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COF

Capital One Financial NYSE:COF Stock Report

Last Price

US$116.83

Market Cap

US$45.9b

7D

-3.0%

1Y

-26.2%

Updated

24 May, 2022

Data

Company Financials +
COF fundamental analysis
Snowflake Score
Valuation5/6
Future Growth0/6
Past Performance6/6
Financial Health6/6
Dividends4/6

COF Stock Overview

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.

Capital One Financial Competitors

Price History & Performance

Summary of all time highs, changes and price drops for Capital One Financial
Historical stock prices
Current Share PriceUS$116.83
52 Week HighUS$177.95
52 Week LowUS$110.29
Beta1.45
1 Month Change-13.64%
3 Month Change-21.84%
1 Year Change-26.16%
3 Year Change31.64%
5 Year Change49.25%
Change since IPO2,090.56%

Recent News & Updates

Shareholder Returns

COFUS Consumer FinanceUS Market
7D-3.0%-4.3%-4.0%
1Y-26.2%-22.7%-13.2%

Return vs Industry: COF underperformed the US Consumer Finance industry which returned -21% over the past year.

Return vs Market: COF underperformed the US Market which returned -12.3% over the past year.

Price Volatility

Is COF's price volatile compared to industry and market?
COF volatility
COF Average Weekly Movement6.4%
Consumer Finance Industry Average Movement8.7%
Market Average Movement7.8%
10% most volatile stocks in US Market16.8%
10% least volatile stocks in US Market2.9%

Stable Share Price: COF is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 6% a week.

Volatility Over Time: COF's weekly volatility (6%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
198851,500Rich Fairbankhttps://www.capitalone.com

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. It operates through three segments: Credit Card, Consumer Banking, and Commercial Banking. The company accepts checking accounts, money market deposits, negotiable order of withdrawals, savings deposits, and time deposits.

Capital One Financial Fundamentals Summary

How do Capital One Financial's earnings and revenue compare to its market cap?
COF fundamental statistics
Market CapUS$45.92b
Earnings (TTM)US$11.05b
Revenue (TTM)US$31.94b

4.2x

P/E Ratio

1.4x

P/S Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
COF income statement (TTM)
RevenueUS$31.94b
Cost of RevenueUS$0
Gross ProfitUS$31.94b
Other ExpensesUS$20.89b
EarningsUS$11.05b

Last Reported Earnings

Mar 31, 2022

Next Earnings Date

n/a

Earnings per share (EPS)28.11
Gross Margin100.00%
Net Profit Margin34.59%
Debt/Equity Ratio79.7%

How did COF perform over the long term?

See historical performance and comparison

Dividends

2.1%

Current Dividend Yield

9%

Payout Ratio

Valuation

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

Valuation Score

5/6

Valuation Score 5/6

  • Below Fair Value

  • Significantly Below Fair Value

  • PE vs Industry

  • PE vs Market

  • PEG Ratio

  • PB vs Industry


>50%

Undervalued compared to fair value

Share Price vs. Fair Value

Below Fair Value: COF ($116.83) is trading below our estimate of fair value ($317.43)

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


Price To Earnings Ratio

PE vs Industry: COF is good value based on its Price-To-Earnings Ratio (4.2x) compared to the US Consumer Finance industry average (6.5x).

PE vs Market: COF is good value based on its Price-To-Earnings Ratio (4.2x) compared to the US market (15.1x).


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 Price-To-Book Ratio (0.9x) compared to the US Consumer Finance industry average (1.1x).


Future Growth

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

Future Growth Score

0/6

Future Growth Score 0/6

  • Earnings vs Savings Rate

  • Earnings vs Market

  • High Growth Earnings

  • Revenue vs Market

  • High Growth Revenue

  • Future ROE


-15.9%

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 (-15.9% per year).

Earnings vs Market: COF's earnings are forecast to decline over the next 3 years (-15.9% per year).

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

Revenue vs Market: COF's revenue (6.2% per year) is forecast to grow slower than the US market (7.8% per year).

High Growth Revenue: COF's revenue (6.2% 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 (12.6%).


Past Performance

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

Past Performance Score

6/6

Past Performance Score 6/6

  • Quality Earnings

  • Growing Profit Margin

  • Earnings Trend

  • Accelerating Growth

  • Earnings vs Industry

  • High ROE


28.2%

Historical annual earnings growth

Earnings and Revenue History

Quality Earnings: COF has high quality earnings.

Growing Profit Margin: COF's current net profit margins (34.6%) are higher than last year (28.9%).


Past Earnings Growth Analysis

Earnings Trend: COF's earnings have grown significantly by 28.2% per year over the past 5 years.

Accelerating Growth: COF's earnings growth over the past year (57%) exceeds its 5-year average (28.2% per year).

Earnings vs Industry: COF earnings growth over the past year (57%) exceeded the Consumer Finance industry 29%.


Return on Equity

High ROE: COF's Return on Equity (20.4%) is considered high.


Financial Health

How is Capital One Financial's financial position? (This company is analysed differently as a bank or financial institution)

Financial Health Score

6/6

Financial Health Score 6/6

  • Asset Level

  • Allowance for Bad Loans

  • Low Risk Liabilities

  • Loan Level

  • Low Risk Deposits

  • Level of Bad Loans

Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


Financial Institutions Analysis

Asset Level: COF's Assets to Equity ratio (7.7x) is low.

Allowance for Bad Loans: COF has a sufficient allowance for bad loans (1054%).

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 (62%).

Low Risk Deposits: COF's Loans to Deposits ratio (86%) 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?

Dividend Score

4/6

Dividend Score 4/6

  • Notable Dividend

  • High Dividend

  • Stable Dividend

  • Growing Dividend

  • Earnings Coverage

  • Future Dividend Coverage


2.05%

Current Dividend Yield

Dividend Yield vs Market

Notable Dividend: COF's dividend (2.05%) is higher than the bottom 25% of dividend payers in the US market (1.57%).

High Dividend: COF's dividend (2.05%) is low compared to the top 25% of dividend payers in the US market (4.05%).


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

Earnings Coverage: With its low payout ratio (8.6%), 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).


Discover strong dividend paying companies

Management

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

5.5yrs

Average management tenure


CEO

Rich Fairbank (70 yo)

27.83yrs

Tenure

US$20,457,553

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 is Founder of Capital One Financial Corporation and has...


Leadership Team

Experienced Management: COF's management team is seasoned and experienced (5.5 years average tenure).


Board Members

Experienced Board: COF's board of directors are considered experienced (7.8 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 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
  • Implied Market Cap: US$45.920b
  • Shares outstanding: 393.05m
  • Website: https://www.capitalone.com

Number of Employees


Location

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

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/05/24 00:00
End of Day Share Price2022/05/24 00:00
Earnings2022/03/31
Annual Earnings2021/12/31


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.