Capital One Financial Corporation (COF)vsMedallion Financial Corp (MFIN)
COF
Capital One Financial Corporation
$185.23
+0.32%
FINANCIAL SERVICES · Cap: $112.86B
MFIN
Medallion Financial Corp
$8.47
-3.09%
FINANCIAL SERVICES · Cap: $195.12M
Smart Verdict
WallStSmart Research — data-driven comparison
Capital One Financial Corporation generates 9178% more annual revenue ($32.78B vs $353.31M). MFIN leads profitability with a 12.2% profit margin vs 7.5%. COF appears more attractively valued with a PEG of 0.19. MFIN earns a higher WallStSmart Score of 75/100 (B).
COF
Strong Buy75
out of 100
Grade: B+
MFIN
Strong Buy75
out of 100
Grade: B
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
+82.3%
Fair Value
$58.24
Current Price
$8.47
$49.77 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
Strong operational efficiency at 48.0%
Growing faster than its price suggests
18.6% revenue growth
Areas to Watch
ROE of 2.4% — below average capital efficiency
7.5% margin — thin
Premium valuation, high expectations priced in
Smaller company, higher risk/reward
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 : MFIN
The strongest argument for MFIN centers on P/E Ratio, Price/Book, Operating Margin. Revenue growth of 18.6% demonstrates continued momentum. PEG of 0.77 suggests the stock is reasonably priced for its growth.
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 : MFIN
The primary concerns for MFIN are Market Cap.
Key Dynamics to Monitor
COF profiles as a hypergrowth stock while MFIN is a growth play — different risk/reward profiles.
COF carries more volatility with a beta of 1.14 — 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 75/100) and 51.6% revenue growth. MFIN offers better value entry with a 82.3% margin of safety. Both earn "Strong Buy" and "Strong 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.
Medallion Financial Corp
FINANCIAL SERVICES · CREDIT SERVICES · USA
Medallion Financial Corp. The company is headquartered in New York City, New York.
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