Stock AnalizCapital One Financial Corp. COF
Major Banks · IPO 1994 · data as of November 13, 2026
Capital One Financial Corp. (COF) is a financial company listed in the US with a market value of about $117.3B. In the twelve months to September 30, 2026 it had revenue of $63.0B and net income of $10.9B, a net margin of 17.2%.
Its overall Stock Analiz score is 3.4 out of 5 (good). The strongest part is value (4/5); the weakest is track record (2/5).
Key numbers: a P/E of 11.2, a price to free cash flow of 4.5, 5-year revenue growth of 13% a year. A discounted cash flow model with moderate assumptions puts its intrinsic value about 29% above the current price.
Score: 3.4 / 5
Checks passed
- P/E below 25
- P/E below the industry median
- P/FCF below 20
- Price below intrinsic value (DCF, moderate assumptions)
- Revenue growth above 10% last year
- 3-year revenue growth above 10% a year
- 3-year free cash flow growth above 10% a year
- Strong R&D investment or growth above 20%
Checks not passed
- PEG below 1.5
- Profit margin improving
- 5-year EPS growth above 10% a year
- 5-year average ROIC above 12%
- ROE above 15%
- Interest covered more than 5 times
- Liabilities below 60% of assets
- Share count down over 3 years (buybacks)
Valuation
Growth and quality
Financials, last 10 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $63.0B | $53.4B | $39.1B | $36.8B | $34.2B | $30.4B | $28.5B | $28.6B | $28.1B | $27.2B | $25.5B |
| Net income | $10.9B | $2.5B | $4.8B | $4.9B | $7.4B | $12.4B | $2.7B | $5.5B | $6.0B | $2.0B | $3.8B |
| Free cash flow | $26.3B | $26.1B | $17.0B | $19.6B | $12.9B | $11.6B | $16.0B | $15.8B | $12.1B | $13.2B | $11.1B |
| EPS (diluted) | $17.48 | $4.03 | $11.59 | $11.95 | $17.91 | $26.94 | $5.18 | $11.05 | $11.82 | $3.49 | $6.89 |
| Net margin | 17.2% | 4.6% | 12.1% | 13.3% | 21.5% | 40.7% | 9.5% | 19.4% | 21.4% | 7.3% | 14.7% |
| ROIC | — | — | — | — | — | — | — | — | — | — | — |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 21 analysts is $254.48, 30% above the current price; targets range from $225.00 to $290.00; the consensus rating is “Buy”; expected EPS is $21.73 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is Capital One Financial’s P/E ratio?
About 11.2, based on the last twelve months of diluted earnings per share (forward P/E about 8.7).
Is Capital One Financial stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 29% above the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does Capital One Financial pay a dividend?
Yes. The dividend yield is about 1.64%, and it has paid dividends for 10 years in our data.
Is Capital One Financial a good stock to buy?
We do not give buy or sell advice. Capital One Financial scores 3.4 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.