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CompareEarnings: May 31, 2026

Capital One Financial Corp

Exchange: NYSESector: Financial ServicesIndustry: Credit Services

Capital One Financial Corporation is a diversified financial services holding company with banking and non-banking subsidiaries. Capital One Financial Corporation and its subsidiaries offer an array of financial products and services to consumers, small businesses and commercial clients through branches, the Internet and other distribution channels. As of December 31, 2012, the Company's principal subsidiaries included Capital One Bank (USA), National Association (COBN), which offers credit and debit card products, other lending products and deposit products, and Capital One, National Association (CONA), which offers a spectrum of banking products and financial services to consumers, small businesses and commercial clients. On February 17, 2012, the Company acquired ING Direct business in the United States (ING Direct) from ING Groep N.V., ING Bank N.V., ING Direct N.V. and ING Direct Bancorp. In November 2013, Capital One Financial Corp acquired Beech Street Capital LLC.

Did you know?

A large-cap company with a $115.7B market cap.

Current Price

$181.92

-1.40%

GoodMoat Value

$635.15

249.1% undervalued
Profile
Valuation (TTM)
Market Cap$115.65B
P/E54.17
EV$110.54B
P/B1.02
Shares Out635.73M
P/Sales3.53
Revenue$32.78B
EV/EBITDA13.81

Capital One Financial Corp (COF) Company Profile

GoodMoat Analysis

Based on data as of March 26, 2026

Capital One is a major consumer bank and credit card issuer that has grown into a tech-centric financial services company. A value investor would note its strong free cash flow yield of 22.2% and high revenue growth, but must weigh this against a very high P/E ratio of 55x and a low ROE of 2.2%, which are significant red flags per the framework.

Read full analysis
Capital One Financial Corp operates as a diversified financial services company, primarily known as a major issuer of credit cards, but also offering auto loans, consumer banking, and commercial lending. Its customers are millions of consumers and small businesses in the United States. Using the GoodMoat framework, its primary competitive advantages (moat) appear to be its **Proprietary Data** (massive datasets on consumer spending used for underwriting and marketing) and **Brand & Culture** (strong national recognition as a tech-forward bank). However, it scores lower on other moat criteria like high **Switching Costs** (credit cards are relatively easy to switch) and **Regulatory Barriers** (it operates in a highly regulated but competitive industry). Key risks (Red Flags) are evident in the data. The **Extreme Valuation** of a P/E of 55x is a High Confidence red flag, as it is far above typical value stock ranges and suggests expectations for perfect future execution. The low **Return on Equity (ROE) of 2.2%** is a critical quality concern, falling far below the framework's high-quality threshold of 15-20%. While the 51.6% revenue growth and 22.2% free cash flow yield are attractive, the combination of high valuation and low current profitability makes the overall picture one that requires deep caution. A value investor might be interested in the cash generation but would likely be deterred by the price paid for that cash flow given the profitability metrics. Analysis based on data as of 2024-05-15.

COF Company Information

Capital One Financial Corporation is a diversified financial services holding company with banking and non-banking subsidiaries. Capital One Financial Corporation and its subsidiaries offer an array of financial products and services to consumers, small businesses and commercial clients through branches, the Internet and other distribution channels.

As of December 31, 2012, the Company's principal subsidiaries included Capital One Bank (USA), National Association (COBN), which offers credit and debit card products, other lending products and deposit products, and Capital One, National Association (CONA), which offers a spectrum of banking products and financial services to consumers, small businesses and commercial clients.

On February 17, 2012, the Company acquired ING Direct business in the United States (ING Direct) from ING Groep N.V., ING Bank N.V., ING Direct N.V. and ING Direct Bancorp. In November 2013, Capital One Financial Corp acquired Beech Street Capital LLC.

Sector

Financial Services

Industry

Credit Services

Exchange

NYSE

Country

Virginia, USA

COF Key Officers

Key officers data coming soon

COF Company Profile

Capital One Financial Corp (COF) is a Financial Services company in the Credit Services industry, listed on NYSE. Headquartered in Virginia, USA.

Capital One Financial Corporation is a diversified financial services holding company with banking and non-banking subsidiaries. Capital One Financial Corporation and its subsidiaries offer an array of financial products and services to consumers, small businesses and commercial clients through branches, the Internet and other distribution channels. As of December 31, 2012, the Company's principal subsidiaries included Capital One Bank (USA), National Association (COBN), which offers credit and debit card products, other lending products and deposit products, and Capital One, National Association (CONA), which offers a spectrum of banking products and financial services to consumers, small businesses and commercial clients. On February 17, 2012, the Company acquired ING Direct business in the United States (ING Direct) from ING Groep N.V., ING Bank N.V., ING Direct N.V. and ING Direct Bancorp. In November 2013, Capital One Financial Corp acquired Beech Street Capital LLC.

Market capitalization: $115.65B. Shares outstanding: 635.7M. Dividend yield: 1.53%.

View the complete company profile for Capital One Financial Corp on GoodMoat, including key officers, financial metrics, sector classification, and investment analysis tools. Use the profile alongside GoodMoat's DCF calculator, fair value models, and quality score to evaluate whether COF is a sound investment opportunity.