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Capital One Financial Corporation, a Delaware corporation established in 1994 and headquartered in McLean, Virginia, is a diversified financial services holding company with banking and non-banking subsidiaries. Capital One Financial Corporation and its subsidiaries (the Company or Capital One ) operate as a global payments provider and diversified financial institution, delivering a br…
$207.73
$0.30 (-0.14%)
Live · 05:22 PM
Net margin is thin at 7.48%. This may reflect rising credit costs, rate compression, or operational inefficiency.
Revenue grew 19.6% YoY. However, net income declined 48%, rising credit provisions or expenses may be eating into the top line.
At 53x earnings, the multiple is above the banking sector average. Financials rarely sustain elevated multiples through credit cycles. Net income declined 48% YoY, profitability momentum has weakened.
53.0x earnings. Above the financial-sector median (~13x). The market is pricing in above-average returns or growth, any credit deterioration would compress the multiple quickly.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
$36.31B
▲ +19.6% YoY
Net Income (TTM)
$3.22B
▼ -48.4% YoY
Net Margin
8.88%
P/E
53.0x
Balance Sheet
Total Assets
$682.90B
Equity
$112.26B
Total Debt
$51.89B
Cash & Equiv.
$79.26B
5Y CAGR: +12.4%
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At a P/E of 53.0 and a price-to-free-cash-flow of 4.7, Capital One Financial (COF) trades below a two-stage DCF intrinsic value of about $2,081.96 per share, so at $207.73 the stock looks undervalued (902.2% below estimated intrinsic value). A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.
On quality, Capital One Financial scores 57/100 on Intrinsiqq's quality scorecard (a mixed business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. It currently yields about 1.4%; see dividend safety for coverage and history. All figures are computed from SEC filings; read the full methodology. This is analysis, not investment advice.
Intrinsiqq's two-stage DCF estimates an intrinsic value of about $2,081.96 per share for COF, projecting its recent free cash flow forward with a growth rate that fades toward a long-run rate and discounting it back to today. Applying a 25% margin of safety gives a more conservative fair-value entry around $1,561.47. At today's $207.73, that puts the stock about 902.2% below estimated intrinsic value. The result is sensitive to the growth and discount-rate inputs, so it is best to run conservative, base and optimistic cases. You can adjust all of them yourself with the sliders on the DCF tab.
Capital One Financial scores 57 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a mixed business on these measures. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
Yes, Capital One Financial pays a regular dividend of about $2.86 per share per year (typically in quarterly installments), a yield of roughly 1.4% at the current price. That is a payout ratio of about 55.4% of earnings, so the dividend is well covered. Capital One Financial has grown the dividend at roughly 7.2% a year over the past few years. A low headline yield is not the same as a weak dividend: what matters is how well earnings and free cash flow cover the payout and whether it is growing, not the percentage alone. For COF's full payout history, growth streak and dividend-safety score, see the dividends tab.
That depends on valuation and quality together, not either alone. COF currently trades below its estimated intrinsic value and scores 57/100 on quality (mixed). It also yields about 1.4%. A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.