# Capital One Financial Corporation (COF) fundamentals

Data as of 2026-09-08. NYSE, United States. Sector: Financial Services / Consumer Finance. Price $219.60, market value $134.7 billion.

## Valuation
- **P/E (trailing): 12.1×** (5-yr avg 19.0×, 3-yr avg 28.4×). Capital One Financial Corporation trades at 12.1× trailing earnings, well below its own five-year average of 19.0×: cheap by its own standards. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 9.1×, lower than trailing, so analysts expect earnings to grow.
- **Price / sales: 5.9×**. Each dollar of revenue is priced at 5.9×.
- **Price / book: 1.3×**. The shares trade at 1.3× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 22.0%** (5-yr avg 28.6%). Free cash flow equals 22.0% of the market value, below its five-year average of 28.6%, so the shares are pricier on cash than usual. Above 5% is generally attractive.
- **Earnings yield: 8.3%**. The inverse of the P/E: 8.3% of the price is earned each year.

## Profitability
- **Net margin: 30.4%**. 30.4% of each dollar of sales reaches the bottom line.
- **Return on equity: 2.2%**. 2.2% on shareholders' equity is weak; the business earns little on the capital its owners have in it.
- **Return on assets: 1.6%**. Each dollar of assets produces 1.6% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 36.3%** (3-yr 14.2%/yr, 5-yr 16.6%/yr). Revenue grew 36.3% over the last year, against 16.6% a year compounded over five years: growth is accelerating.
- **EPS growth (1 yr): -65.2%** (3-yr -39.2%/yr, 5-yr -4.9%/yr). Earnings per share fell 65.2%, slower than revenue, so margins compressed.
- **Free-cash-flow growth (3 yr): 26.6%/yr**. Free cash flow has compounded at 26.6% a year over three years, keeping pace with earnings: the growth is real cash.

## Financial health
- **Piotroski F-score: 4/9**. 4 of 9 checks pass: mixed.

## Dividends
- **Dividend yield: 1.46%** ($3.00 per share, trailing). Capital One Financial Corporation yields 1.46%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 62%** (7% of free cash flow). 62% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 3**. 3 straight years of increases.
- **Dividend growth (5 yr): 21.1%/yr** (1-yr 8.3%). The dividend has compounded at 21.1% a year over five years, doubling roughly every 3 years at that pace.

## Analyst view
- **Analyst consensus: buy** (22 analysts). 22 analysts cover Capital One Financial Corporation; the consensus is buy, with an average price target of $258.27 (+18% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): -1.8%** (YTD -8.7%, 3-mo 21.5%). The shares are down 1.8% over twelve months including dividends.
- **From 52-week high: -15.4%** (26.0% above the low). Trading 15% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 56**. An RSI of 56 is neutral.
- **Beta (1 yr): 1.35** (volatility 32%). Beta of 1.35 against the S&P 500: the shares move much more than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=COF · Page: https://foliofundamentals.com/stocks/cof

Not investment advice.