capital One Financial management team is over 5 years, this suggests they are a seasoned and experienced team.
Management Team

Rich Fairbank

TITLE
Founder
COMPENSATION
$17M
AGE
67
TENURE
24.8 yrs

Richard Blackley

TITLE
Chief Financial Officer
COMPENSATION
$6M
AGE
50
TENURE
2.9 yrs

Sanjiv Yajnik

TITLE
President of Financial Services
COMPENSATION
$6M
AGE
61
TENURE
9.8 yrs

Frank LaPrade

TITLE
Chief Enterprise Services Officer & Chief of Staff to the CEO
COMPENSATION
$6M
AGE
51

John Finneran

TITLE
Senior Advisor & Corporate Secretary
COMPENSATION
$6M
AGE
68
TENURE
24.6 yrs

Rob Alexander

TITLE
Chief Information Officer
AGE
53
TENURE
11.9 yrs

Matthew Cooper

TITLE
General Counsel
AGE
46
TENURE
1.2 yrs

Tatiana Stead

TITLE
Director of Corporate Communications

Jory Berson

TITLE
Chief Human Resources Officer
AGE
48
TENURE
9.8 yrs

Mike Slocum

TITLE
President of Commercial Banking
AGE
61
TENURE
7.6 yrs
Board of Directors Tenure

Average tenure and age of the Capital One Financial board of directors in years:

11.5
Average Tenure
64
Average Age
  • The average tenure for the Capital One Financial board of directors is over 10 years, this suggests they are a seasoned and experienced board.
Board of Directors

Rich Fairbank

TITLE
Founder
COMPENSATION
$17M
AGE
67
TENURE
24.2 yrs

Mayo Shattuck

TITLE
Director
COMPENSATION
$335K
AGE
64
TENURE
15.5 yrs

Ann Hackett

TITLE
Lead Director
COMPENSATION
$405K
AGE
64
TENURE
12 yrs

Brad Warner

TITLE
Director
COMPENSATION
$350K
AGE
66
TENURE
11 yrs

Peter Raskind

TITLE
Director
COMPENSATION
$350K
AGE
62
TENURE
7.3 yrs

Catherine West

TITLE
Independent Director
COMPENSATION
$320K
AGE
58
TENURE
6.2 yrs

Lew Hay

TITLE
Director
COMPENSATION
$300K
AGE
62
TENURE
15.5 yrs

Pierre Leroy

TITLE
Director
COMPENSATION
$305K
AGE
69
TENURE
13.6 yrs

Eli Adrianus Joseph Leenaars

TITLE
Director
AGE
57
TENURE
0.3 yrs

Ben Jenkins

TITLE
Director
COMPENSATION
$335K
AGE
74
TENURE
6.2 yrs
Who owns this company?
Recent Insider Trading
  • No 3 month insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price ($) Value ($)
06. Aug 18 Sell Timothy Golden Individual 02. Aug 18 02. Aug 18 -4,073 $95.85 $-390,397
X
Management checks
We assess Capital One Financial's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. Capital One Financial has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

News

Simply Wall St News

Capital One Financial Corporation (NYSE:COF): What Does The Future Look Like?

Looking at Capital One Financial Corporation's (NYSE:COF) earnings update in December 2018,. … as a -10% fall in profits is expected in the upcoming year

Simply Wall St -

Why Capital One Financial Corporation (NYSE:COF) Could Be Your Next Investment

Capital One Financial Corporation (NYSE:COF) is a company with exceptional fundamental characteristics. … Upon building up an investment case for a stock, we should look at various aspects. … that has been a rockstar for income investors, currently trading at an attractive share price

Simply Wall St -

If You Had Bought Capital One Financial (NYSE:COF) Stock A Year Ago, You'd Be Sitting On A 19% Loss, Today

Investors in Capital One Financial Corporation (NYSE:COF) have tasted that bitter downside in the last year, as the share price dropped 19%. … During the unfortunate twelve months during which the Capital One Financial share price fell, it actually saw its earnings per share (EPS) improve by 214%. … Since the fundamental metrics don't readily explain the share price drop, there might be an opportunity if the market has overreacted.

Simply Wall St -

Do You Know What Capital One Financial Corporation's (NYSE:COF) P/E Ratio Means?

We'll look at Capital One Financial Corporation's (NYSE:COF) P/E ratio and reflect on what it tells us about the company's share price. … How Do I Calculate Capital One Financial's Price To Earnings Ratio … Price to Earnings Ratio = Price per Share ÷ Earnings per Share (EPS)

Simply Wall St -

Should You Be Worried About Insider Transactions At Capital One Financial Corporation (NYSE:COF)?

So we'll take a look at whether insiders have been buying or selling shares in Capital One Financial Corporation (NYSE:COF). … Capital One Financial Insider Transactions Over The Last Year. … Although we don't gain confidence from insider selling, we note that this large sale was at well above current price of US$83.40

Simply Wall St -

Why Capital One Financial Corporation (NYSE:COF) Could Be Worth Watching

received a lot of attention from a substantial price movement on the NYSE over the last few months, increasing to $99.01 at one point, and dropping to the lows of $70.78. … A question to answer is whether Capital One Financial's current trading price of $74.66 reflective of the actual value of the? … Let’s take a look at Capital One Financial’s outlook and value based on the most recent financial data to see if there are any catalysts for a price change

Simply Wall St -

Is Capital One Financial Corporation (NYSE:COF) A Smart Choice For Dividend Investors?

Historically, Capital One Financial Corporation (NYSE:COF) has paid a dividend to shareholders. … Does Capital One Financial tick all the boxes of a great dividend stock? … View our latest analysis for Capital One Financial

Simply Wall St -

Does Capital One Financial Corporation's (NYSE:COF) CEO Salary Reflect Performance?

Rich Fairbank has been the CEO of Capital One Financial Corporation (NYSE:COF) since 1994. … View our latest analysis for Capital One Financial? … At the time of writing our data says that Capital One Financial Corporation has a market cap of US$42b, and is paying total annual CEO compensation of US$16m

Simply Wall St -

Does Capital One Financial Corporation's (NYSE:COF) -3.9% Earnings Drop Reflect A Longer Term Trend?

Below, I will assess Capital One Financial Corporation's (NYSE:COF) track record on a high level, to give you some insight into how the company has been performing against its historical trend and its industry peers. … Did COF perform worse than its track record and industry. … Furthermore, this one-year growth rate has been lower than its average earnings growth rate over the past 5 years of -9.6%, indicating the rate at which COF is growing has slowed down

Simply Wall St -

How Does Capital One Financial Corporation (NYSE:COF) Fare As A Dividend Stock?

Historically, Capital One Financial Corporation (NYSE:COF) has paid a dividend to shareholders. … Let's dig deeper into whether Capital One Financial should have a place in your portfolio. … View our latest analysis for Capital One Financial

Simply Wall St -

Company Info

Description

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.

Details
Name: Capital One Financial Corporation
COF
Exchange: NYSE
Founded: 1988
$41,118,877,400
469,340,000
Website: http://www.capitalone.com
Address: Capital One Financial Corporation
1680 Capital One Drive,
McLean,
Virginia, 22102,
United States
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
NYSE COF Common Stock New York Stock Exchange US USD 16. Nov 1994
DB CFX Common Stock Deutsche Boerse AG DE EUR 16. Nov 1994
LSE 0HT4 Common Stock London Stock Exchange GB USD 16. Nov 1994
BMV COF * Common Stock Bolsa Mexicana de Valores MX MXN 16. Nov 1994
NYSE COF.PRD DEP SHS 1/40 New York Stock Exchange US USD 31. Oct 2014
NYSE COF.PRG DEP SHS PFD G New York Stock Exchange US USD 27. Jul 2016
NYSE COF.PRH DEP SHS PFD H New York Stock Exchange US USD 22. Nov 2016
NYSE COF.PRF PFD SER F New York Stock Exchange US USD 19. Aug 2015
NYSE COF.PRC DEP SHS PFD C New York Stock Exchange US USD 11. Jun 2014
NYSE COF.PRP DEP SHS 1/40TH New York Stock Exchange US USD 15. Aug 2012
Number of employees
Current staff
Staff numbers
47,600
Capital One Financial employees.
Industry
Consumer Finance
Diversified Financials
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/04/22 23:34
End of day share price update: 2019/04/22 00:00
Last estimates confirmation: 2019/04/17
Last earnings filing: 2019/02/20
Last earnings reported: 2018/12/31
Last annual earnings reported: 2018/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

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.