0.35%
14.75%
25.70%
35.15%
51.21%
39.45%
105.03%
AI Spotlight on COF
Company Description
Capital One Financial Corporation operates as the financial services holding company for the Capital One Bank (USA), National Association; and Capital One, National Association, which provides 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, and time deposits.
Its loan products include credit card loans; auto and retail banking loans; and commercial and multifamily real estate, and commercial and industrial loans.The company also offers credit and debit card products; online direct banking services; and 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 California.
Capital One Financial Corporation was founded in 1988 and is headquartered in McLean, Virginia.
Market Data
| Last Price | 204.62 |
| Change Percentage | 0.35% |
| Open | 206.05 |
| Previous Close | 203.91 |
| Market Cap ( Millions) | 78007 |
| Volume | 2840105 |
| Year High | 208.6 |
| Year Low | 128.23 |
| M A 50 | 186.18 |
| M A 200 | 155.85 |
Financial Ratios
| FCF Yield | 27.82% |
| Dividend Yield | 1.17% |
| ROE | 7.36% |
| Debt / Equity | 77.58% |
| Net Debt / EBIDTA | -7.01% |
| Price To Book | 1.25 |
| Price Earnings Ratio | 17.97 |
| Price To FCF | 3.59 |
| Price To sales | 1.58 |
| EV / EBITDA | 11.28 |
News
- Jan -28 - 3 Consumer Stocks Call Option Traders Are Betting Big On
- Jan -28 - 3 Stocks to Watch From the Challenging Consumer Loan Industry
- Jan -26 - M&A And Regulatory Change Have Transformed Capital One's Outlook And Valuation
- Jan -24 - Capital One Q4 Earnings: Encouraging Credit Trends Justify The Stock Rally
- Jan -23 - Is Something Big About to Happen To This Bank Stock?
- Jan -23 - Signature Healthcare Resolves Payroll Delay Caused by Capital One Banking Disruption
- Jan -22 - Capital One And Fifth Third Bancorp's Capital Strength And Growth Prospects; Analyst Sees Upside
- Jan -22 - Capital One Posts Q4 Earnings Beat, Analysts Weigh In On Discover Acquisition
- Jan -22 - COF's Q4 Earnings Beat on Increase in NII & Fee Income, Provisions Dip
- Jan -22 - Capital One Financial Corporation (COF) Q4 2024 Earnings Call Transcript
- Jan -22 - Capital One's Card Purchase Volumes Grow 7%, Consumer Credit Trends ‘Stable'
- Jan -22 - Big Trading Day Ends with Q4 Earnings Beats: NFLX, UAL, COF
- Jan -22 - Here's What Key Metrics Tell Us About Capital One (COF) Q4 Earnings
- Jan -21 - Capital One (COF) Tops Q4 Earnings and Revenue Estimates
- Jan -21 - Capital One: Q4 Income Up, Revenue Down
- Jan -21 - Capital One's fourth-quarter profit jumps on interest income boost
- Jan -21 - Capital One Reports Fourth Quarter 2024 Net Income of $1.1 Billion, or $2.67 Per Share
- Jan -20 - NII & Fee Income to Aid COF's Q4 Earnings Amid Rising Provisions
- Jan -20 - Capital One: Service Back After Outage Locks Out Thousands
- Jan -18 - 3 No-Brainer Warren Buffett Stocks to Buy Right Now
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Credit Card
Expected Growth : 12 %
What the company do ?
Capital One credit cards offer rewards, cashback, and travel benefits with no foreign transaction fees, annual fees, and competitive APRs.
Why we expect these perspectives ?
Capital One's credit card segment growth of 12% is driven by increasing consumer spending, expansion into new markets, and strategic partnerships. Additionally, the company's focus on digital transformation, innovative product offerings, and rewards programs have contributed to its growth. Furthermore, the acquisition of new customers and retention of existing ones through targeted marketing campaigns have also played a significant role.
Segment n°2 -> Consumer Banking
Expected Growth : 10 %
What the company do ?
Consumer Banking from Capital One Financial Corporation offers personal banking products and services, including checking and savings accounts, credit cards, auto loans, and mortgages.
Why we expect these perspectives ?
Capital One's Consumer Banking segment growth is driven by increasing digital adoption, expansion of credit card offerings, and strategic partnerships. Strong brand recognition, competitive pricing, and innovative products such as 360 Checking and Quicksilver Cash Rewards Credit Card also contribute to growth. Additionally, investments in digital transformation and customer experience enhancements support the 10% growth rate.
Segment n°3 -> Commercial Banking
Expected Growth : 9 %
What the company do ?
Commercial Banking from Capital One Financial Corporation provides financial solutions to businesses, including cash management, lending, and treasury management services.
Why we expect these perspectives ?
Capital One Financial Corporation's 9% growth in Commercial Banking is driven by increasing demand for credit and treasury management services, expansion into new markets, and strategic investments in digital capabilities. Additionally, the company's focus on customer relationships, risk management, and operational efficiency has contributed to its growth momentum.
Segment n°4 -> Other
Expected Growth : 8 %
What the company do ?
Other from Capital One Financial Corporation refers to the company's non-interest income, including fees from services, interchange, and other miscellaneous revenue streams.
Why we expect these perspectives ?
Capital One Financial Corporation's 8% growth is driven by increasing consumer spending, expansion into new markets, and strategic partnerships. Additionally, the company's focus on digital transformation, investments in technology, and cost savings initiatives have contributed to its growth. Furthermore, the rise of online banking and mobile payments has also boosted the company's revenue.
Capital One Financial Corporation Products
| Product Range | What is it ? |
|---|---|
| Consumer Banking | Provides checking, savings, and money market accounts, as well as certificates of deposit (CDs) and individual retirement accounts (IRAs) |
| Credit Cards | Offers a range of credit cards with rewards, cashback, and travel benefits |
| Auto Financing | Provides financing for new and used vehicles, as well as refinancing options for existing auto loans |
| Home Loans | Offers mortgage loans, refinancing options, and home equity loans |
| Commercial Banking | Provides cash management, lending, and treasury management services to businesses |
| Commercial Lending | Offers term loans, lines of credit, and asset-based lending to businesses |
| Capital Markets | Provides investment banking, debt and equity capital markets, and financial advisory services |
| Treasury Services | Offers cash management, trade finance, and treasury management services to businesses |
Capital One Financial Corporation's Porter Forces
Threat Of Substitutes
Capital One Financial Corporation operates in a highly competitive industry, and customers have various alternatives to choose from. However, the company's strong brand recognition and diversified product offerings mitigate the threat of substitutes to some extent.
Bargaining Power Of Customers
Capital One Financial Corporation has a large customer base, which reduces the bargaining power of individual customers. Additionally, the company's diversified product offerings and strong brand recognition reduce the likelihood of customers switching to competitors.
Bargaining Power Of Suppliers
Capital One Financial Corporation has a diversified supplier base, which reduces the bargaining power of individual suppliers. The company's strong financial position and long-term contracts with suppliers also mitigate the bargaining power of suppliers.
Threat Of New Entrants
The financial services industry has high barriers to entry, including regulatory hurdles and significant capital requirements. This reduces the threat of new entrants and allows established players like Capital One Financial Corporation to maintain their market share.
Intensity Of Rivalry
The financial services industry is highly competitive, with many established players competing for market share. Capital One Financial Corporation faces intense competition from traditional banks, fintech companies, and other financial institutions, which increases the intensity of rivalry.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 46.19% |
| Debt Cost | 7.96% |
| Equity Weight | 53.81% |
| Equity Cost | 11.27% |
| WACC | 9.74% |
| Leverage | 85.83% |
Capital One Financial Corporation : Quality Control
Capital One Financial Corporation passed 4 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| V | Visa Inc. operates as a payments technology company worldwide. The company facilitates digital payments among consumers, merchants, financial institutions, businesses, strategic partners, and government entities. It operates VisaNet, a transaction … |
| AXP | American Express Company, together with its subsidiaries, provides charge and credit payment card products, and travel-related services worldwide. The company operates through three segments: Global Consumer Services Group, Global Commercial … |
| DFS | Discover Financial Services, through its subsidiaries, provides digital banking products and services, and payment services in the United States. It operates in two segments, Digital Banking and Payment Services. The … |
| BBDC | Barings BDC, Inc. (NYSE: BBDC) is a publicly traded, externally managed investment company that has elected to be treated as a business development company under the Investment Company Act of … |
| PYPL | PayPal Holdings, Inc. operates a technology platform that enables digital payments on behalf of merchants and consumers worldwide. It provides payment solutions under the PayPal, PayPal Credit, Braintree, Venmo, Xoom, … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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Capital One
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Discover
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Amex
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Visa
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