Financials · Consumer Finance · US stock · price as of 22 Oct 2026
Key indicators
Price
$203.43
52-week range
$174.24 – $259.64
Market cap
$126.4B
P/E (trailing)
11.7×
Dividend yield
1.6%
Revenue (last 12 months)
$62.0B
Revenue growth (3y a year)
16.0%
Price / book
1.1×
Return on equity
9.2%
Fair value
Fair value (average of valid models)$280.08 middle half of models $213 – $335
Versus priceUndervalued+38% to fair value
P/E multiple
$199.05
P/B multiple
$218.24
P/S multiple
$317.47
Dividend discount, multi-stage
$385.56
Model uncertainty
Medium
X-Ray Score
63/ 100 · Medium confidence · ahead of 90% of sector peers
Valuation88
Growth66
Profitability39
Financial health61
Dividends64
Five-year price chart navy: price · brown: 200-day average · blue band: fair value range
Executive summary
Capital One Financial is a bank holding company best known for credit cards, and it also offers auto loans, consumer banking and commercial lending. It earns money mostly from interest on loans, especially card balances, plus fees and interchange income from card spending. The company funds its lending largely through customer deposits, and credit quality and charge-offs are key factors that influence its results.
The company pays a dividend with a yield of 1.6%. Looking at the numbers, trailing revenue is $62.0 billion, and it grew 16.0% a year over the past three years. Operating margin is 21.0%, while return on invested capital is 10%.
StocksXray gives Capital One Financial Corp an X-Ray Score of 63 out of 100 (medium confidence), ahead of 90% of the S&P 500 stocks in its sector. Its strongest lens is valuation (88) and its weakest is profitability (39).
Our fair value (the average of the valid models) is $280.08 (range $213.44 to $334.50). At $203.43 the stock trades 27% below that value, so the label is "Undervalued" with medium model uncertainty. Fair value is a range, not a price target.
XStocksXray
Capital One Financial Corp (COF)
Valuation history multiples at each fiscal year-end price; the last column uses today's price and the last twelve months
FY2021
FY2022
FY2023
FY2024
FY2025
Now
Price
$133.37
$87.23
$125.90
$174.04
$239.56
$203.43
Market cap
$59.2B
$34.3B
$48.3B
$66.8B
$129.7B
$126.4B
P/E
5.0×
4.9×
10.5×
15.0×
59.4×
11.7×
Price / book
1.0×
0.7×
0.8×
1.1×
1.1×
1.1×
Dividend yield
–
–
–
–
–
1.57%
Fundamentals checklist ● 3 Good · ● 1 Average · ● 3 Bad · each check graded against the sector
Risk models
Piotroski F-Score6 of 9Average
Growth
EPS growth (3y)−39.2%Bad
Revenue growth (3y)16.0%Good
Growth consistency100%Good
Valuation
Fair value vs price1.4×Good
Profitability
Return on invested capital9.8%Bad
Operating margin21.0%Bad
Red flags
Heavy dilution — Share count up more than 5% year on year
Heavy dilution — Share count up more than 5% year on year
Heavy dilution — Share count up more than 5% year on year
Heavy dilution — Share count up more than 5% year on year
Heavy dilution — Share count up more than 5% year on year
XStocksXray
Capital One Financial Corp (COF)
Financials US$ millions, from SEC filings; last column is the last twelve months
Income statement
FY21
FY22
FY23
FY24
FY25
LTM
Revenue
30,435
34,250
36,787
39,112
53,434
62,023
Net income
12,390
7,360
4,887
4,750
2,453
10,520
Diluted EPS ($)
26.94
17.91
11.95
11.59
4.03
17.35
Net margin
40.7%
21.5%
13.3%
12.1%
4.6%
17.0%
Balance sheet
FY21
FY22
FY23
FY24
FY25
LTM
Total assets
432,381
455,249
478,464
490,144
669,009
673,835
Cash
22,054
31,256
43,755
43,671
62,093
55,881
Total debt
43,086
48,715
49,856
45,551
51,000
45,371
Equity
61,029
52,582
58,089
60,784
113,616
113,793
Dividend per share ($)
–
–
–
–
–
3.00
Revenue and net income US$ billions: navy revenue, teal net income
Every number comes from SEC filings, end-of-day prices and the StocksXray models described on the methodology page. The X-Ray Score ranks each metric against the company's own sector. Fair value is the average of up to 15 valuation models, most of them anchored to the company's own multiples, so it stays near the price and should be read as a range, not a point. Analyst ratings, price targets and earnings-call summaries are not part of this report. Educational research, not financial advice; read the disclaimer.
