Capital One Financial (COF) Valuation
Historical valuation analysis based on 1281 data points (2021-09-10 to 2026-10-16)
Capital One Financial is a diversified financial-services holding company headquartered in McLean, Virginia. Originally a spinoff of Signet Financial's credit card division in 1994, the company is...
Capital One Financial (COF) currently trades at a P/E ratio of 11.76 (historical range: 3.81–244.38, median: 10.23), placing it at the 59th percentile — near its historical average, P/S ratio of 1.57 (range: 0.76–5.47, 61th percentile — above its historical average), EV/EBITDA of 51.08 (range: 29.22–59.34, 34th percentile).
Over the historical period (2021-09-10 to 2026-10-16), Capital One Financial's P/E ratio has expanded by 650% over the observed period (from an average of 6.3 to 47.5).
Capital One Financial trades near its historical valuation range, with most metrics close to their median levels.
Historical Valuation Metrics
| Metric | Current | Median | %ile | Assessment |
|---|---|---|---|---|
| P/E Ratio | 11.76 | 10.23 | 59th | near its historical average |
| P/S Ratio | 1.57 | 1.39 | 61th | above its historical average |
| EV/EBITDA | 51.08 | 53.21 | 34th | below its historical average |
| FCF Yield | 24.00% | 23.19% | 54th | near its historical average |
Capital One Financial (COF) Valuation & P/E History
Capital One Financial (COF) is a US-listed stock operating in the Financial Services sector, specifically the National Commercial Banks industry currently trading at $199.90 with a market capitalization of $122.6 billion. This page provides historical valuation analysis for COF based on 1281 data points covering 2021-09-10 to 2026-10-16. The P/E ratio of 11.76 is above the historical median of 10.23, placing COF at the 59th percentile of its valuation range. The P/S ratio of 1.57 compares to a median of 1.39.
COF Valuation Metrics & Historical Range
The valuation table above shows Capital One Financial's current and historical valuation multiples, including P/E ratio, P/S ratio, EV/EBITDA, FCF yield, and dividend yield. Each metric is compared to its own historical range to determine whether COF is currently trading above or below its typical valuation levels.
- P/E ratio: Price-to-earnings measures how much investors pay per dollar of earnings. A P/E above the historical median suggests COF is expensively valued; below the median suggests it is cheap.
- P/S ratio: Price-to-sales is useful for companies with volatile or negative earnings. Lower P/S relative to history may indicate value.
- EV/EBITDA: Enterprise value to EBITDA adjusts for debt and cash, providing a capital-structure-neutral valuation measure for Capital One Financial.
- FCF yield: Free cash flow yield shows the cash return relative to market price. Higher yields may indicate undervaluation.
Is COF Overvalued or Undervalued?
Capital One Financial trades near its historical valuation range, with most metrics close to their median levels. The overall valuation percentile of 51 combines P/E, P/S, and EV/EBITDA percentiles into a single measure of how expensive COF is relative to its own history. A percentile below 25 suggests the stock may be undervalued, while a percentile above 75 suggests it may be overvalued.
However, valuation is only one factor in investment decisions. A stock can remain "overvalued" for years if growth accelerates, or "undervalued" if the business deteriorates. Always combine valuation analysis with financial statement analysis and the full COF analysis page for a complete picture.
Valuation data is computed from historical price and fundamental data via Polygon.io and Finnhub.COF trades on NYSE. This page is for informational purposes only and is not financial advice.