CAPITAL ONE FINANCIAL CORP (CFX.DE) Stock Fundamental Analysis
Europe - FRA:CFX - US14040H1059 - Common Stock
189 EUR
-3 (-1.56%)
Taking everything into account, CFX scores 4 out of 10 in our fundamental rating. CFX was compared to 8 industry peers in the Consumer Finance industry. The financial health of CFX is average, but there are quite some concerns on its profitability. CFX has a correct valuation and a medium growth rate. Finally CFX also has an excellent dividend rating.
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.
CFX had positive earnings in each of the past 5 years.
Each year in the past 5 years CFX had a positive operating cash flow.
1.2 Ratios
CFX has a Return On Assets of -0.05%. This is in the lower half of the industry: CFX underperforms 75.00% of its industry peers.
CFX has a Return On Equity of -0.27%. This is in the lower half of the industry: CFX underperforms 75.00% of its industry peers.
| 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
In the last couple of years the Profit Margin of CFX has declined.
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.
CFX has more shares outstanding than it did 1 year ago.
CFX has less shares outstanding than it did 5 years ago.
The debt/assets ratio for CFX has been reduced compared to a year ago.
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.
Looking at the Debt to FCF ratio, with a value of 2.86, CFX belongs to the top 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.
Looking at the Debt to Equity ratio, with a value of 0.47, CFX belongs to the top of the industry, outperforming 87.50% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.47 | ||
| Debt/FCF | 2.86 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.71%
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.
CFX shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 13.01%.
The Revenue has been growing slightly by 6.47% on average over the past years.
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
Based on estimates for the next years, CFX will show a quite strong growth in Earnings Per Share. The EPS will grow by 10.88% on average per year.
The Revenue is expected to grow by 11.90% on average over the next years. This is quite good.
EPS Next Y26.15%
EPS Next 2Y19.1%
EPS Next 3Y21.11%
EPS Next 5Y10.88%
Revenue Next Year34.87%
Revenue Next 2Y26.33%
Revenue Next 3Y18.98%
Revenue Next 5Y11.9%
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
A Price/Earnings ratio of 13.03 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 27.38. CFX is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 11.29 indicates a reasonable valuation of CFX.
Compared to the rest of the industry, the Price/Forward Earnings ratio of CFX indicates a somewhat cheap valuation: CFX is cheaper than 62.50% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.86. CFX is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.03 | ||
| Fwd PE | 11.29 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, CFX is valued a bit cheaper than the industry average as 62.50% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.84 | ||
| EV/EBITDA | N/A |
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 21.11% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.5
PEG (5Y)3.15
EPS Next 2Y19.1%
EPS Next 3Y21.11%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.96%, CFX is a good candidate for dividend investing.
CFX's Dividend Yield is rather good when compared to the industry average which is at 4.00. CFX pays more dividend than 87.50% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.38, CFX pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.96% |
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
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.
The dividend of CFX is growing, but earnings are growing more, so the dividend growth is sustainable.
DP-439.53%
EPS Next 2Y19.1%
EPS Next 3Y21.11%
FRA:CFX (9/16/2025, 7:00:00 PM)
189
-3 (-1.56%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners58.84%
Inst Owner ChangeN/A
Ins Owners0.76%
Ins Owner ChangeN/A
Market Cap120.87B
Analysts81.43
Price Target220.37 (16.6%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.96% |
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)-0.78%
PT rev (3m)12.99%
EPS NQ rev (1m)0.69%
EPS NQ rev (3m)4.57%
EPS NY rev (1m)10.69%
EPS NY rev (3m)10.78%
Revenue NQ rev (1m)-0.2%
Revenue NQ rev (3m)-0.54%
Revenue NY rev (1m)0.01%
Revenue NY rev (3m)0.62%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.03 | ||
| Fwd PE | 11.29 | ||
| P/S | 3.35 | ||
| P/FCF | 7.84 | ||
| P/OCF | 7.27 | ||
| P/B | 1.29 | ||
| P/tB | 2.22 | ||
| EV/EBITDA | N/A |
EPS(TTM)14.5
EY7.67%
EPS(NY)16.74
Fwd EY8.86%
FCF(TTM)24.11
FCFY12.76%
OCF(TTM)25.99
OCFY13.75%
SpS56.49
BVpS146.81
TBVpS85.3
PEG (NY)0.5
PEG (5Y)3.15
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
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-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
WACC15.71%
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 Y26.15%
EPS Next 2Y19.1%
EPS Next 3Y21.11%
EPS Next 5Y10.88%
Revenue 1Y (TTM)13.01%
Revenue growth 3Y8.72%
Revenue growth 5Y6.47%
Sales Q2Q%31.41%
Revenue Next Year34.87%
Revenue Next 2Y26.33%
Revenue Next 3Y18.98%
Revenue Next 5Y11.9%
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%