Capital One (COF) Stock Analysis
NYQ · Financial Services · Credit Services
$197.79
-2.41 (-1.20%)
COF Interactive Price Chart & Trading Signals
COF Stock Snapshot — Valuation, Risk & Technical Signals
COF Key Fundamentals, Analyst Targets & Company Profile
Key Financial Ratios
Market Cap
$121.34B
P/E Ratio
10.89
Forward P/E
8.21
PEG Ratio
0.18
P/B Ratio
1.18
EPS
$18.16
Dividend Yield
1.60%
52W Range
$174.24 – $259.64
Beta
1.02
Volume
0.2M
ROE
9.0%
Profit Margin
21.9%
Revenue Growth
1111.0%
Gross Margin
—
EV/EBITDA
—
Analyst Target
$259.05
The trailing price-to-earnings ratio stands at 10.9x. Forward P/E of 8.2x implies earnings expansion expected. Price-to-book is 1.18x. Market capitalization is $121.34B. Revenue is growing at 1111.0% on a trailing basis. Profit margins are 21.9%. Return on equity is 9.0%. Beta of 1.02 indicates market-average volatility.
Analyst Consensus
Recommendation
Buy
Low Target
$225.00
Mean Target
$259.05
High Target
$300.00
Based on 21 analysts
About Capital One
Capital One Financial Corporation operates as the financial services holding company for the Capital One, National Association, which engages in the provision of various financial products and services in the United States, Canada, and the United Kingdom. It operates through three segments: Credit Card, Consumer Banking, and Commercial Banking. The company accepts checking accounts, money market deposits, negotiable order of withdrawals, savings deposits, time deposits, and sweep accounts. Its loan products include credit card and personal loans; auto and retail banking loans; and commercial and multifamily real estate, and commercial and industrial loans. The company offers credit and debit card products; bank lending; and provides advisory, capital markets, net interchange, treasury management, and depository services. It serves consumers, small businesses, and commercial clients through digital channels, branches, cafés, and other distribution channels located in New York, Louisiana, Texas, Maryland, Virginia, New Jersey, and the District of Columbia. Capital One Financial Corporation was founded in 1988 and is headquartered in McLean, Virginia.
COF Deep Dive Analysis
Bottom Line
Verdict
UndervaluedBest for
Value-oriented investorsWatch out for
None flaggedNon-zero inputs
4/5Counts non-zero values for price, P/E, beta, macro risk, and revenue growth; zero may mean unavailable or be a genuine zero.
Capital One Financial Corporation (COF) trades below our multi-model fair value estimate of $285.39 by approximately 44.3%. Trailing P/E: 10.9x. Profitability signals include profit margin of 21.9% and return on equity of 9.0%. Recent growth metrics show revenue growth of 1111.0%. Risk profile: beta of 1.02. Consensus: buy.
Valuation, Growth & Risk
Valuation
Undervalued
P/E 10.9x
Price sits below our estimate of fair value.
Growth
Expanding
Rev 1111.0%
Revenue is outpacing the market.
Valuation Snapshot
Capital One Financial Corporation (COF) trades below our multi-model fair value estimate of $285.39 by approximately 44.3%. The trailing price-to-earnings ratio stands at 10.9x. Forward P/E of 8.2x suggests earnings compression ahead. Price-to-sales is 2.5x. Price-to-book is 1.2x. Market capitalization is $121.34B.
Why it matters: Buying below fair value can create a margin of safety, but always check earnings quality.
Growth & Profitability
Revenue is growing at 1111.0% on a trailing basis. Profit margins are 21.9%. Return on equity is 9.0%. Return on assets is 1.5%.
Why it matters: Growing revenue with healthy margins usually means the business is gaining market share or pricing power.
Risk Profile
Beta of 1.02 indicates market-average volatility. Net debt position is $-7644999680.00.
Why it matters: Lower risk means steadier returns, but often with less upside in bull markets.
Analyst Context
Analyst consensus target of $259.05 implies 31.0% upside. Target range spans $225.00 to $300.00. 21 analysts cover the stock. Consensus recommendation: buy.
Why it matters: Analyst targets reflect what professionals expect over 12 months. A wide gap between price and target can mean the market disagrees with the consensus.
Investor Fit
The combination of undervaluation and moderate risk may suit value-oriented investors. Free cash flow yield of 21.5% is attractive for cash-flow-focused investors.
Takeaway: Match the stock's risk-reward profile with your own goals and time horizon. No single metric tells the whole story.
Data Methodology & Sources
Market Data (Facts)
- Price, volume, and market cap: Yahoo Finance (may be delayed)
- P/E, EPS, revenue, and debt: Yahoo Finance fundamentals
- Analyst estimates: Yahoo Finance (coverage and update times vary)
- Insider transactions: Yahoo Finance (reporting may be delayed)
QuantSoar Model (Derived)
- Fair value: available outputs from seven models; outliers are filtered using MAD (k=3.5), then combined with fixed model weights.
- Margin of Safety = (Fair Value − Displayed Price) / Displayed Price × 100
- Composite Score: 40% Value + 30% Momentum + 30% Risk
- Verdict Gauge: Base 50 + Valuation (up to ±25) + Whale sentiment (up to ±10) + Insider buying (+5) + Macro risk (up to ±10) + Technical signal (up to ±10). Analyst consensus is separate.
Model outputs are estimates based on available data and are not investment advice. Cross-check with primary sources before making investment decisions.
COF Undervalued
Capital One Financial Corporation (COF) trades below our multi-model fair value estimate of $285.39 by approximately 44.3%.
Frequently Asked Questions
ValuationIs COF stock overvalued right now?
ValuationWhat is COF fair value based on current fundamentals?
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About the Author
Phasakorn Traklang (Peach) — Founder
Phasakorn Traklang (Peach) is the founder of QuantSoar, bringing expertise in SEO, web development, and technical analytics to build an AI-powered investment platform accessible to retail investors worldwide.
Connect on LinkedInInvestment Disclaimer: Tax treatment can depend on tax residence, account type, and tax year. This information is general and is not personal tax or investment advice. SEC
Data: Yahoo Finance / SEC EDGAR / Alpha Vantage / Finnhub. AI outputs verified against source data.