CAPITAL ONE FINANCIAL CORP (COF)
US14040H1059 - Common Stock
Overall COF gets a fundamental rating of 3 out of 10. We evaluated COF against 52 industry peers in the Consumer Finance industry. COF may be in some trouble as it scores bad on both profitability and health. COF has a valuation in line with the averages, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
COF had positive earnings in the past year.
In the past year COF had a positive cash flow from operations.
In the past 5 years COF has always been profitable.
COF had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
COF has a Return On Assets (0.84%) which is in line with its industry peers.
Looking at the Return On Equity, with a value of 6.46%, COF is in line with its industry, outperforming 44.23% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.84% | ||
| ROE | 6.46% | ||
| ROIC | N/A |
ROA(3y)1.76%
ROA(5y)1.43%
ROE(3y)13.63%
ROE(5y)10.76%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
With a decent Profit Margin value of 10.57%, COF is doing good in the industry, outperforming 61.54% of the companies in the same industry.
In the last couple of years the Profit Margin of COF has declined.
COF does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 10.57% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y14.37%
PM growth 5Y-9.34%
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 reduced compared to 1 year ago.
COF has less shares outstanding than it did 5 years ago.
COF has a better debt/assets ratio than last year.
2.2 Solvency
COF has a debt to FCF ratio of 2.27. This is a good value and a sign of high solvency as COF would need 2.27 years to pay back of all of its debts.
With a decent Debt to FCF ratio value of 2.27, COF is doing good in the industry, outperforming 78.85% of the companies in the same industry.
COF has a Debt/Equity ratio of 0.78. This is a neutral value indicating COF is somewhat dependend on debt financing.
COF has a better Debt to Equity ratio (0.78) than 67.31% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.78 | ||
| Debt/FCF | 2.27 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.28%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
COF shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by 0.00%.
The Earnings Per Share has been growing slightly by 3.31% on average over the past years.
COF shows a small growth in Revenue. In the last year, the Revenue has grown by 5.80%.
The Revenue has been growing slightly by 5.55% on average over the past years.
EPS 1Y (TTM)0%
EPS 3Y34.9%
EPS 5Y3.31%
EPS Q2Q%1.35%
Revenue 1Y (TTM)5.8%
Revenue growth 3Y8.85%
Revenue growth 5Y5.55%
Sales Q2Q%6.92%
3.2 Future
COF is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.72% yearly.
Based on estimates for the next years, COF will show a small growth in Revenue. The Revenue will grow by 3.99% on average per year.
EPS Next Y9.92%
EPS Next 2Y12.73%
EPS Next 3Y13.73%
EPS Next 5Y6.72%
Revenue Next Year6.34%
Revenue Next 2Y5.79%
Revenue Next 3Y5.65%
Revenue Next 5Y3.99%
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
COF is valuated correctly with a Price/Earnings ratio of 13.90.
The rest of the industry has a similar Price/Earnings ratio as COF.
COF is valuated rather cheaply when we compare the Price/Earnings ratio to 27.54, which is the current average of the S&P500 Index.
COF is valuated reasonably with a Price/Forward Earnings ratio of 11.44.
Compared to the rest of the industry, the Price/Forward Earnings ratio of COF is on the same level as its industry peers.
The average S&P500 Price/Forward Earnings ratio is at 23.99. COF is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.9 | ||
| Fwd PE | 11.44 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, COF is valued a bit cheaper than the industry average as 65.38% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.2 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
COF's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
COF's earnings are expected to grow with 13.73% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.4
PEG (5Y)4.2
EPS Next 2Y12.73%
EPS Next 3Y13.73%
5. Dividend
5.1 Amount
COF has a Yearly Dividend Yield of 1.37%.
Compared to an average industry Dividend Yield of 4.49, COF has a dividend in line with its industry peers.
With a Dividend Yield of 1.37, COF pays less dividend than the S&P500 average, which is at 2.36.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.37% |
5.2 History
The dividend of COF is nicely growing with an annual growth rate of 6.94%!
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)6.94%
Div Incr Years0
Div Non Decr Years2
5.3 Sustainability
COF pays out 28.58% of its income as dividend. This is a sustainable payout ratio.
The dividend of COF is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP28.58%
EPS Next 2Y12.73%
EPS Next 3Y13.73%
CAPITAL ONE FINANCIAL CORP
NYSE:COF (12/26/2024, 12:23:09 PM)
182.065
-0.06 (-0.03%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners89.84%
Inst Owner Change0.91%
Ins Owners1.15%
Ins Owner Change-1.56%
Market Cap69.46B
Analysts72.31
Price Target183.16 (0.6%)
Short Float %4.42%
Short Ratio5.43
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.37% |
Dividend Growth(5Y)6.94%
DP28.58%
Div Incr Years0
Div Non Decr Years2
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)6.6%
Min EPS beat(2)-5.56%
Max EPS beat(2)18.76%
EPS beat(4)1
Avg EPS beat(4)-1.63%
Min EPS beat(4)-15.88%
Max EPS beat(4)18.76%
EPS beat(8)3
Avg EPS beat(8)-4%
EPS beat(12)5
Avg EPS beat(12)-4.13%
EPS beat(16)9
Avg EPS beat(16)11.85%
Revenue beat(2)1
Avg Revenue beat(2)-0.56%
Min Revenue beat(2)-1.66%
Max Revenue beat(2)0.54%
Revenue beat(4)1
Avg Revenue beat(4)-0.5%
Min Revenue beat(4)-1.66%
Max Revenue beat(4)0.54%
Revenue beat(8)2
Avg Revenue beat(8)-0.88%
Revenue beat(12)5
Avg Revenue beat(12)-0.42%
Revenue beat(16)9
Avg Revenue beat(16)0.43%
PT rev (1m)11.77%
PT rev (3m)13.34%
EPS NQ rev (1m)0.3%
EPS NQ rev (3m)-6.21%
EPS NY rev (1m)0.06%
EPS NY rev (3m)3.75%
Revenue NQ rev (1m)-0.01%
Revenue NQ rev (3m)3.89%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.18%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.9 | ||
| Fwd PE | 11.44 | ||
| P/S | 1.81 | ||
| P/FCF | 3.2 | ||
| P/OCF | 3.04 | ||
| P/B | 1.1 | ||
| P/tB | 1.47 | ||
| EV/EBITDA | N/A |
EPS(TTM)13.1
EY7.2%
EPS(NY)15.91
Fwd EY8.74%
FCF(TTM)56.89
FCFY31.24%
OCF(TTM)59.79
OCFY32.84%
SpS100.73
BVpS164.94
TBVpS123.81
PEG (NY)1.4
PEG (5Y)4.2
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.84% | ||
| ROE | 6.46% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 10.57% | ||
| GM | N/A | ||
| FCFM | 56.47% |
ROA(3y)1.76%
ROA(5y)1.43%
ROE(3y)13.63%
ROE(5y)10.76%
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 3Y14.37%
PM growth 5Y-9.34%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.08
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.78 | ||
| Debt/FCF | 2.27 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 34.43% | ||
| Cap/Sales | 2.89% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 534.27% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC13.28%
ROIC/WACCN/A
Cap/Depr(3y)26.31%
Cap/Depr(5y)25.16%
Cap/Sales(3y)2.54%
Cap/Sales(5y)2.64%
Profit Quality(3y)235.97%
Profit Quality(5y)336.9%
High Growth Momentum
Growth
EPS 1Y (TTM)0%
EPS 3Y34.9%
EPS 5Y3.31%
EPS Q2Q%1.35%
EPS Next Y9.92%
EPS Next 2Y12.73%
EPS Next 3Y13.73%
EPS Next 5Y6.72%
Revenue 1Y (TTM)5.8%
Revenue growth 3Y8.85%
Revenue growth 5Y5.55%
Sales Q2Q%6.92%
Revenue Next Year6.34%
Revenue Next 2Y5.79%
Revenue Next 3Y5.65%
Revenue Next 5Y3.99%
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 1Y129.02%
FCF growth 3Y7.05%
FCF growth 5Y10.14%
OCF growth 1Y121.17%
OCF growth 3Y7.21%
OCF growth 5Y9.65%