Stock Analysis
Capital One FinancialCOF
P/E 11.76×· 5Y range 3.81–244.38×· 59th percentile of history
Sector: Financial Services · Industry: National Commercial Banks
AnalystsStrong Buy29 analystsP/E 11.8× sits at the 59th percentile of its 5.0978781656399725-year history.
PMP Verdict
Weak fundamentals
Risks
- Financial Health6
- Profitability42
Weak fundamentals — valuation is the only support.
Bull Case
- ✓Revenue CAGR 21.3% — durable top-line growth
What's happening with COF
Profile
financial health, moat and profitability lag behind.
How is each axis scored?
- Valuation72/100 · Moderate
- P/E vs own history (59th pct)12/25
- FCF yield (24.2%)25/25
- P/S (1.6x)25/25
- EV/EBIT (n/a)10/25
- Growth50/100 · Moderate
- Revenue CAGR (21.3%)25/25
- Net income CAGR (-33.3%)0/25
- EPS CAGR 5Y (-37.8%)0/25
- Fwd implied growth (34.1%)25/25
- Profitability42/100 · Weak
- ROIC (1.6%)5/25
- ROE (9.3%)12/25
- Net margin (13.4%)20/25
- Operating margin (2.9%)5/25
- Financial Health6/100 · Weak
- Altman Z (0.38)3/25
- Current ratio (n/a)0/25
- Interest coverage (0.4x)3/25
- Net cash / debt (n/a)0/25
- Quality55/100 · Moderate
- Piotroski F (4/9)10/25
- Beneish M (-2.28)20/25
- FCF conversion (282%)25/25
- Margin stability (σ 39.0%)0/25
- Moat37/100 · Weak
- ROIC >12% years (2/10 yrs)0/25
- Median gross margin (n/a)0/25
- FCF-positive years (10/10 yrs)25/25
- Worst-year net margin (worst 3.5%)12/25
Risk Flags
- ⚠Altman Z 0.4 — distress-zone balance sheet
- ⚠Interest coverage 0.4× — thin debt cushion
About Capital One Financial
Capital One Financial is a diversified financial-services holding company headquartered in McLean, Virginia. Show more
Originally a spinoff of Signet Financial's credit card division in 1994, the company is now primarily involved in credit card lending, auto loans, and commercial lending. Following the acquisition of Discover in 2025, the firm also has a modest personal loan business, though credit card lending provides the majority of the bank's revenue.
Headquarters: MCLEAN, VA · Employees: 78,400 · Website ↗
Price History
Weekly Candlestick Chart — up to 5Y
Key Metrics
Financial snapshot · Tap any metric for its definition and grade
TTM Snapshot
trailing twelve months · YoYValuation
72B+P/E (TTM)11.7xA
Grade A: CheapPrice / TTM EPS (own statements) — vs own 5Y history: 3.8x–244.4x · 59th pct
P/FCF4.1xA
Grade A: CheapPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield24.2%A
Grade A: ValueTTM (OCF − CapEx) / Market Cap — vs own 5Y history: 6.0%–57.0% · 54th pct
P/S (TTM)1.56xA
Grade A: CheapPrice / TTM Revenue (own statements) — vs own 5Y history: 0.8x–5.5x · 61st pct
EV/EBITDA—
Enterprise value / EBITDA (Finnhub) — capital-structure neutral
EV/Sales—
Enterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E8.7xA
Grade A: CheapPrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio1.08xA
Grade A: FairPrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio1.30B
Grade B: FairFinnhub PEG — their P/E basis ÷ expected EPS growth. Suppressed when their P/E diverges >2× from our TTM P/E (different basis)
Dividend Yield1.79%A
Grade A: PaysTTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio20.5%A
Grade A: SafeDividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
42D+ROIC1.6%D
Grade D: LowNOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE9.3%D
Grade D: WeakReturn on Equity. Neg. equity = heavy buybacks
ROA1.6%D
Grade D: WeakReturn on Assets (Finnhub) — Net Income / Total Assets; how efficiently assets produce profit
Net Margin13.4%A
Grade A: HighNet Income / Revenue
Operating Margin2.9%D
Grade D: LowTTM EBIT / TTM Revenue
Gross Margin—
Gross Profit / Revenue
FCF Margin37.7%A
Grade A: HighFCF / Revenue
True FCF Margin36.8%A
Grade A: HighTTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
Growth
50CRevenue CAGR21.3%A
Grade A: HighCompound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR-33.3%D
Grade D: LowCompound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)-37.8%D
Grade D: LowCompound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Implied EPS Growth34.1%A
Grade A: HighAnalyst forward EPS (normalized basis) vs our GAAP TTM EPS — different bases, so extreme values usually mark cyclically depressed TTM earnings, not real growth
Dilution (5Y)+31.0%D
Grade D: DilutiveShare count change over 5Y
SBC / Net Income6.8%A
Grade A: LowStock-based comp/Net income. >30% = dilution risk
SBC / Revenue0.9%A
Grade A: LowTTM stock-based comp / TTM Revenue
Financial Health
6EAltman Z-Score0.38D
Grade D: DistressBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio—
Current Assets/Liabilities
Quick Ratio—
(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage0.4xD
Grade D: RiskyEBIT/Interest. >10 Strong
Debt Repayment—
Years to repay net debt via FCF
Net Debt/EBIT—
Leverage. <2x Low, >4x High
Debt/Equity0.39xA
Grade A: LowDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt—
Cash covers how much of total debt. >1 = could repay all debt from cash
Quality
55CPiotroski F-Score4/9C
Grade C: AverageFinancial strength 0–9. >7 Strong
Beneish M-Score-2.28A
Grade A: SafeEarnings manipulation risk. < -2.22 Safe
FCF Conversion282.3%A
Grade A: StrongFCF / Net Income
Margin Stability39.0%D
Grade D: VolatileEBIT margin std deviation. Lower = stable
Capex / Revenue2.2%A
Grade A: Asset-lightTTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover—
Revenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
Insider Transactions
SEC Form 4 · 8 recordsP/S codes are the directional signal; grants, option exercises and tax withholding carry none. Form 4 doesn't flag 10b5-1 plans — scheduled sales may appear within open-market sells.
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Cooper Matthew W Filed | Cooper Matthew W | SellOpen market sale | -3500 | |
Karam Celia Filed | Karam Celia | SellOpen market sale | -2017 | |
Dean Lia Filed | Dean Lia | SellOpen market sale | -2066 | |
Cooper Matthew W Filed | Cooper Matthew W | SellOpen market sale | -3500 | |
Karam Celia Filed | Karam Celia | SellOpen market sale | -1 |
Show 3 more filingsShow fewer filings
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Karam Celia Filed | Karam Celia | SellOpen market sale | -1887 | |
Dean Lia Filed | Dean Lia | SellOpen market sale | -1 | |
Dean Lia Filed | Dean Lia | SellOpen market sale | -2192 |
More metrics — Moat, Per Share, Balance Sheet, MarketHide additional metrics
Moat
37DROIC >12% Years2/10 yrsD
Grade D: WeakShare of completed fiscal years with ROIC > 12% — measures multi-year capital-return durability
Gross Margin (Med.)—
Median annual gross margin across available fiscal years — pricing-power durability
FCF-Positive Years10/10 yrsA
Grade A: DurableShare of completed fiscal years with positive free cash flow
Net Margin Floor3.5%C
Grade C: ModerateWeakest annual net margin across completed fiscal years — recession/downcycle resilience
Per Share
EPS (TTM)$17.15
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$12.13
Cash & short-term investments per share (Finnhub)
Book Value / Share$185.48
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt—
Total debt obligations (short + long term)
Cash & Equiv.—
Cash and short-term investments
Net Debt—
Total Debt minus Cash. Negative = Net Cash position
Total Equity$113.62B
Shareholders' equity (book value)
Asset / Liability1.20xC
Grade C: AdequateTotal Assets / Total Liabilities
Market
Market Cap$122.64B
Current Market Capitalization
Beta1.12B
Grade B: MarketPrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
How grades work: each metric is graded A–D against fixed thresholds (tap a row for the meaning). Card grades map the pillar score to A+–E — a card grade is that pillar's own score, not an average of the rows shown.
Financials as of Jun 2026 · Ratio snapshot Oct 17, 2026
Key Insights: Capital One Financial (COF)
COF is up 1.45% at the last close. Piotroski F-Score of 4/9 indicates mixed fundamentals for Capital One Financial. Altman Z-Score of 0.38 is below the 1.81 distress threshold — an elevated financial-risk flag. Beneish M-Score of -2.28 suggests a low likelihood of earnings manipulation.
- Revenue has compounded at roughly 21% annually — a strong growth profile.
- Capital One Financial converts about 38% of revenue into free cash flow — strong cash generation.
- Interest coverage of 0.4× leaves little room for earnings shocks.
- At a valuation score of 72/100, COF trades near the cheapest end of its own historical range (P/E 11.7).
See how COF ranks on the Capex Tracker — top 50 capital spenders compared.
Recent Market Moves
See all COF moves →| Date | Session | Price | Move | Z-Score |
|---|---|---|---|---|
| Oct 15 | Regular | 199.44 | +2.62% | 2.18 |
| Sep 25 | Regular | 201.23 | +2.35% | 2.09 |
| Sep 25 | After-hours | 201.00 | +2.23% | 2.00 |
Frequently Asked Questions about COF
What is the current Capital One Financial (COF) stock price?
COF is trading at $201.74 at the last market close, up 1.45% on the session. PreMarketPrice tracks COF pre-market, intraday and after-hours prices.
Is COF stock a buy right now?
PreMarketPrice's quantitative model rates Capital One Financial's financial health at 6/100. This is a data-driven snapshot of fundamentals, not investment advice.
Is COF stock overvalued?
Capital One Financial trades at a trailing P/E of 11.7 and our valuation score rates it 72/100 (higher = cheaper vs. its own history). See the Valuation History and Key Metrics sections for forward P/E, EV/EBITDA and PEG context.
When does Capital One Financial report earnings?
No confirmed earnings date is currently scheduled for COF. The Earnings section lists recent reports and updates as dates are announced.
What sector does Capital One Financial operate in?
Capital One Financial operates in the Financial Services sector, within the National Commercial Banks industry. The Related Stocks section lists sector peers for comparison.
What does Capital One Financial do?
Capital One Financial is a diversified financial-services holding company headquartered in McLean, Virginia.
About Capital One Financial (COF) Stock
Capital One Financial (COF) is a US-listed stock operating in the Financial Services sector, specifically the National Commercial Banks industry. As of the latest update, Capital One Financial is trading at $201.74, up 1.45% on the day with a market capitalization of $122.6 billion. The financial health score for COF is 6/100, which indicates poor financial strength based on profitability, leverage, liquidity, and growth metrics. This page provides real-time pre-market pricing, earnings calendar, financial health analysis, and valuation metrics for COF stock.
COF Stock Analysis & Key Metrics
On PreMarketPrice, you can track Capital One Financial (COF) across multiple dimensions:
- Pre-market price & movement: Real-time COF stock price with percentage change, updated continuously during pre-market and regular trading hours.
- Valuation & P/E history: Historical P/E, P/S, and P/B ratios for COF with trend analysis and normalized valuation multiples.
- Financial statements: Revenue, net income, assets, liabilities, and equity for Capital One Financial across multiple reporting periods.
- Financial health score: A composite score of 6/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for COF.
- Sector peers: Compare COF against 6 other financial services stocks on key financial metrics.
Is COF a Good Stock to Buy?
This page provides data-driven analysis to help you evaluate Capital One Financial (COF) as an investment. The financial health score of 6/100 suggests poor financial fundamentals. Valuation metrics show whether the stock is trading above or below its historical average.However, this is not financial advice — always do your own research before investing.
Data on this page is sourced from real-time market feeds, Polygon.io, and Finnhub.Capital One Financial (COF) trades on NYSE. Pre-market trading occurs 4:00 AM – 9:30 AM ET. Regular market hours are 9:30 AM – 4:00 PM ET.