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Capital One Financial Corporation COF-PL

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14.83 USD +0.54 (+3.74%)

Nov 4, 2026, 2:59 PM EST

14.36 Day range 14.87
14.09 52-week range 17.57
YTD
-11.44%
1 year
-13.86%

Financial health

Altman Z-Score

0.46 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

9 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A+5 / 5 overall

  • DCF 5
  • Return on Equity 3
  • Return on Assets 4
  • Debt / Equity 3
  • P/E 5
  • P/B 5

Valuation

P/E 60.1×
FY 2016: 12.5×FY 2017: 28.3×FY 2018: 6.4×FY 2019: 9.3×FY 2020: 19.0×FY 2021: 5.4×FY 2022: 5.2×FY 2023: 10.9×FY 2024: 15.4×FY 2025: 60.1×
FY 2016 5y median 10.9× FY 2025
P/S 1.9×
FY 2016: 1.6×FY 2017: 1.6×FY 2018: 1.1×FY 2019: 1.4×FY 2020: 1.4×FY 2021: 2.0×FY 2022: 1.0×FY 2023: 1.0×FY 2024: 1.3×FY 2025: 1.9×
FY 2016 5y median 1.3× FY 2025
P/B 1.2×
FY 2016: 0.9×FY 2017: 1.0×FY 2018: 0.7×FY 2019: 0.8×FY 2020: 0.8×FY 2021: 1.1×FY 2022: 0.7×FY 2023: 0.9×FY 2024: 1.1×FY 2025: 1.2×
FY 2016 5y median 1.1× FY 2025
P/FCF 5.0×
FY 2016: 4.0×FY 2017: 3.7×FY 2018: 3.0×FY 2019: 3.1×FY 2020: 2.8×FY 2021: 5.5×FY 2022: 2.8×FY 2023: 2.6×FY 2024: 4.0×FY 2025: 5.0×
FY 2016 5y median 4.0× FY 2025
EV/EBITDA 16.5×
FY 2016: 12.0×FY 2017: 11.9×FY 2018: 8.4×FY 2019: 8.9×FY 2020: 6.8×FY 2021: 4.4×FY 2022: 4.4×FY 2023: 6.1×FY 2024: 7.7×FY 2025: 16.5×
FY 2016 5y median 6.1× FY 2025
EV/Sales 1.8×
FY 2016: 3.4×FY 2017: 3.1×FY 2018: 2.6×FY 2019: 2.7×FY 2020: 1.4×FY 2021: 2.7×FY 2022: 1.4×FY 2023: 1.1×FY 2024: 1.3×FY 2025: 1.8×
FY 2016 5y median 1.4× FY 2025
FCF Yield 19.9%
FY 2016: 25.1%FY 2017: 27.3%FY 2018: 33.4%FY 2019: 32.7%FY 2020: 35.3%FY 2021: 18.1%FY 2022: 35.2%FY 2023: 39.1%FY 2024: 24.8%FY 2025: 19.9%
FY 2016 5y median 24.8% FY 2025

Profitability

Gross Margin 47.3%
FY 2016: 69.2%FY 2017: 65.6%FY 2018: 68.1%FY 2019: 66.2%FY 2020: 57.7%FY 2021: 101.1%FY 2022: 74.0%FY 2023: 53.3%FY 2024: 50.8%FY 2025: 47.3%
FY 2016 5y median 53.3% FY 2025
Operating Margin 3.3%
FY 2016: 19.9%FY 2017: 18.3%FY 2018: 23.0%FY 2019: 20.4%FY 2020: 10.1%FY 2021: 49.4%FY 2022: 24.1%FY 2023: 12.2%FY 2024: 11.0%FY 2025: 3.3%
FY 2016 5y median 12.2% FY 2025
Net Margin 3.5%
FY 2016: 13.6%FY 2017: 6.6%FY 2018: 18.9%FY 2019: 16.4%FY 2020: 8.6%FY 2021: 38.7%FY 2022: 19.2%FY 2023: 9.9%FY 2024: 8.8%FY 2025: 3.5%
FY 2016 5y median 9.9% FY 2025
ROE 2.2%
FY 2016: 7.9%FY 2017: 4.1%FY 2018: 11.6%FY 2019: 9.6%FY 2020: 4.5%FY 2021: 20.3%FY 2022: 14.0%FY 2023: 8.4%FY 2024: 7.8%FY 2025: 2.2%
FY 2016 5y median 8.4% FY 2025
ROIC 1.1%
FY 2016: 3.1%FY 2017: 1.7%FY 2018: 4.9%FY 2019: 4.3%FY 2020: 2.3%FY 2021: 10.2%FY 2022: 6.0%FY 2023: 3.8%FY 2024: 3.7%FY 2025: 1.1%
FY 2016 5y median 3.8% FY 2025
ROA 0.4%
FY 2016: 1.1%FY 2017: 0.5%FY 2018: 1.6%FY 2019: 1.4%FY 2020: 0.6%FY 2021: 2.9%FY 2022: 1.6%FY 2023: 1.0%FY 2024: 1.0%FY 2025: 0.4%
FY 2016 5y median 1.0% FY 2025

Growth (YoY)

Revenue 28.4%
FY 2016: 9.9%FY 2017: 9.0%FY 2018: 6.3%FY 2019: 5.9%FY 2020: -6.3%FY 2021: 1.2%FY 2022: 19.8%FY 2023: 29.0%FY 2024: 9.0%FY 2025: 28.4%
FY 2016 FY 2025
Operating Income -61.4%
FY 2016: -6.8%FY 2017: 0.1%FY 2018: 33.2%FY 2019: -6.1%FY 2020: -53.4%FY 2021: 393.6%FY 2022: -41.6%FY 2023: -34.6%FY 2024: -2.2%FY 2025: -61.4%
FY 2016 FY 2025
EPS (diluted) -65.2%
FY 2016: -2.5%FY 2017: -49.3%FY 2018: 256.7%FY 2019: -11.2%FY 2020: -53.1%FY 2021: 420.1%FY 2022: -33.5%FY 2023: -33.3%FY 2024: -3.0%FY 2025: -65.2%
FY 2016 FY 2025
Free Cash Flow 54.2%
FY 2016: 15.4%FY 2017: 18.8%FY 2018: -8.1%FY 2019: 30.1%FY 2020: 1.5%FY 2021: -27.4%FY 2022: 10.9%FY 2023: 52.3%FY 2024: -13.6%FY 2025: 54.2%
FY 2016 FY 2025

Financial Health

Current Ratio 0.1×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.3×FY 2020: 0.5×FY 2021: 0.4×FY 2022: 0.3×FY 2023: 0.4×FY 2024: 0.1×FY 2025: 0.1×
FY 2016 5y median 0.3× FY 2025
Quick Ratio 0.1×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.3×FY 2020: 0.5×FY 2021: 0.4×FY 2022: 0.3×FY 2023: 0.4×FY 2024: 0.1×FY 2025: 0.1×
FY 2016 5y median 0.3× FY 2025
Debt / Equity 0.4×
FY 2016: 1.3×FY 2017: 1.2×FY 2018: 1.1×FY 2019: 1.0×FY 2020: 0.7×FY 2021: 0.7×FY 2022: 0.9×FY 2023: 0.9×FY 2024: 0.7×FY 2025: 0.4×
FY 2016 5y median 0.7× FY 2025
Net Debt / EBITDA -0.9×
FY 2016: 6.4×FY 2017: 5.8×FY 2018: 4.7×FY 2019: 4.1×FY 2020: 0.0×FY 2021: 1.1×FY 2022: 1.4×FY 2023: 0.7×FY 2024: 0.3×FY 2025: -0.9×
FY 2016 5y median 0.7× FY 2025
Interest Coverage 0.1×
FY 2016: 2.7×FY 2017: 2.0×FY 2018: 1.7×FY 2019: 1.3×FY 2020: 1.0×FY 2021: 9.9×FY 2022: 2.2×FY 2023: 0.5×FY 2024: 0.4×FY 2025: 0.1×
FY 2016 5y median 0.5× FY 2025

Dividends

Dividend Yield 1.3%
FY 2016: 2.3%FY 2017: 2.2%FY 2018: 2.9%FY 2019: 2.2%FY 2020: 1.6%FY 2021: 2.2%FY 2022: 3.2%FY 2023: 2.3%FY 2024: 1.7%FY 2025: 1.3%
FY 2016 5y median 2.2% FY 2025
Payout Ratio 72.1%
FY 2016: 27.4%FY 2017: 52.7%FY 2018: 17.3%FY 2019: 18.7%FY 2020: 27.3%FY 2021: 11.5%FY 2022: 16.0%FY 2023: 23.7%FY 2024: 24.4%FY 2025: 72.1%
FY 2016 5y median 23.7% FY 2025

Annual · latest fiscal year ends 2025-12-31