Logo image of CFX.DE

CAPITAL ONE FINANCIAL CORP (CFX.DE) Stock Fundamental Analysis

FRA:CFX - Deutsche Boerse Ag - US14040H1059 - Common Stock - Currency: EUR

180  +7 (+4.05%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to CFX. CFX was compared to 7 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.


Dividend Valuation Growth Profitability Health

Quickly go to:

3

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.
CFX.DE Yearly Net Income VS EBIT VS OCF VS FCFCFX.DE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B 20B

1.2 Ratios

With a Return On Assets value of 0.93%, CFX perfoms like the industry average, outperforming 42.86% of the companies in the same industry.
With a Return On Equity value of 7.19%, CFX perfoms like the industry average, outperforming 57.14% of the companies in the same industry.
Industry RankSector Rank
ROA 0.93%
ROE 7.19%
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
CFX.DE Yearly ROA, ROE, ROICCFX.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

CFX has a Profit Margin of 11.51%. This is amongst the best in the industry. CFX outperforms 85.71% of its industry peers.
CFX's Profit Margin has declined in the last couple of years.
CFX does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 11.51%
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
CFX.DE Yearly Profit, Operating, Gross MarginsCFX.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

More info and screens

4

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.
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.
CFX.DE Yearly Shares OutstandingCFX.DE Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M 500M
CFX.DE Yearly Total Debt VS Total AssetsCFX.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100B 200B 300B 400B

2.2 Solvency

CFX has a debt to FCF ratio of 2.26. This is a good value and a sign of high solvency as CFX would need 2.26 years to pay back of all of its debts.
With an excellent Debt to FCF ratio value of 2.26, CFX belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
A Debt/Equity ratio of 0.66 indicates that CFX is somewhat dependend on debt financing.
CFX has a better Debt to Equity ratio (0.66) than 85.71% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.66
Debt/FCF 2.26
Altman-Z N/A
ROIC/WACCN/A
WACC13.41%
CFX.DE Yearly LT Debt VS Equity VS FCFCFX.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CFX.DE Yearly Current Assets VS Current LiabilitesCFX.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

More info and screens

4

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 10.28% over the past year.
The Earnings Per Share has been growing slightly by 4.14% on average over the past years.
CFX shows a small growth in Revenue. In the last year, the Revenue has grown by 6.50%.
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)10.28%
EPS 3Y-19.6%
EPS 5Y4.14%
EPS Q2Q%26.48%
Revenue 1Y (TTM)6.5%
Revenue growth 3Y8.72%
Revenue growth 5Y6.47%
Sales Q2Q%6.36%

3.2 Future

The Earnings Per Share is expected to grow by 4.97% on average over the next years.
The Revenue is expected to grow by 4.60% on average over the next years.
EPS Next Y13.39%
EPS Next 2Y19.02%
EPS Next 3Y22.15%
EPS Next 5Y4.97%
Revenue Next Year35.63%
Revenue Next 2Y26.67%
Revenue Next 3Y19.42%
Revenue Next 5Y4.6%

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.
CFX.DE Yearly Revenue VS EstimatesCFX.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 20B 40B 60B
CFX.DE Yearly EPS VS EstimatesCFX.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 5 10 15 20 25

More info and screens

5

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 14.23 indicates a correct valuation of CFX.
Based on the Price/Earnings ratio, CFX is valued cheaply inside the industry as 85.71% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of CFX to the average of the S&P500 Index (27.15), we can say CFX is valued slightly cheaper.
The Price/Forward Earnings ratio is 10.66, which indicates a very decent valuation of CFX.
The rest of the industry has a similar Price/Forward Earnings ratio as CFX.
The average S&P500 Price/Forward Earnings ratio is at 21.60. CFX is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 14.23
Fwd PE 10.66
CFX.DE Price Earnings VS Forward Price EarningsCFX.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of CFX is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 7.29
EV/EBITDA N/A
CFX.DE Per share dataCFX.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80

4.3 Compensation for Growth

CFX's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
CFX's earnings are expected to grow with 22.15% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.06
PEG (5Y)3.44
EPS Next 2Y19.02%
EPS Next 3Y22.15%

More info and screens

4

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.14%, CFX has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.28, CFX pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.42, CFX's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 1.14%

5.2 History

On average, the dividend of CFX grows each year by 6.36%, which is quite nice.
Dividend Growth(5Y)6.36%
Div Incr Years0
Div Non Decr Years3
CFX.DE Yearly Dividends per shareCFX.DE Yearly Dividends per shareYearly Dividends per share 2021 2022 2023 2024 2025 0.5 1 1.5 2

5.3 Sustainability

CFX pays out 25.36% 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.
DP25.36%
EPS Next 2Y19.02%
EPS Next 3Y22.15%
CFX.DE Yearly Income VS Free CF VS DividendCFX.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B
CFX.DE Dividend Payout.CFX.DE Dividend Payout, showing the Payout Ratio.CFX.DE Dividend Payout.PayoutRetained Earnings

More info and screens

CAPITAL ONE FINANCIAL CORP

FRA:CFX (6/26/2025, 7:00:00 PM)

180

+7 (+4.05%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)04-22 2025-04-22/amc
Earnings (Next)07-22 2025-07-22/amc
Inst Owners56.81%
Inst Owner ChangeN/A
Ins Owners0.76%
Ins Owner ChangeN/A
Market Cap115.23B
Analysts80.77
Price Target195.26 (8.48%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 1.14%
Yearly Dividend2.6
Dividend Growth(5Y)6.36%
DP25.36%
Div Incr Years0
Div Non Decr Years3
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)8.7%
Min EPS beat(2)8.56%
Max EPS beat(2)8.83%
EPS beat(4)3
Avg EPS beat(4)7.65%
Min EPS beat(4)-5.56%
Max EPS beat(4)18.76%
EPS beat(8)5
Avg EPS beat(8)6.79%
EPS beat(12)5
Avg EPS beat(12)-2.97%
EPS beat(16)9
Avg EPS beat(16)3.44%
Revenue beat(2)0
Avg Revenue beat(2)-1.34%
Min Revenue beat(2)-1.47%
Max Revenue beat(2)-1.2%
Revenue beat(4)1
Avg Revenue beat(4)-0.95%
Min Revenue beat(4)-1.66%
Max Revenue beat(4)0.54%
Revenue beat(8)2
Avg Revenue beat(8)-0.75%
Revenue beat(12)3
Avg Revenue beat(12)-0.83%
Revenue beat(16)7
Avg Revenue beat(16)-0.05%
PT rev (1m)0.78%
PT rev (3m)-7.53%
EPS NQ rev (1m)50.02%
EPS NQ rev (3m)-50.76%
EPS NY rev (1m)-0.42%
EPS NY rev (3m)-0.45%
Revenue NQ rev (1m)0.46%
Revenue NQ rev (3m)23.86%
Revenue NY rev (1m)28.39%
Revenue NY rev (3m)28.55%
Valuation
Industry RankSector Rank
PE 14.23
Fwd PE 10.66
P/S 3.4
P/FCF 7.29
P/OCF 6.81
P/B 2.12
P/tB 2.81
EV/EBITDA N/A
EPS(TTM)12.65
EY7.03%
EPS(NY)16.88
Fwd EY9.38%
FCF(TTM)24.71
FCFY13.73%
OCF(TTM)26.45
OCFY14.69%
SpS53
BVpS84.81
TBVpS63.97
PEG (NY)1.06
PEG (5Y)3.44
Profitability
Industry RankSector Rank
ROA 0.93%
ROE 7.19%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 11.51%
GM N/A
FCFM 46.62%
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-Score7
Asset Turnover0.08
Health
Industry RankSector Rank
Debt/Equity 0.66
Debt/FCF 2.26
Debt/EBITDA N/A
Cap/Depr 40.24%
Cap/Sales 3.29%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 405.06%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC13.41%
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)10.28%
EPS 3Y-19.6%
EPS 5Y4.14%
EPS Q2Q%26.48%
EPS Next Y13.39%
EPS Next 2Y19.02%
EPS Next 3Y22.15%
EPS Next 5Y4.97%
Revenue 1Y (TTM)6.5%
Revenue growth 3Y8.72%
Revenue growth 5Y6.47%
Sales Q2Q%6.36%
Revenue Next Year35.63%
Revenue Next 2Y26.67%
Revenue Next 3Y19.42%
Revenue Next 5Y4.6%
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 1Y16.12%
FCF growth 3Y13.45%
FCF growth 5Y1.48%
OCF growth 1Y17.39%
OCF growth 3Y13.84%
OCF growth 5Y1.76%