Capital One Financial (COF) — Analysis Summary
Capital One Financial (COF) has a market cap of $132.92B with year-over-year revenue growth of +37.4%. Net margin stands at 5.7%. The stock trades at a P/E ratio of 41.2.
Key Takeaways
- Revenue changed +37.4% year-over-year
- Net margin of 5.7%
- P/E ratio of 41.2
Compared to other companies in the NATIONAL COMMERCIAL BANKS sector, COF posted revenue growth of +37.4% and trades at a P/E of 41.2.
Capital One Financial (COF)
UPDATED — ET · MARKET DATA POLYGON · FINANCIALS SEC EDGAR
Red Flags & WarningsHigh Risk Signals
Multiple material red flags are active and deserve closer underwriting before relying on any valuation output.
Interest coverage at 0.2x — earnings do not cover interest payments
Debt/EBITDA at 5.9x — elevated leverage
Operating margin (6.1%) exceeds gross margin (0.0%) — check for other operating income or data classification issues
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. Following the acquisition of Discover in 2025, the firm also has a modest personal loan business, though credit card lending provides the majority of the bank's revenue.
Sector
NATIONAL COMMERCIAL BANKS
Employees
78,400
Headquarters
MCLEAN, VA
Exchange
XNYS
Systematic competitive advantage assessment based on 4yr data
This assessment is based on quantitative analysis of historical financial data and does not constitute investment advice. Moat ratings may change with industry and competitive dynamics.
First version surfaces recent SEC Forms 3, 4, and 5 activity. It does not yet parse individual buy/sell transactions.
Capital Structure
Cash Flow
Annual Dividend/Share
$3.20
Dividend Yield
1.48%
Dividend History
Disclaimer: This is not financial advice. Data sourced from SEC EDGAR and Polygon.io. Past performance does not guarantee future results. Always conduct your own research before making investment decisions.