Capital One Financial Corporation (COF)vsOtter Tail Corporation (OTTR)
COF
Capital One Financial Corporation
$189.48
-1.61%
FINANCIAL SERVICES · Cap: $122.14B
OTTR
Otter Tail Corporation
$88.03
+0.22%
INDUSTRIALS · Cap: $3.69B
Smart Verdict
WallStSmart Research — data-driven comparison
Capital One Financial Corporation generates 2664% more annual revenue ($36.31B vs $1.31B). OTTR leads profitability with a 21.3% profit margin vs 8.9%. COF appears more attractively valued with a PEG of 0.20. OTTR earns a higher WallStSmart Score of 67/100 (B-).
COF
Buy65
out of 100
Grade: C+
OTTR
Strong Buy67
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for COF.
Margin of Safety
-60.8%
Fair Value
$53.45
Current Price
$88.03
$34.58 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
Keeps 21 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 24.7%
Areas to Watch
ROE of 3.3% — below average capital efficiency
Premium valuation, high expectations priced in
Earnings declined 4.3%
Expensive relative to growth rate
2.9% revenue growth
Distress zone — elevated risk
Weak financial health signals
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 : OTTR
The strongest argument for OTTR centers on Profit Margin, P/E Ratio, Price/Book. Profitability is solid with margins at 21.3% and operating margin at 24.7%.
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 : OTTR
The primary concerns for OTTR are PEG Ratio, Revenue Growth, Altman Z-Score.
Key Dynamics to Monitor
COF profiles as a hypergrowth stock while OTTR is a value 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
OTTR scores higher overall (67/100 vs 65/100), backed by strong 21.3% margins. 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.
Otter Tail Corporation
INDUSTRIALS · CONGLOMERATES · USA
Otter Tail Corporation is engaged in electrical service, manufacturing and plastic piping businesses in the United States. The company is headquartered in Fergus Falls, Minnesota.
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