Capital One Financial Corporation (COF) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Capital One Financial Corporation stock (COF) is currently trading at $179.67. Capital One Financial Corporation PE ratio is 54.59. Capital One Financial Corporation PS ratio (Price-to-Sales) is 3.48. Analyst consensus price target for COF is $275.48. WallStSmart rates COF as Buy.
Capital One Financial Corporation (COF) stock price prediction for 2030: Base case $193.48. Bull case $241.85. Bear case $145.11. See full COF 2030 price forecast and methodology on WallStSmart.
- COF PE ratio analysis and historical PE chart
- COF PS ratio (Price-to-Sales) history and trend
- COF intrinsic value — DCF, Graham Number, EPV models
- COF stock price prediction 2025 2026 2027 2028 2029 2030
- COF fair value vs current price
- COF insider transactions and insider buying
- Is COF undervalued or overvalued?
- Capital One Financial Corporation financial analysis — revenue, earnings, cash flow
- COF Piotroski F-Score and Altman Z-Score
- COF analyst price target and Smart Rating
Capital One Financial Corporation
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COF Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Capital One Financial Corporation (COF)
COF trades 51% above its Graham fair value of $142.20, indicating the stock may be overvalued at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Capital One Financial Corporation (COF) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in market cap, peg ratio, operating margin. Concerns around return on equity. Overall metrics suggest strong investment potential with favorable risk/reward.
Capital One Financial Corporation (COF) Key Strengths (7)
Growing significantly faster than its price suggests
Trading below book value, meaning the market prices it less than net assets
Revenue surging 51.60% year-over-year
88.55% of shares held by major funds and institutions
Large-cap company with substantial market presence
Strong operational efficiency: $23 kept per $100 revenue
Strong earnings growth at 22.20% per year
Supporting Valuation Data
Capital One Financial Corporation (COF) Areas to Watch (3)
Very low returns on shareholder equity
Thin profit margins with limited profitability
Revenue is fairly priced at 3.48x sales
Supporting Valuation Data
Capital One Financial Corporation (COF) Detailed Analysis Report
Overall Assessment
This company scores 75/100 in our Smart Analysis, earning a B+ grade. Out of 10 metrics analyzed, 7 register as strengths (avg 9.3/10) while 3 fall into concern territory (avg 3.7/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on PEG Ratio, Price/Book, Revenue Growth. Valuation metrics including PEG Ratio (0.19), Price/Book (0.99) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 22.90%. Growth metrics are encouraging with Revenue Growth at 51.60%, EPS Growth at 22.20%.
The Bear Case
The primary concerns are Return on Equity, Profit Margin, Price/Sales. Some valuation metrics including Price/Sales (3.48) suggest expensive pricing. Profitability pressure is visible in Return on Equity at 2.39%, Profit Margin at 7.48%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Return on Equity improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 2.39% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 51.60% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of PEG Ratio and Price/Book makes a compelling case at current levels. The key risk is Return on Equity, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B+ grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
WallStSmart Analysis Synopsis
Data-driven financial summary for Capital One Financial Corporation (COF) · FINANCIAL SERVICES › CREDIT SERVICES
The Big Picture
Capital One Financial Corporation is in a high-growth phase, prioritizing rapid expansion over margins. Revenue reached 32.8B with 52% growth year-over-year. Profit margins are thin at 7.5%, typical for companies in this phase that are reinvesting heavily in growth.
Key Findings
Revenue growing at 52% YoY, reaching 32.8B. This pace significantly outperforms most CREDIT SERVICES peers.
ROE of 239.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
What to Watch Next
Margin expansion: can Capital One Financial Corporation push profit margins above 15% as the business scales?
Growth sustainability: can Capital One Financial Corporation maintain 52%+ revenue growth, or will competition slow it down?
Valuation compression risk at a P/E of 54.6x. Any growth miss could trigger a sharp correction.
Sector dynamics: monitor CREDIT SERVICES industry trends, competitive moves, and regulatory changes that could impact Capital One Financial Corporation.
Bottom Line
Capital One Financial Corporation is a high-conviction growth story with revenue accelerating at 52% while profitability is still developing. For growth-oriented investors, the trajectory is compelling. For value investors, the thin 7.5% margins and premium valuation suggest patience until the unit economics mature further.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(137 last 3 months)
| Insider | Type | Shares |
|---|---|---|
MOUADEB, MARK DANIEL President, Card | Sell | -1,593 |
| Insider | Type | Shares |
|---|---|---|
DEAN, LIA Pres, Banking & Prem. Products | Sell | -3,284 |
| Insider | Type | Shares |
|---|---|---|
KARAM, CELIA Pres, Retail Bank | Sell | -2,108 |
| Insider | Type | Shares |
|---|---|---|
BLINDE, NEAL President, Commercial Banking | Sell | -3,936 |
| Insider | Type | Shares |
|---|---|---|
COOPER, MATTHEW W General Counsel & Corp Secy | Sell | -2,000 |
| Insider | Type | Shares |
|---|---|---|
RAGHU, RAVI Pres, Software, Intl & Sm Bus | Sell | -13,450 |
Data sourced from SEC Form 4 filings
Last updated: 6:56:45 PM
About Capital One Financial Corporation(COF)
NYSE
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.