CAPITAL ONE FINANCIAL CORP (CFX.DE) Stock Fundamental Analysis
FRA:CFX - Deutsche Boerse Ag - US14040H1059 - Common Stock - Currency: EUR
We assign a fundamental rating of 4 out of 10 to CFX. CFX was compared to 8 industry peers in the Consumer Finance industry. CFX scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. CFX is not valued too expensively and it also shows a decent growth rate.
1. Profitability
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.
Of the past 5 years CFX 4 years had a positive operating cash flow.
1.2 Ratios
The Return On Assets of CFX (0.84%) is worse than 75.00% of its industry peers.
CFX has a Return On Equity (6.46%) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.84% | ||
| ROE | 6.46% | ||
| 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
With a decent Profit Margin value of 10.57%, CFX is doing good in the industry, outperforming 75.00% of the companies in the same industry.
In the last couple of years the Profit Margin of CFX has declined.
The Operating Margin and Gross Margin are not available for CFX so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 10.57% | ||
| 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.
CFX has more shares outstanding than it did 1 year ago.
The number of shares outstanding for CFX has been reduced compared to 5 years ago.
Compared to 1 year ago, CFX has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of CFX is 2.27, which is a good value as it means it would take CFX, 2.27 years of fcf income to pay off all of its debts.
CFX's Debt to FCF ratio of 2.27 is amongst the best of the industry. CFX outperforms 87.50% of its industry peers.
A Debt/Equity ratio of 0.78 indicates that CFX is somewhat dependend on debt financing.
CFX's Debt to Equity ratio of 0.78 is amongst the best of the industry. CFX outperforms 87.50% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.78 | ||
| Debt/FCF | 2.27 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.43%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 11.42% 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 a small growth in Revenue. In the last year, the Revenue has grown by 6.32%.
The Revenue has been growing slightly by 6.47% on average over the past years.
EPS 1Y (TTM)11.42%
EPS 3Y-19.6%
EPS 5Y4.14%
EPS Q2Q%37.95%
Revenue 1Y (TTM)6.32%
Revenue growth 3Y8.72%
Revenue growth 5Y6.47%
Sales Q2Q%7.2%
3.2 Future
Based on estimates for the next years, CFX will show a small growth in Earnings Per Share. The EPS will grow by 4.97% on average per year.
Based on estimates for the next years, CFX will show a small growth in Revenue. The Revenue will grow by 2.92% on average per year.
EPS Next Y14.28%
EPS Next 2Y15.18%
EPS Next 3Y13.84%
EPS Next 5Y4.97%
Revenue Next Year5.28%
Revenue Next 2Y5.18%
Revenue Next 3Y5.53%
Revenue Next 5Y2.92%
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 decreasing.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 11.72, the valuation of CFX can be described as reasonable.
CFX's Price/Earnings ratio is a bit cheaper when compared to the industry. CFX is cheaper than 62.50% of the companies in the same industry.
CFX's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 29.35.
With a Price/Forward Earnings ratio of 10.25, the valuation of CFX can be described as very reasonable.
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 is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.10, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.72 | ||
| Fwd PE | 10.25 |
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 Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.87 | ||
| 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 13.84% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.82
PEG (5Y)2.83
EPS Next 2Y15.18%
EPS Next 3Y13.84%
5. Dividend
5.1 Amount
CFX has a Yearly Dividend Yield of 1.22%.
CFX's Dividend Yield is a higher than the industry average which is at 5.24.
Compared to an average S&P500 Dividend Yield of 2.33, CFX's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.22% |
5.2 History
The dividend of CFX is nicely growing with an annual growth rate of 6.94%!
Dividend Growth(5Y)6.94%
Div Incr Years0
Div Non Decr Years3
5.3 Sustainability
CFX pays out 28.58% of its income as dividend. This is a sustainable payout ratio.
The dividend of CFX is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP28.58%
EPS Next 2Y15.18%
EPS Next 3Y13.84%
FRA:CFX (3/7/2025, 7:00:00 PM)
156
-11 (-6.59%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners93.42%
Inst Owner ChangeN/A
Ins Owners1.15%
Ins Owner ChangeN/A
Market Cap59.47B
Analysts74.62
Price Target205.9 (31.99%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.22% |
Yearly Dividend2.92
Dividend Growth(5Y)6.94%
DP28.58%
Div Incr Years0
Div Non Decr Years3
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)6.6%
Min EPS beat(2)-5.56%
Max EPS beat(2)18.76%
EPS beat(4)1
Avg EPS beat(4)-1.63%
Min EPS beat(4)-15.88%
Max EPS beat(4)18.76%
EPS beat(8)3
Avg EPS beat(8)-4%
EPS beat(12)5
Avg EPS beat(12)-4.13%
EPS beat(16)9
Avg EPS beat(16)11.85%
Revenue beat(2)1
Avg Revenue beat(2)-0.56%
Min Revenue beat(2)-1.66%
Max Revenue beat(2)0.54%
Revenue beat(4)1
Avg Revenue beat(4)-0.5%
Min Revenue beat(4)-1.66%
Max Revenue beat(4)0.54%
Revenue beat(8)2
Avg Revenue beat(8)-0.88%
Revenue beat(12)5
Avg Revenue beat(12)-0.42%
Revenue beat(16)9
Avg Revenue beat(16)0.43%
PT rev (1m)10.63%
PT rev (3m)36.86%
EPS NQ rev (1m)0.51%
EPS NQ rev (3m)0.81%
EPS NY rev (1m)0.2%
EPS NY rev (3m)0.78%
Revenue NQ rev (1m)0.12%
Revenue NQ rev (3m)0.11%
Revenue NY rev (1m)0.04%
Revenue NY rev (3m)0.28%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.72 | ||
| Fwd PE | 10.25 | ||
| P/S | 1.62 | ||
| P/FCF | 2.87 | ||
| P/OCF | 2.73 | ||
| P/B | 0.99 | ||
| P/tB | 1.32 | ||
| EV/EBITDA | N/A |
EPS(TTM)13.31
EY8.53%
EPS(NY)15.22
Fwd EY9.75%
FCF(TTM)54.34
FCFY34.83%
OCF(TTM)57.12
OCFY36.61%
SpS96.22
BVpS157.56
TBVpS118.26
PEG (NY)0.82
PEG (5Y)2.83
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.84% | ||
| ROE | 6.46% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 10.57% | ||
| GM | N/A | ||
| FCFM | 56.47% |
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
ROICexcg growth 3YN/A
ROICexcg 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-Score6
Asset Turnover0.08
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.78 | ||
| Debt/FCF | 2.27 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 34.43% | ||
| Cap/Sales | 2.89% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 534.27% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC13.43%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)11.42%
EPS 3Y-19.6%
EPS 5Y4.14%
EPS Q2Q%37.95%
EPS Next Y14.28%
EPS Next 2Y15.18%
EPS Next 3Y13.84%
EPS Next 5Y4.97%
Revenue 1Y (TTM)6.32%
Revenue growth 3Y8.72%
Revenue growth 5Y6.47%
Sales Q2Q%7.2%
Revenue Next Year5.28%
Revenue Next 2Y5.18%
Revenue Next 3Y5.53%
Revenue Next 5Y2.92%
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 1Y5.14%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y5.45%
OCF growth 3YN/A
OCF growth 5YN/A