CAPITAL ONE FINANCIAL CORP (CFX.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:CFX - US14040H1059 - Common Stock
191 EUR
-2 (-1.04%)
We assign a fundamental rating of 4 out of 10 to CFX. CFX was compared to 8 industry peers in the Consumer Finance industry. While CFX seems to be doing ok healthwise, there are quite some concerns on its profitability. CFX has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
- In the past year CFX was profitable.
- CFX had a positive operating cash flow in the past year.
- Each year in the past 5 years CFX has been profitable.
- Each year in the past 5 years CFX had a positive operating cash flow.
1.2 Ratios
- Looking at the Return On Assets, with a value of -0.05%, CFX is doing worse than 75.00% of the companies in the same industry.
- Looking at the Return On Equity, with a value of -0.27%, CFX is doing worse than 75.00% of the companies in the same industry.
| Industry Rank | Sector 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
1.3 Margins
- CFX's Profit Margin has declined in the last couple of years.
- CFX does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector 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
2. Health
2.1 Basic Checks
- CFX does not have a ROIC to compare to the WACC, probably because it is not profitable.
- Compared to 1 year ago, CFX has more shares outstanding
- The number of shares outstanding for CFX has been reduced compared to 5 years ago.
- CFX has a better debt/assets ratio than last year.
2.2 Solvency
- The Debt to FCF ratio of CFX is 2.86, which is a good value as it means it would take CFX, 2.86 years of fcf income to pay off 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.
- CFX has a Debt/Equity ratio of 0.47. This is a healthy value indicating a solid balance between debt and equity.
- CFX's Debt to Equity ratio of 0.47 is amongst the best of the industry. CFX outperforms 87.50% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.47 | ||
| Debt/FCF | 2.86 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.67%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- CFX shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 31.44%, which is quite impressive.
- The Earnings Per Share has been growing slightly by 4.14% on average over the past years.
- The Revenue has grown by 13.01% in the past year. This is quite good.
- Measured over the past years, CFX shows a small growth in Revenue. The Revenue has been growing by 6.47% on average per year.
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
- CFX is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 10.88% yearly.
- Based on estimates for the next years, CFX will show a quite strong growth in Revenue. The Revenue will grow by 11.94% on average per year.
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.
- The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 13.07, the valuation of CFX can be described as correct.
- Compared to the rest of the industry, the Price/Earnings ratio of CFX indicates a rather cheap valuation: CFX is cheaper than 87.50% of the companies listed in the same industry.
- The average S&P500 Price/Earnings ratio is at 27.33. CFX is valued rather cheaply when compared to this.
- The Price/Forward Earnings ratio is 11.19, which indicates a very decent 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.
- The average S&P500 Price/Forward Earnings ratio is at 24.12. CFX is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.07 | ||
| Fwd PE | 11.19 |
4.2 Price Multiples
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of CFX indicates a somewhat cheap valuation: CFX is cheaper than 62.50% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.86 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The 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%
5. Dividend
5.1 Amount
- CFX has a Yearly Dividend Yield of 1.12%. Purely for dividend investing, there may be better candidates out there.
- Compared to an average industry Dividend Yield of 1.85, CFX pays a bit more dividend than its industry peers.
- Compared to an average S&P500 Dividend Yield of 1.91, CFX's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.12% |
5.2 History
- On average, the dividend of CFX grows each year by 6.34%, which is quite nice.
Dividend Growth(5Y)6.34%
Div Incr Years0
Div Non Decr Years3
5.3 Sustainability
- The earnings of CFX are negative and hence is the payout ratio. CFX will probably not be able to sustain this dividend level.
- CFX's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP-439.53%
EPS Next 2Y19.81%
EPS Next 3Y21.18%
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 2025-07-22/amc
Earnings (Next)10-21 2025-10-21/amc
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 Rank | Sector 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 Rank | Sector 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 NumberN/A
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 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 of CAPITAL ONE FINANCIAL CORP (CFX.DE) stock?
ChartMill assigns a valuation rating of 6 / 10 to CAPITAL ONE FINANCIAL CORP (CFX.DE). This can be considered as Fairly Valued.
How profitable is CAPITAL ONE FINANCIAL CORP (CFX.DE) stock?
CAPITAL ONE FINANCIAL CORP (CFX.DE) has a profitability rating of 2 / 10.
What is the financial health of CAPITAL ONE FINANCIAL CORP (CFX.DE) stock?
The financial health rating of CAPITAL ONE FINANCIAL CORP (CFX.DE) is 4 / 10.
What is the expected EPS growth for CAPITAL ONE FINANCIAL CORP (CFX.DE) stock?
The Earnings per Share (EPS) of CAPITAL ONE FINANCIAL CORP (CFX.DE) is expected to grow by 26.3% in the next year.