Capital One Financial Corporati (COF) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Capital One Financial Corporati

NYSE•Financial Services•Credit Services

$202.43+0.39(<0.01%)After hours

Market Cap

$125.61B

P/E

11.9x

P/S

1.6x

P/B

1.1x

Capital One Financial Corporation operates as the financial services holding company for the Capital One, National Association, which engages in the provision of various financial products and services in the United States, Canada, and the United Kingdom. It operates through three segments: Credit Card, Consumer Banking, and Commercial Banking. The company accepts checking accounts, money market deposits, negotiable order of withdrawals, savings deposits, time deposits, and sweep accounts. Its loan products include credit card and personal loans; auto and retail banking loans; and commercial and multifamily real estate, and commercial and industrial loans. The company offers credit and debit card products; bank lending; and provides advisory, capital markets, net interchange, treasury management, and depository services. It serves consumers, small businesses, and commercial clients through digital channels, branches, cafés, and other distribution channels located in New York, Louisiana, Texas, Maryland, Virginia, New Jersey, and the District of Columbia. Capital One Financial Corporation was founded in 1988 and is headquartered in McLean, Virginia.

How this company scores

ExcellentMetricSide Score: 89/100

Strongest: Cash & Earnings Quality (25/25); weakest: Balance Sheet & Red Flags (21/25).

Profitability21/25

Growth22/25

Balance Sheet & Red Flags21/25

Cash & Earnings Quality25/25

Strengths

Growing revenueRising free cash flowStrong marginsRising earnings

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 11.9x5y range 4.1x – 101.0x

Currently near its 19-quarter median.

P/S · 1.6x5y range 0.8x – 2.3x

Currently above its 20-quarter median.

P/B · 1.1x5y range 0.7x – 1.3x

Currently near its 20-quarter median.

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Margin Pressure

Red Flag

The company posted negative operating margins in recent quarters — core operations are unprofitable.

Share Dilution

Red Flag

Shares outstanding increased 62.0% — significant dilution, likely from stock compensation or capital raises.

Price & Volume

Market Cap $125.61B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $78.70B
Q. Revenue: $19.86B
TTM EBITDA: $13.00B
TTM Op. Income: $13.00B
Q. Op. Income: $3.82B
TTM Net Income: $10.52B
Q. Net Income: $3.02B
EPS: $4.73
Shares Out.: $620.50M

$78.70B in TTM revenue grew 37.3% YoY, reaching $19.86B last quarter. TTM EBITDA of $13.00B and TTM operating income of $13.00B show growth is flowing through to the bottom line. TTM net income of $10.52B means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin: 19.2%
Op. Margin: 19.2%
Net Margin: 15.2%

Op. margin of 19.2% is up 55.5% YoY — cost efficiency is improving. Net margin at 15.2% Across the last 8 quarters, operating margin has risen for 2 consecutive quarters — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 11.9x
P/S Ratio: 1.6x
P/B Ratio: 1.1x

At 11.9x P/E, the stock trades below typical market levels. P/S of 1.6x and P/B of 1.1x provide additional context. P/E sits below typical market levels while revenue is growing. Across the last 7 quarters, P/E has fallen for 3 consecutive quarters — an improving trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $673.84B
Cash: $55.88B
Long-Term Debt: $44.68B
Book Value: $113.79B
D/E Ratio: 0.4
Debt/EBITDA: 11.7

With $673.84B in assets and $44.68B in long-term debt, D/E is 0.4and book value is $113.79B — a conservative capital structure with a cushion to weather downturns. Over the past year, debt/equity is down 16% — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $8.44B
TTM Free Cash Flow: $29.70B
FCF Margin: 37.7%
FCF / Net Income: 2.8

TTM FCF of $29.70B on $8.44B in operating cash flow. The FCF / Net Income ratio of 2.8x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has risen for 4 consecutive quarters — an improving trend.