Capital One Financial Corporation (COF)vsIntuit Inc (INTU)
COF
Capital One Financial Corporation
$189.48
-1.61%
FINANCIAL SERVICES · Cap: $122.14B
INTU
Intuit Inc
$396.31
-2.57%
TECHNOLOGY · Cap: $110.28B
Smart Verdict
WallStSmart Research — data-driven comparison
Capital One Financial Corporation generates 80% more annual revenue ($36.31B vs $20.12B). INTU leads profitability with a 21.6% profit margin vs 8.9%. COF appears more attractively valued with a PEG of 0.20. INTU earns a higher WallStSmart Score of 71/100 (B).
COF
Buy65
out of 100
Grade: C+
INTU
Strong Buy71
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for COF.
Margin of Safety
-0.5%
Fair Value
$404.62
Current Price
$396.31
$8.31 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Reasonable price relative to book value
Revenue surging 46.3% year-over-year
Large-cap with strong market position
Strong operational efficiency at 28.6%
Generating 5.5B in free cash flow
Large-cap with strong market position
Every $100 of equity generates 24 in profit
Keeps 22 of every $100 in revenue as profit
17.4% revenue growth
Earnings expanding 48.5% YoY
Generating 1.5B in free cash flow
Areas to Watch
ROE of 3.3% — below average capital efficiency
Premium valuation, high expectations priced in
Earnings declined 4.3%
Moderate valuation
Comparative Analysis Report
WallStSmart ResearchBull Case : COF
The strongest argument for COF centers on PEG Ratio, Price/Book, Revenue Growth. Revenue growth of 46.3% demonstrates continued momentum. PEG of 0.20 suggests the stock is reasonably priced for its growth.
Bull Case : INTU
The strongest argument for INTU centers on Market Cap, Return on Equity, Profit Margin. Profitability is solid with margins at 21.6% and operating margin at 18.4%. Revenue growth of 17.4% demonstrates continued momentum.
Bear Case : COF
The primary concerns for COF are Return on Equity, P/E Ratio, EPS Growth. A P/E of 59.3x leaves little room for execution misses.
Bear Case : INTU
The primary concerns for INTU are P/E Ratio.
Key Dynamics to Monitor
COF profiles as a hypergrowth stock while INTU is a growth play — different risk/reward profiles.
COF carries more volatility with a beta of 1.05 — expect wider price swings.
COF is growing revenue faster at 46.3% — sustainability is the question.
COF generates stronger free cash flow (5.5B), providing more financial flexibility.
Bottom Line
INTU scores higher overall (71/100 vs 65/100), backed by strong 21.6% margins and 17.4% revenue growth. Both earn "Strong Buy" and "Buy" 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.
Intuit Inc
TECHNOLOGY · SOFTWARE - APPLICATION · USA
Intuit Inc. is an American business that specializes in financial software. Intuit's products include the tax preparation application TurboTax, personal finance app Mint and the small business accounting program QuickBooks.
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