CAPITAL ONE FINANCIAL CORP (CFX.DE) Fundamental Analysis & Valuation

FRA:CFX • US14040H1059

Current stock price

191 EUR
-2 (-1.04%)
Last:

This CFX.DE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. CFX.DE Profitability Analysis

1.1 Basic Checks

  • In the past year CFX was profitable.
  • In the past year CFX had a positive cash flow from operations.
  • Each year in the past 5 years CFX has been profitable.
  • CFX had a positive operating cash flow in each of the past 5 years.
CFX.DE Yearly Net Income VS EBIT VS OCF VS FCFCFX.DE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B 20B

1.2 Ratios

  • CFX's Return On Assets of -0.05% is on the low side compared to the rest of the industry. CFX is outperformed by 75.00% of its industry peers.
  • The Return On Equity of CFX (-0.27%) is worse than 75.00% of its industry peers.
Industry RankSector Rank
ROA -0.05%
ROE -0.27%
ROIC N/A
ROA(3y)1.14%
ROA(5y)1.35%
ROE(3y)9.53%
ROE(5y)10.43%
ROIC(3y)N/A
ROIC(5y)N/A
CFX.DE Yearly ROA, ROE, ROICCFX.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

  • In the last couple of years the Profit Margin of CFX has declined.
  • The Profit Margin and Operating Margin and Gross Margin are not available for CFX so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-33.88%
PM growth 5Y-8.95%
GM growth 3YN/A
GM growth 5YN/A
CFX.DE Yearly Profit, Operating, Gross MarginsCFX.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. CFX.DE Health Analysis

2.1 Basic Checks

  • CFX does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • CFX has more shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, CFX has less shares outstanding
  • CFX has a better debt/assets ratio than last year.
CFX.DE Yearly Shares OutstandingCFX.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M
CFX.DE Yearly Total Debt VS Total AssetsCFX.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 100B 200B 300B 400B

2.2 Solvency

  • CFX has a debt to FCF ratio of 2.86. This is a good value and a sign of high solvency as CFX would need 2.86 years to pay back of all of its debts.
  • With an excellent Debt to FCF ratio value of 2.86, CFX belongs to the best of the industry, outperforming 87.50% of the companies in the same industry.
  • A Debt/Equity ratio of 0.47 indicates that CFX is not too dependend on debt financing.
  • CFX has a Debt to Equity ratio of 0.47. This is amongst the best in the industry. CFX outperforms 87.50% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.47
Debt/FCF 2.86
Altman-Z N/A
ROIC/WACCN/A
WACC15.67%
CFX.DE Yearly LT Debt VS Equity VS FCFCFX.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CFX.DE Yearly Current Assets VS Current LiabilitesCFX.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. CFX.DE Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 31.44% over the past year.
  • CFX shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 4.14% yearly.
  • CFX shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 13.01%.
  • CFX shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.47% yearly.
EPS 1Y (TTM)31.44%
EPS 3Y-19.6%
EPS 5Y4.14%
EPS Q2Q%74.52%
Revenue 1Y (TTM)13.01%
Revenue growth 3Y8.72%
Revenue growth 5Y6.47%
Sales Q2Q%31.41%

3.2 Future

  • The Earnings Per Share is expected to grow by 10.88% on average over the next years. This is quite good.
  • CFX is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.94% yearly.
EPS Next Y26.3%
EPS Next 2Y19.81%
EPS Next 3Y21.18%
EPS Next 5Y10.88%
Revenue Next Year35.04%
Revenue Next 2Y26.46%
Revenue Next 3Y19.07%
Revenue Next 5Y11.94%

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
CFX.DE Yearly Revenue VS EstimatesCFX.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 20B 40B 60B
CFX.DE Yearly EPS VS EstimatesCFX.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 5 10 15 20 25

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6

4. CFX.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 13.07 indicates a correct valuation of CFX.
  • Based on the Price/Earnings ratio, CFX is valued cheaper than 87.50% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 27.33. CFX is valued rather cheaply when compared to this.
  • A Price/Forward Earnings ratio of 11.19 indicates a reasonable valuation of CFX.
  • Based on the Price/Forward Earnings ratio, CFX is valued a bit cheaper than the industry average as 62.50% of the companies are valued more expensively.
  • CFX's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 38.16.
Industry RankSector Rank
PE 13.07
Fwd PE 11.19
CFX.DE Price Earnings VS Forward Price EarningsCFX.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • CFX's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. CFX is cheaper than 62.50% of the companies in the same industry.
Industry RankSector Rank
P/FCF 7.86
EV/EBITDA N/A
CFX.DE Per share dataCFX.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 50 100

4.3 Compensation for Growth

  • CFX's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • CFX's earnings are expected to grow with 21.18% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.5
PEG (5Y)3.16
EPS Next 2Y19.81%
EPS Next 3Y21.18%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. CFX.DE Dividend Analysis

5.1 Amount

  • CFX has a Yearly Dividend Yield of 1.12%.
  • CFX's Dividend Yield is a higher than the industry average which is at 2.09.
  • Compared to the average S&P500 Dividend Yield of 1.82, CFX is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.12%

5.2 History

  • The dividend of CFX is nicely growing with an annual growth rate of 6.34%!
Dividend Growth(5Y)6.34%
Div Incr Years0
Div Non Decr Years3
CFX.DE Yearly Dividends per shareCFX.DE Yearly Dividends per shareYearly Dividends per share 2021 2022 2023 2024 2025 0.5 1 1.5 2

5.3 Sustainability

  • CFX has negative earnings and hence a negative payout ratio. The dividend may be in danger.
  • The dividend of CFX is growing, but earnings are growing more, so the dividend growth is sustainable.
DP-439.53%
EPS Next 2Y19.81%
EPS Next 3Y21.18%
CFX.DE Yearly Income VS Free CF VS DividendCFX.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B

More info and screens

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CFX.DE Fundamentals: All Metrics, Ratios and Statistics

CAPITAL ONE FINANCIAL CORP

FRA:CFX (9/26/2025, 7:00:00 PM)

191

-2 (-1.04%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)07-22
Earnings (Next)10-21
Inst Owners87.42%
Inst Owner ChangeN/A
Ins Owners0.76%
Ins Owner ChangeN/A
Market Cap122.14B
Revenue(TTM)42.70B
Net Income(TTM)-301.00M
Analysts81.43
Price Target221.02 (15.72%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 1.12%
Yearly Dividend2.6
Dividend Growth(5Y)6.34%
DP-439.53%
Div Incr Years0
Div Non Decr Years3
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)27.41%
Min EPS beat(2)8.83%
Max EPS beat(2)45.98%
EPS beat(4)4
Avg EPS beat(4)20.53%
Min EPS beat(4)8.56%
Max EPS beat(4)45.98%
EPS beat(8)5
Avg EPS beat(8)11.53%
EPS beat(12)6
Avg EPS beat(12)1.16%
EPS beat(16)9
Avg EPS beat(16)2.41%
Revenue beat(2)0
Avg Revenue beat(2)-2.04%
Min Revenue beat(2)-2.6%
Max Revenue beat(2)-1.47%
Revenue beat(4)1
Avg Revenue beat(4)-1.18%
Min Revenue beat(4)-2.6%
Max Revenue beat(4)0.54%
Revenue beat(8)2
Avg Revenue beat(8)-0.81%
Revenue beat(12)3
Avg Revenue beat(12)-0.9%
Revenue beat(16)6
Avg Revenue beat(16)-0.38%
PT rev (1m)0.24%
PT rev (3m)13.19%
EPS NQ rev (1m)4.27%
EPS NQ rev (3m)7.59%
EPS NY rev (1m)0.13%
EPS NY rev (3m)11.39%
Revenue NQ rev (1m)0.13%
Revenue NQ rev (3m)-0.07%
Revenue NY rev (1m)-0.02%
Revenue NY rev (3m)-0.43%
Valuation
Industry RankSector Rank
PE 13.07
Fwd PE 11.19
P/S 3.36
P/FCF 7.86
P/OCF 7.3
P/B 1.29
P/tB 2.22
EV/EBITDA N/A
EPS(TTM)14.61
EY7.65%
EPS(NY)17.06
Fwd EY8.93%
FCF(TTM)24.29
FCFY12.72%
OCF(TTM)26.17
OCFY13.7%
SpS56.9
BVpS147.86
TBVpS85.91
PEG (NY)0.5
PEG (5Y)3.16
Graham Number0 (-100%)
Profitability
Industry RankSector Rank
ROA -0.05%
ROE -0.27%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM 42.68%
ROA(3y)1.14%
ROA(5y)1.35%
ROE(3y)9.53%
ROE(5y)10.43%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-33.88%
PM growth 5Y-8.95%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.06
Health
Industry RankSector Rank
Debt/Equity 0.47
Debt/FCF 2.86
Debt/EBITDA N/A
Cap/Depr 41.1%
Cap/Sales 3.31%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC15.67%
ROIC/WACCN/A
Cap/Depr(3y)32.03%
Cap/Depr(5y)27.28%
Cap/Sales(3y)2.81%
Cap/Sales(5y)2.64%
Profit Quality(3y)330.76%
Profit Quality(5y)352.51%
High Growth Momentum
Growth
EPS 1Y (TTM)31.44%
EPS 3Y-19.6%
EPS 5Y4.14%
EPS Q2Q%74.52%
EPS Next Y26.3%
EPS Next 2Y19.81%
EPS Next 3Y21.18%
EPS Next 5Y10.88%
Revenue 1Y (TTM)13.01%
Revenue growth 3Y8.72%
Revenue growth 5Y6.47%
Sales Q2Q%31.41%
Revenue Next Year35.04%
Revenue Next 2Y26.46%
Revenue Next 3Y19.07%
Revenue Next 5Y11.94%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y11.61%
FCF growth 3Y13.45%
FCF growth 5Y1.48%
OCF growth 1Y13.65%
OCF growth 3Y13.84%
OCF growth 5Y1.76%

CAPITAL ONE FINANCIAL CORP / CFX.DE Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for CAPITAL ONE FINANCIAL CORP?

ChartMill assigns a fundamental rating of 4 / 10 to CFX.DE.


What is the valuation status for CFX stock?

ChartMill assigns a valuation rating of 6 / 10 to CAPITAL ONE FINANCIAL CORP (CFX.DE). This can be considered as Fairly Valued.


Can you provide the profitability details for CAPITAL ONE FINANCIAL CORP?

CAPITAL ONE FINANCIAL CORP (CFX.DE) has a profitability rating of 2 / 10.


What is the earnings growth outlook for CAPITAL ONE FINANCIAL CORP?

The Earnings per Share (EPS) of CAPITAL ONE FINANCIAL CORP (CFX.DE) is expected to grow by 26.3% in the next year.


Can you provide the dividend sustainability for CFX stock?

The dividend rating of CAPITAL ONE FINANCIAL CORP (CFX.DE) is 4 / 10 and the dividend payout ratio is -439.53%.