Capital One Financial Corporation

NYSE:COF Stock Report

Market Cap: US$143.0b

Capital One Financial Valuation

Is COF undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

2/6

Valuation Score 2/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of COF when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

US$290.18
Fair Value
22.5% undervalued intrinsic discount
21
Number of Analysts

Below Fair Value: COF ($225.01) is trading below our estimate of fair value ($290.18)

Significantly Below Fair Value: COF is trading below fair value by more than 20%.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for COF?

Key metric: As COF is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for COF. This is calculated by dividing COF's market cap by their current earnings.
What is COF's PE Ratio?
PE Ratio124.3x
EarningsUS$1.15b
Market CapUS$143.04b

Price to Earnings Ratio vs Peers

How does COF's PE Ratio compare to its peers?

The above table shows the PE ratio for COF vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average32.1x
AXP American Express
23.7x9.18%US$246.3b
SYF Synchrony Financial
7.7x-4.95%US$27.0b
SOFI SoFi Technologies
61.9x22.71%US$34.7b
ALLY Ally Financial
35.3x38.63%US$12.9b
COF Capital One Financial
124.3x51.00%US$143.0b

Price-To-Earnings vs Peers: COF is expensive based on its Price-To-Earnings Ratio (124.3x) compared to the peer average (32.1x).

Price to Earnings Ratio vs Industry

How does COF's PE Ratio compare vs other companies in the US Consumer Finance Industry?

3 CompaniesPrice / EarningsEstimated GrowthMarket Cap
XYF X Financial
2.2xn/aUS$543.66m
JFIN Jiayin Group
2.4xn/aUS$537.43m
AIJT.Y Jianpu Technology
1.4xn/aUS$18.62m
No more companies available in this PE range
COF 124.3xIndustry Avg. 10.1xNo. of Companies6PE01020304050+
3 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: COF is expensive based on its Price-To-Earnings Ratio (124.3x) compared to the US Consumer Finance industry average (10.1x).

Price to Earnings Ratio vs Fair Ratio

What is COF's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

COF PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio124.3x
Fair PE Ratio34.3x

Price-To-Earnings vs Fair Ratio: COF is expensive based on its Price-To-Earnings Ratio (124.3x) compared to the estimated Fair Price-To-Earnings Ratio (34.3x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst COF forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentUS$225.01
US$260.05
+15.57%
6.98%US$290.00US$210.00n/a21
Oct ’26US$213.48
US$255.14
+19.52%
7.53%US$290.00US$210.00n/a21
Sep ’26US$227.22
US$252.76
+11.24%
8.20%US$290.00US$202.00n/a21
Aug ’26US$207.47
US$252.57
+21.74%
8.16%US$290.00US$202.00n/a21
Jul ’26US$215.18
US$221.85
+3.10%
12.45%US$264.00US$160.00n/a20
Jun ’26US$189.15
US$214.55
+13.43%
12.27%US$264.00US$160.00n/a20
May ’26US$180.22
US$210.65
+16.88%
11.94%US$264.00US$160.00n/a20
Apr ’26US$178.22
US$211.17
+18.49%
9.66%US$251.00US$176.00n/a20
Mar ’26US$200.55
US$217.65
+8.53%
11.01%US$257.00US$176.00n/a19
Feb ’26US$203.71
US$211.39
+3.77%
10.50%US$257.00US$176.00n/a19
Jan ’26US$178.32
US$187.40
+5.09%
15.16%US$232.00US$119.00n/a18
Dec ’25US$192.01
US$182.78
-4.80%
15.14%US$228.00US$119.00n/a18
Nov ’25US$163.90
US$170.49
+4.02%
11.14%US$208.00US$119.00n/a18
Oct ’25US$146.80
US$163.77
+11.56%
11.14%US$208.00US$119.00US$213.4818
Sep ’25US$146.93
US$161.69
+10.05%
11.02%US$208.00US$119.00US$227.2217
Aug ’25US$143.89
US$161.69
+12.37%
11.02%US$208.00US$119.00US$207.4717
Jul ’25US$139.70
US$155.79
+11.52%
10.67%US$189.00US$111.00US$215.1818
Jun ’25US$137.63
US$154.95
+12.59%
10.80%US$189.00US$111.00US$189.1518
May ’25US$141.64
US$154.79
+9.28%
10.59%US$189.00US$111.00US$180.2218
Apr ’25US$145.30
US$147.36
+1.42%
10.25%US$180.00US$111.00US$178.2217
Mar ’25US$136.77
US$145.17
+6.14%
9.74%US$170.00US$111.00US$200.5518
Feb ’25US$134.56
US$139.90
+3.97%
10.15%US$160.00US$110.00US$203.7120
Jan ’25US$131.12
US$121.34
-7.46%
15.58%US$159.00US$87.00US$178.3221
Dec ’24US$113.93
US$113.51
-0.37%
15.33%US$146.00US$87.00US$192.0121
Nov ’24US$100.27
US$111.65
+11.35%
16.13%US$146.00US$87.00US$163.9021
Oct ’24US$97.05
US$117.68
+21.26%
14.82%US$146.00US$87.00US$146.8019
US$260.05
Fair Value
13.5% undervalued intrinsic discount
21
Number of Analysts

Analyst Forecast: Target price is less than 20% higher than the current share price.

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/10/26 00:37
End of Day Share Price 2025/10/24 00:00
Earnings2025/09/30
Annual Earnings2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Capital One Financial Corporation is covered by 47 analysts. 18 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Stephen BiggarArgus Research Company
David GeorgeBaird
Terry MaBarclays