Capital One Financial Corporation (COF)vsAT&T Inc. (T)
COF
Capital One Financial Corporation
$189.48
-1.61%
FINANCIAL SERVICES · Cap: $122.14B
T
AT&T Inc.
$25.16
-0.40%
COMMUNICATION SERVICES · Cap: $175.52B
Smart Verdict
WallStSmart Research — data-driven comparison
AT&T Inc. generates 248% more annual revenue ($126.53B vs $36.31B). T leads profitability with a 16.9% profit margin vs 8.9%. COF appears more attractively valued with a PEG of 0.20. COF earns a higher WallStSmart Score of 65/100 (C+).
COF
Buy65
out of 100
Grade: C+
T
Buy64
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for COF.
Margin of Safety
+21.5%
Fair Value
$32.17
Current Price
$25.16
$7.01 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 46.3% year-over-year
Large-cap with strong market position
Strong operational efficiency at 28.6%
Generating 5.5B in free cash flow
Attractively priced relative to earnings
Large-cap with strong market position
Reasonable price relative to book value
Strong operational efficiency at 22.7%
Generating 2.7B 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%
Expensive relative to growth rate
2.9% revenue growth
Earnings declined 11.3%
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 : T
The strongest argument for T centers on P/E Ratio, Market Cap, Price/Book. Profitability is solid with margins at 16.9% and operating margin at 22.7%.
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 : T
The primary concerns for T are PEG Ratio, Revenue Growth, EPS Growth.
Key Dynamics to Monitor
COF profiles as a hypergrowth stock while T 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
COF scores higher overall (65/100 vs 64/100) and 46.3% revenue growth. T offers better value entry with a 21.5% margin of safety. Both earn "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.
AT&T Inc.
COMMUNICATION SERVICES · TELECOM SERVICES · USA
AT&T Inc. is an American multinational conglomerate holding company, Delaware-registered but headquartered at Whitacre Tower in Downtown Dallas, Texas. It is the world largest telecommunications company, and the second largest provider of mobile telephone services.
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