Capital One Financial Corporation

NYSE:COF Stock Report

Market Cap: US$68.2b

Capital One Financial Valuation

Is COF undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

2/6

Valuation Score 2/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of COF when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: COF ($178.65) is trading below our estimate of fair value ($187.48)

Significantly Below Fair Value: COF is trading below fair value, but not by a significant amount.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for COF?

Key metric: As COF is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for COF. This is calculated by dividing COF's market cap by their current earnings.
What is COF's PE Ratio?
PE Ratio16.8x
EarningsUS$4.06b
Market CapUS$68.16b

Price to Earnings Ratio vs Peers

How does COF's PE Ratio compare to its peers?

The above table shows the PE ratio for COF vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average14.4x
DFS Discover Financial Services
14x3.8%US$43.5b
SYF Synchrony Financial
8.2x-5.6%US$25.5b
AXP American Express
21.6x7.4%US$210.4b
ALLY Ally Financial
13.7x27.7%US$10.6b
COF Capital One Financial
16.8x15.0%US$68.2b

Price-To-Earnings vs Peers: COF is expensive based on its Price-To-Earnings Ratio (16.8x) compared to the peer average (14.4x).

Price to Earnings Ratio vs Industry

How does COF's PE Ratio compare vs other companies in the US Consumer Finance Industry?

1 CompanyPrice / EarningsEstimated GrowthMarket Cap
YRD Yiren Digital
1.6xn/aUS$409.46m
No more companies available in this PE range
COF 16.8xIndustry Avg. 11.3xNo. of Companies5PE0816243240+
1 CompanyEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: COF is expensive based on its Price-To-Earnings Ratio (16.8x) compared to the US Consumer Finance industry average (11.3x).

Price to Earnings Ratio vs Fair Ratio

What is COF's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

COF PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio16.8x
Fair PE Ratio23.8x

Price-To-Earnings vs Fair Ratio: COF is good value based on its Price-To-Earnings Ratio (16.8x) compared to the estimated Fair Price-To-Earnings Ratio (23.8x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst COF forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentUS$178.65
US$187.40
+4.9%
15.2%US$232.00US$119.00n/a18
Dec ’25US$192.01
US$182.78
-4.8%
15.1%US$228.00US$119.00n/a18
Nov ’25US$163.90
US$170.49
+4.0%
11.1%US$208.00US$119.00n/a18
Oct ’25US$146.80
US$163.77
+11.6%
11.1%US$208.00US$119.00n/a18
Sep ’25US$146.93
US$161.69
+10.0%
11.0%US$208.00US$119.00n/a17
Aug ’25US$143.89
US$161.69
+12.4%
11.0%US$208.00US$119.00n/a17
Jul ’25US$139.70
US$155.79
+11.5%
10.7%US$189.00US$111.00n/a18
Jun ’25US$137.63
US$154.95
+12.6%
10.8%US$189.00US$111.00n/a18
May ’25US$141.64
US$154.79
+9.3%
10.6%US$189.00US$111.00n/a18
Apr ’25US$145.30
US$147.36
+1.4%
10.2%US$180.00US$111.00n/a17
Mar ’25US$136.77
US$145.17
+6.1%
9.7%US$170.00US$111.00n/a18
Feb ’25US$134.56
US$139.90
+4.0%
10.1%US$160.00US$110.00n/a20
Jan ’25US$131.12
US$121.34
-7.5%
15.6%US$159.00US$87.00n/a21
Dec ’24US$113.93
US$113.51
-0.4%
15.3%US$146.00US$87.00US$192.0121
Nov ’24US$100.27
US$111.65
+11.4%
16.1%US$146.00US$87.00US$163.9021
Oct ’24US$97.05
US$117.68
+21.3%
14.8%US$146.00US$87.00US$146.8019
Sep ’24US$103.50
US$118.38
+14.4%
14.7%US$146.00US$87.00US$146.9319
Aug ’24US$116.48
US$117.91
+1.2%
14.2%US$145.00US$87.00US$143.8919
Jul ’24US$109.37
US$110.74
+1.2%
19.6%US$162.00US$72.00US$139.7019
Jun ’24US$106.24
US$109.55
+3.1%
19.3%US$162.00US$72.00US$137.6320
May ’24US$93.17
US$112.33
+20.6%
19.0%US$162.00US$79.00US$141.6421
Apr ’24US$96.16
US$118.63
+23.4%
17.7%US$162.00US$79.00US$145.3021
Mar ’24US$108.58
US$120.06
+10.6%
17.0%US$162.00US$79.00US$136.7721
Feb ’24US$116.33
US$117.06
+0.6%
17.2%US$162.00US$79.00US$134.5621
Jan ’24US$92.96
US$125.36
+34.9%
18.2%US$171.00US$81.00US$131.1221
Dec ’23US$99.32
US$125.79
+26.7%
17.8%US$171.00US$81.00US$113.9321

Analyst Forecast: Target price is less than 20% higher than the current share price.

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/23 05:02
End of Day Share Price 2024/12/20 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Capital One Financial Corporation is covered by 55 analysts. 18 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Stephen BiggarArgus Research Company
David GeorgeBaird
Jason GoldbergBarclays