Capital One Financial Corporation (COF)vsSLM Corp Pb Pref (SLMBP)
COF
Capital One Financial Corporation
$208.30
+0.57%
FINANCIAL SERVICES · Cap: $127.79B
SLMBP
SLM Corp Pb Pref
$74.15
-0.80%
FINANCIAL SERVICES · Cap: $4.83B
Smart Verdict
WallStSmart Research — data-driven comparison
Capital One Financial Corporation generates 2754% more annual revenue ($48.11B vs $1.69B). SLMBP leads profitability with a 43.6% profit margin vs 21.9%. COF trades at a lower P/E of 11.5x. COF earns a higher WallStSmart Score of 75/100 (B).
COF
Strong Buy75
out of 100
Grade: B
SLMBP
Buy50
out of 100
Grade: C-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 33.6%
Revenue surging 1111.0% year-over-year
Large-cap with strong market position
Every $100 of equity generates 31 in profit
Keeps 44 of every $100 in revenue as profit
Strong operational efficiency at 29.2%
Areas to Watch
Weak financial health signals
Earnings declined 3.2%
Distress zone — elevated risk
Premium valuation, high expectations priced in
Earnings declined 9.4%
Negative free cash flow — burning cash
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : COF
The strongest argument for COF centers on PEG Ratio, P/E Ratio, Price/Book. Profitability is solid with margins at 21.9% and operating margin at 33.6%. Revenue growth of 1111.0% demonstrates continued momentum.
Bull Case : SLMBP
The strongest argument for SLMBP centers on Return on Equity, Profit Margin, Operating Margin. Profitability is solid with margins at 43.6% and operating margin at 29.2%.
Bear Case : COF
The primary concerns for COF are Piotroski F-Score, EPS Growth, Altman Z-Score.
Bear Case : SLMBP
The primary concerns for SLMBP are P/E Ratio, EPS Growth, Free Cash Flow. Debt-to-equity of 2.36 is elevated, increasing financial risk.
Key Dynamics to Monitor
COF profiles as a growth stock while SLMBP is a mature play — different risk/reward profiles.
COF carries more volatility with a beta of 1.02 — expect wider price swings.
COF is growing revenue faster at 1111.0% — sustainability is the question.
COF generates stronger free cash flow (7.9B), providing more financial flexibility.
Bottom Line
COF scores higher overall (75/100 vs 50/100), backed by strong 21.9% margins and 1111.0% 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.
SLM Corp Pb Pref
FINANCIAL SERVICES · CREDIT SERVICES · USA
SLM Corporation originates and provides private education loan services to students and their families to finance the cost of their education in the United States. The company is headquartered in Newark, Delaware.
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