# Capital One Financial (COF) — Stock CV

Capital One Financial 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.

> 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.

## Identity

- **Ticker**: COF
- **Sector**: Financial Services
- **Industry**: National Commercial Banks
- **Headquarters**: MCLEAN, VA
- **Employees**: 78 400
- **Website**: https://www.capitalone.com
- **Market cap**: $122B
- **Last price**: $199.26
- **Financial profile**: Mixed

## Vitals (TTM)

- **Revenue**: $78.7B
- **Net income**: $10.5B
- **Free cash flow**: $29.7B
- **P/E**: 11.6
- **Revenue growth (YoY)**: 37.3%

## Skills (profile scores, 0–100)

| Pillar | Score |
|---|---|
| Valuation | 72 |
| Growth | 50 |
| Profitability | 57 |
| Health | 28 |
| Quality | 60 |
| Moat | 37 |

## Qualifications (beginner checklist) — 7 of 10 passed

- [x] Revenue growing — +37.3% YoY
- [x] Profitable — $10.5B TTM
- [ ] Profit growing — -37.7% YoY
- [x] Generates cash — $29.7B TTM
- [x] Established company — $122B market cap
- [ ] Not printing shares — +16.2% shares over ~5y
- [x] Proven track record — 10/10 profitable years
- [ ] Financially stable — Altman Z 0.2 — distress
- [x] Pays a dividend — yield 1.76%
- [x] Valuation not extreme — P/E 11.6

## Experience (career milestones)

- **FY2024** — Revenue crossed $50B: $53.9B for the year
- **2024** — Capital One agreed to acquire Discover Financial in an all-stock deal worth $35.3 billion, making…
- **FY2021** — Best year on record: $12.4B net income
- **2018** — Capital One acquired Wikibuy, a shopping comparison app and browser extension from an Austin,…
- **FY2016** — Profitable every year on record: 10 consecutive profitable years in our data
- **FY2016** — Revenue already above $10B: $27.5B in first reported year
- **FY2016** — Positive free cash flow every year since: 10-year streak
- **2015** — Capital One acquired General Electric's Healthcare Financial Services unit
- **2008** — Capital One debuted its blue and red "swoosh" logo, and began a $13 billion marketing campaign
- **2007** — The transaction was modified; Capital One instead acquired just a minority interest in NetSpend
- **2006** — Capital One acquired Melville, New York-based North Fork Bank and its subsidiary, GreenPoint Mortgage, for $13.2…
- **2005** — Capital One acquired New Orleans, Louisiana-based Hibernia National Bank for $4.9 billion in cash and…
- **2001** — PeopleFirst Finance was acquired by Capital One
- **1998** — Capital One acquired auto financing company Summit Acceptance Corporation
- **1994** — The new company was renamed Capital One

## 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

## Track record

| Year | Revenue | Net income | Free cash flow |
|---|---|---|---|
| FY2021 | $32.0B | $12.4B | $11.6B |
| FY2022 | $38.4B | $7.36B | $12.9B |
| FY2023 | $49.5B | $4.89B | $19.6B |
| FY2024 | $53.9B | $4.75B | $17.0B |
| FY2025 | $69.3B | $2.45B | $26.1B |

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Source: https://stockcv.com/COF — derived from company filings; may be delayed or incomplete. Information, not investment advice.