Capital One Financial is a diversified financial-services holding company headquartered in McLean, Virginia. Originally a spinoff of Signet Financial's credit card division in 1994, the company is now primarily involved in credit card lending, auto loans, and commercial lending.
It is a $122B financial services company. Revenue grew 37.3% over the last year, and it keeps 13¢ of every dollar of sales as profit. It trades at 11.6× earnings — around the middle of its own history.
- Website
- capitalone.com
- Location
- Mclean, VA
- Employees
- 78 400
- Sector
- Financial Services
Skills
Six independent scores, 0–100, built from reported numbers and valuation history. Click a row to see how it was scored.
Health and Moat lag behind.
Valuation72
- P/E vs own history59th pct · 12/25
- FCF yield24.3% · 25/25
- P/S1.1x · 25/25
- EV/EBITDAn/a · 10/25
Growth50
- Revenue CAGR21.3% · 25/25
- Net income CAGR-33.3% · 0/25
- EPS CAGR ~5Y-4.9% · 0/25
- Fwd implied growth33.7% · 25/25
Profitability57
- ROIC2.2% · 5/25
- ROE9.3% · 12/25
- Net margin13.4% · 20/25
- Operating margin18.3% · 20/25
Health28
- Altman Z0.18 · 3/25
- Current ration/a · 0/25
- Interest coverageno interest expense · 25/25
- Net cash / debtn/a · 0/25
Quality60
- Piotroski F5/9 · 15/25
- Beneish M-2.22 · 20/25
- FCF conversion287% · 25/25
- Margin stabilityσ 39.0% · 0/25
Moat37
- ROIC >12% years2/10 yrs · 0/25
- Median gross marginn/a · 0/25
- FCF-positive years10/10 yrs · 25/25
- Worst-year net marginworst 3.5% · 12/25
Experience
The company's career so far — founding, the IPO, landmark products and acquisitions, plus revenue milestones and insider buying.
- FY2024FinancialRevenue crossed $50B$53.9B for the year
- 2024AcquisitionCapital One agreed to acquire Discover Financial in an all-stock deal worth $35.3 billion, making…
- FY2021FinancialBest year on record$12.4B net income
- 2018AcquisitionCapital One acquired Wikibuy, a shopping comparison app and browser extension from an Austin,…
- FY2016FinancialProfitable every year on record10 consecutive profitable years in our data
- FY2016FinancialRevenue already above $10B$27.5B in first reported year
- FY2016FinancialPositive free cash flow every year since10-year streak
- 2015AcquisitionCapital One acquired General Electric's Healthcare Financial Services unit
- 2008ProductCapital One debuted its blue and red "swoosh" logo, and began a $13 billion marketing campaign
- 2007AcquisitionThe transaction was modified; Capital One instead acquired just a minority interest in NetSpend
- 2006AcquisitionCapital One acquired Melville, New York-based North Fork Bank and its subsidiary, GreenPoint Mortgage, for $13.2…
- 2005AcquisitionCapital One acquired New Orleans, Louisiana-based Hibernia National Bank for $4.9 billion in cash and…
- 2001AcquisitionPeopleFirst Finance was acquired by Capital One
- 1998AcquisitionCapital One acquired auto financing company Summit Acceptance Corporation
- 1994IPOThe new company was renamed Capital One
Achievements
Verifiable track record, straight from the reported numbers.
Strengths & watch-outs
What a bull and a bear would each point to. Both lists come from the reported numbers, not opinions.
Strengths
- Revenue growing 37.3% year over year
- Strong cash conversion — FCF is 37.7% of revenue
Watch-outs
- Altman Z-Score 0.18 — elevated financial-distress risk
Qualifications
The basics a company should meet before you research it further. Each check uses the reported numbers.
- Revenue growing — the company sells more than a year ago+37.3% YoY
- Profitable — makes more than it spends$10.5B TTM
- Profit growing — earnings are higher than last year-37.7% YoY
- Generates cash — cash left after running and investing$29.7B TTM
- Debt under control — could handle its obligationsno data
- Established company — not a micro-cap — lower blow-up risk$122B market cap
- Not printing shares — share count not ballooning — you keep your slice+16.2% shares over ~5y
- Proven track record — years of profitability behind it10/10 profitable years
- Financially stable — balance sheet not near distressAltman Z 0.2 — distress
- Pays a dividend — returns cash to shareholdersyield 1.76%
- Valuation not extreme — price not wildly above earningsP/E 11.6
Peer comparisonCapital One Financial vs 6 largest financial services peers — cap, P/E, growth and margin side by sideOpen ▾Close ▴
| Company | Market cap | P/E | Revenue growth | Net margin | Profile |
|---|---|---|---|---|---|
| COF this company | $122.2B | 11.6 | +37.3% | 13.4% | Mixed |
| BRK.A Berkshire Hathaway Inc. | $1.1T | 11.6 | +3.9% | 22.3% | Mixed |
| BRK.B Berkshire Hathaway | $1.1T | 11.6 | +0.0% | 18.0% | Strong |
| JPM JPMorgan Chase & Co. | $886.2B | 13.6 | +13.5% | 32.6% | Strained |
| V VISA Inc. | $723.9B | 31.9 | +14.4% | 50.8% | Solid |
| MA Mastercard Incorporated | $516.4B | 31.7 | +16.0% | 46.3% | Mixed |
| BAC Bank of America Corporation | $380.4B | 11.3 | +15.9% | 27.8% | Mixed |
Head-to-head: COF vs BRK.A · COF vs BRK.B · COF vs JPM
References
What covering analysts publish about the company — information only, not a recommendation.
Appendix · Financial records
The full statements behind this CV, FY2016–FY2025. For readers who want to check the numbers.
Live data and quarterly detail: stockcv.com/COF
Want the live picture — intraday moves, valuation history and full analysis?
Deeper analysis of COF on PreMarketPriceFigures are derived from company filings (quarterly values normalised from as-filed year-to-date data where applicable) and may be delayed, restated or incomplete. This page is information, not investment advice. Latest price $199.26 · market cap $122B.