CAPITAL ONE FINANCIAL CORP (COF) Stock Fundamental Analysis
USA - NYSE:COF - US14040H1059 - Common Stock
220.99 USD
-2.5 (-1.12%)
220.79 USD
-0.2 (-0.09%)
We assign a fundamental rating of 4 out of 10 to COF. COF was compared to 55 industry peers in the Consumer Finance industry. COF has a bad profitability rating. Also its financial health evaluation is rather negative. COF is growing strongly while it is still valued neutral. This is a good combination!
1. Profitability
1.1 Basic Checks
In the past year COF was profitable.
COF had a positive operating cash flow in the past year.
In the past 5 years COF has always been profitable.
In the past 5 years COF always reported a positive cash flow from operatings.
1.2 Ratios
COF has a worse Return On Assets (-0.05%) than 74.55% of its industry peers.
With a Return On Equity value of -0.27%, COF is not doing good in the industry: 74.55% of the companies in the same industry are doing better.
| 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
COF's Profit Margin has declined in the last couple of years.
The Profit Margin and Operating Margin and Gross Margin are not available for COF so they could not be analyzed.
| 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
COF does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for COF has been increased compared to 1 year ago.
COF has less shares outstanding than it did 5 years ago.
The debt/assets ratio for COF has been reduced compared to a year ago.
2.2 Solvency
COF has a debt to FCF ratio of 2.86. This is a good value and a sign of high solvency as COF would need 2.86 years to pay back of all of its debts.
COF's Debt to FCF ratio of 2.86 is fine compared to the rest of the industry. COF outperforms 80.00% of its industry peers.
COF has a Debt/Equity ratio of 0.47. This is a healthy value indicating a solid balance between debt and equity.
COF has a better Debt to Equity ratio (0.47) than 76.36% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.47 | ||
| Debt/FCF | 2.86 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.78%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
COF shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 41.83%, which is quite impressive.
COF shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 4.14% yearly.
The Revenue has grown by 25.02% in the past year. This is a very strong growth!
Measured over the past years, COF shows a small growth in Revenue. The Revenue has been growing by 6.47% on average per year.
EPS 1Y (TTM)41.83%
EPS 3Y-19.6%
EPS 5Y4.14%
EPS Q2Q%31.93%
Revenue 1Y (TTM)25.02%
Revenue growth 3Y8.72%
Revenue growth 5Y6.47%
Sales Q2Q%53.38%
3.2 Future
The Earnings Per Share is expected to grow by 10.88% on average over the next years. This is quite good.
The Revenue is expected to grow by 11.94% on average over the next years. This is quite good.
EPS Next Y27.49%
EPS Next 2Y19.73%
EPS Next 3Y21.1%
EPS Next 5Y10.88%
Revenue Next Year35.18%
Revenue Next 2Y26.53%
Revenue Next 3Y19.15%
Revenue Next 5Y11.94%
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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
Based on the Price/Earnings ratio of 11.89, the valuation of COF can be described as reasonable.
COF's Price/Earnings is on the same level as the industry average.
COF's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.83.
The Price/Forward Earnings ratio is 11.05, which indicates a very decent valuation of COF.
COF's Price/Forward Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.88, COF is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.89 | ||
| Fwd PE | 11.05 |
4.2 Price Multiples
COF's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. COF is cheaper than 63.64% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.75 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
COF'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 COF's earnings are expected to grow with 21.10% in the coming years.
PEG (NY)0.43
PEG (5Y)2.87
EPS Next 2Y19.73%
EPS Next 3Y21.1%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.07%, COF has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 4.52, COF has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.30, COF's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.07% |
5.2 History
On average, the dividend of COF grows each year by 6.34%, which is quite nice.
COF has paid a dividend for at least 10 years, which is a reliable track record.
The dividend of COF decreased in the last 3 years.
Dividend Growth(5Y)6.34%
Div Incr Years0
Div Non Decr Years2
5.3 Sustainability
The earnings of COF are negative and hence is the payout ratio. COF will probably not be able to sustain this dividend level.
COF's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP-439.53%
EPS Next 2Y19.73%
EPS Next 3Y21.1%
220.99
-2.5 (-1.12%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners87.42%
Inst Owner Change-17.64%
Ins Owners0.76%
Ins Owner Change4.64%
Market Cap141.32B
Revenue(TTM)48.04B
Net Income(TTM)-301000000
Analysts81.43
Price Target259.26 (17.32%)
Short Float %1.08%
Short Ratio1.92
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.07% |
Yearly Dividend3.05
Dividend Growth(5Y)6.34%
DP-439.53%
Div Incr Years0
Div Non Decr Years2
Ex-Date
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)0.16%
PT rev (3m)6.37%
EPS NQ rev (1m)5.1%
EPS NQ rev (3m)8.14%
EPS NY rev (1m)0.94%
EPS NY rev (3m)11.87%
Revenue NQ rev (1m)0.66%
Revenue NQ rev (3m)0.57%
Revenue NY rev (1m)0.23%
Revenue NY rev (3m)0.43%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.89 | ||
| Fwd PE | 11.05 | ||
| P/S | 3.31 | ||
| P/FCF | 7.75 | ||
| P/OCF | 7.2 | ||
| P/B | 1.27 | ||
| P/tB | 2.2 | ||
| EV/EBITDA | N/A |
EPS(TTM)18.58
EY8.41%
EPS(NY)20
Fwd EY9.05%
FCF(TTM)28.5
FCFY12.9%
OCF(TTM)30.71
OCFY13.9%
SpS66.76
BVpS173.5
TBVpS100.3
PEG (NY)0.43
PEG (5Y)2.87
Graham Number269.32
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
WACC14.78%
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)41.83%
EPS 3Y-19.6%
EPS 5Y4.14%
EPS Q2Q%31.93%
EPS Next Y27.49%
EPS Next 2Y19.73%
EPS Next 3Y21.1%
EPS Next 5Y10.88%
Revenue 1Y (TTM)25.02%
Revenue growth 3Y8.72%
Revenue growth 5Y6.47%
Sales Q2Q%53.38%
Revenue Next Year35.18%
Revenue Next 2Y26.53%
Revenue Next 3Y19.15%
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 / COF FAQ
What is the ChartMill fundamental rating of CAPITAL ONE FINANCIAL CORP (COF) stock?
ChartMill assigns a fundamental rating of 4 / 10 to COF.
What is the valuation status of CAPITAL ONE FINANCIAL CORP (COF) stock?
ChartMill assigns a valuation rating of 6 / 10 to CAPITAL ONE FINANCIAL CORP (COF). This can be considered as Fairly Valued.
Can you provide the profitability details for CAPITAL ONE FINANCIAL CORP?
CAPITAL ONE FINANCIAL CORP (COF) has a profitability rating of 2 / 10.
What is the earnings growth outlook for CAPITAL ONE FINANCIAL CORP?
The Earnings per Share (EPS) of CAPITAL ONE FINANCIAL CORP (COF) is expected to grow by 27.49% in the next year.
Can you provide the dividend sustainability for COF stock?
The dividend rating of CAPITAL ONE FINANCIAL CORP (COF) is 4 / 10 and the dividend payout ratio is -439.53%.