CAPITAL ONE FINANCIAL CORP (CFX.DE) Stock Fundamental Analysis
Europe - FRA:CFX - US14040H1059 - Common Stock
191 EUR
-2 (-1.04%)
CFX gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 9 industry peers in the Consumer Finance industry. While CFX seems to be doing ok healthwise, there are quite some concerns on its profitability. CFX is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
CFX had positive earnings in the past year.
In the past year CFX had a positive cash flow from operations.
CFX had positive earnings in each of the past 5 years.
In the past 5 years CFX always reported a positive cash flow from operatings.
1.2 Ratios
With a Return On Assets value of -0.05%, CFX is not doing good in the industry: 75.00% of the companies in the same industry are doing better.
CFX has a worse Return On Equity (-0.27%) than 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.
The number of shares outstanding for CFX has been increased compared to 1 year ago.
Compared to 5 years ago, CFX has less shares outstanding
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.
The Debt to FCF ratio of CFX (2.86) is better than 87.50% of its industry peers.
CFX has a Debt/Equity ratio of 0.47. This is a healthy value indicating a solid balance between debt and equity.
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 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
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.
Looking at the last year, CFX shows a quite strong growth in Revenue. The Revenue has grown by 13.01% in the last year.
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.
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.
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
The Price/Earnings ratio is 13.07, which 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.
When comparing the Price/Earnings ratio of CFX to the average of the S&P500 Index (25.89), we can say CFX is valued slightly cheaper.
With a Price/Forward Earnings ratio of 11.19, the valuation of CFX can be described as very reasonable.
62.50% of the companies in the same industry are more expensive than CFX, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 34.59. CFX is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.07 | ||
| Fwd PE | 11.19 |
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 | 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.
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
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 2.90, CFX pays a bit more dividend than its industry peers.
With a Dividend Yield of 1.12, CFX pays less dividend than the S&P500 average, which is at 2.36.
| Industry Rank | Sector 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
5.3 Sustainability
CFX has negative earnings and hence a negative payout ratio. The dividend may be in danger.
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%.