CAPITAL ONE FINANCIAL CORP (CFX.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:CFX - US14040H1059 - Common Stock
191 EUR
-2 (-1.04%)
Taking everything into account, CFX scores 4 out of 10 in our fundamental rating. CFX was compared to 9 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.
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.
In the past 5 years CFX has always been profitable.
In the past 5 years CFX always reported a positive cash flow from operatings.
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.
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
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.
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.
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.
CFX has a Debt to FCF ratio of 2.86. This is amongst the best in the industry. CFX outperforms 87.50% of its industry peers.
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
WACC15.67%
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.
Looking at the last year, CFX shows a quite strong growth in Revenue. The Revenue has grown by 13.01% in the last year.
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 11.94% on average over the next years. This is quite good.
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 13.07, CFX is valued correctly.
87.50% of the companies in the same industry are more expensive than CFX, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 26.46, CFX is valued rather cheaply.
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 62.50% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of CFX to the average of the S&P500 Index (36.10), we can say CFX is valued rather cheaply.
| 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
CFX's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as CFX's earnings are expected to grow with 21.18% in the coming years.
PEG (NY)0.5
PEG (5Y)3.16
EPS Next 2Y19.81%
EPS Next 3Y21.18%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.12%, CFX has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 2.75, CFX pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.32, 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)
Earnings (Next)
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.
Can you provide the valuation status for CAPITAL ONE FINANCIAL CORP?
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 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.
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%.