Capital One Financial Corporation (COF)vsFinance of America Companies Inc (FOA)
COF
Capital One Financial Corporation
$185.23
+0.32%
FINANCIAL SERVICES · Cap: $112.86B
FOA
Finance of America Companies Inc
$16.93
-1.74%
FINANCIAL SERVICES · Cap: $173.33M
Smart Verdict
WallStSmart Research — data-driven comparison
Capital One Financial Corporation generates 6490% more annual revenue ($32.78B vs $497.43M). FOA leads profitability with a 9.1% profit margin vs 7.5%. FOA trades at a lower P/E of 4.3x. COF earns a higher WallStSmart Score of 75/100 (B+).
COF
Strong Buy75
out of 100
Grade: B+
FOA
Hold49
out of 100
Grade: D+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-50.8%
Fair Value
$142.20
Current Price
$185.23
$43.03 premium
Margin of Safety
+19.8%
Fair Value
$26.79
Current Price
$16.93
$9.86 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Reasonable price relative to book value
Revenue surging 51.6% year-over-year
Large-cap with strong market position
Strong operational efficiency at 22.9%
Earnings expanding 22.2% YoY
Attractively priced relative to earnings
Reasonable price relative to book value
Every $100 of equity generates 31 in profit
Areas to Watch
ROE of 2.4% — below average capital efficiency
7.5% margin — thin
Premium valuation, high expectations priced in
0.0% earnings growth
Smaller company, higher risk/reward
Weak financial health signals
Revenue declined 72.1%
Comparative Analysis Report
WallStSmart ResearchBull Case : COF
The strongest argument for COF centers on PEG Ratio, Price/Book, Revenue Growth. Revenue growth of 51.6% demonstrates continued momentum. PEG of 0.19 suggests the stock is reasonably priced for its growth.
Bull Case : FOA
The strongest argument for FOA centers on P/E Ratio, Price/Book, Return on Equity.
Bear Case : COF
The primary concerns for COF are Return on Equity, Profit Margin, P/E Ratio. A P/E of 54.0x leaves little room for execution misses.
Bear Case : FOA
The primary concerns for FOA are EPS Growth, Market Cap, Piotroski F-Score. Debt-to-equity of 106.49 is elevated, increasing financial risk.
Key Dynamics to Monitor
COF profiles as a hypergrowth stock while FOA is a value play — different risk/reward profiles.
FOA carries more volatility with a beta of 1.69 — expect wider price swings.
COF is growing revenue faster at 51.6% — sustainability is the question.
COF generates stronger free cash flow (6.7B), providing more financial flexibility.
Bottom Line
COF scores higher overall (75/100 vs 49/100) and 51.6% revenue growth. FOA offers better value entry with a 19.8% margin of safety. Both earn "Strong Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Capital One Financial Corporation
FINANCIAL SERVICES · CREDIT SERVICES · USA
Capital One Financial Corporation is an American bank holding company specializing in credit cards, auto loans, banking, and savings accounts, headquartered in McLean, Virginia with operations primarily in the United States.
Finance of America Companies Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
Finance of America Companies Inc. operates a consumer loan platform in the United States. The company is headquartered in Irving, Texas.
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