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STOCK COMPARISON

Capital One Financial vs Visa Inc. Class A: Fair Value & Quality

Both stocks run through our valuation models. Here is how Capital One Financial (COF) and Visa Inc. Class A (V) compare, as of Aug 8, 2026.

As of Aug 8, 2026, Fair Value Calculator sees Visa Inc. Class A as the less overvalued of the two: Capital One Financial trades at $220 versus a fair value of $105 (-52%), while Visa Inc. Class A trades at $370 versus $204 (-45%).
Capital One Financial
COF · USD · Financials
-52%
upside to fair value
overvalued
Price$220
Fair Value$105
Quality42/100
Visa Inc. Class A
V · USD · Financials
-45%
upside to fair value
overvalued
Price$370
Fair Value$204
Quality79/100

Head-to-head numbers

Green value = the better side for that row (for valuation multiples: lower = cheaper).

Capital One FinancialVisa Inc. Class A
Valuation
61.9×P/E (TTM)30.4×
3.43×P/S (TTM)15.42×
1.09×P/B17.51×
15.4×EV/EBITDA22.0×
0.21×PEG1.53×
1.4%Dividend yield0.8%
$2.80Dividend per share$2.60
Profitability
9%Net margin52%
29%Operating margin67%
3%Return on equity60%
0%Return on assets19%
Growth
46%Revenue growth (YoY)17%
21.7%Avg. growth/yr (3Y)10.9%
17.0%Avg. growth/yr (5Y)12.9%
Balance & size
0.43×Debt / equity0.52×
$124BMarket cap$664B
healthyGrowth qualityhealthy

Capital One Financial leads: 9 to 5 metric wins.

Dash = not meaningfully computable, for example with negative equity.

Quality in detail

The quality score, broken down into the same factor families as on the stock page, 0 to 100 per family.

Capital One Financialof which business quality 40 · market factors 51 Visa Inc. Class Aof which business quality 76 · market factors 67
ProfitabilityMargins and returns on capital today
15
76
Quality GrowthAre margins and returns improving?
41
41
CashflowEarnings quality: real cash, not paper profit
100
85
Fin. StrengthBalance sheet, leverage, solvency risk
29
71
InvestmentDisciplined investing over empire-building
43
85
Low VolatilityCalm price path (market factor)
60
83
MomentumPrice trend over the last 3–12 months (market factor)
47
53
52W MomentumDistance to the 52-week high (market factor)
48
72
Net IssuanceBuybacks instead of dilution
0
100

What the models say

The median fair value (base case) per model family, each in the currency of its trading venue. Green = above the current price, red = below.

Capital One Financial

DCF Models$386
Earnings-Based$47.07
Dividend Discount$50.50
Multiples$73.67
Asset-Based$124
Growth DCF$598
Economic Profit$88.87
Growth Earnings$69.84

16 of 26 models see the stock below the current price.

Visa Inc. Class A

DCF Models$283
Earnings-Based$148
Multiples$133
Asset-Based$15.30
Growth DCF$225
Economic Profit$179
Growth Earnings$227

23 of 24 models see the stock below the current price.

Scenario ranges

From our cautious bear case to the optimistic bull case. The white tick is the current price: left of fair value means room to run.

Capital One Financial
Bear $78.39Fair Value $105Bull $105
$220 = current price (white tick)
Visa Inc. Class A
Bear $122Fair Value $204Bull $335
$370 = current price (white tick)

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Ranked within their sector

Where each stock sits within its sector peer group. Band = middle 50% of peers, tick = median, dot = this stock.

Capital One Financial · Financials

Quality score42 · bottom 25%
Fair value upside-52% · bottom 25%

Visa Inc. Class A · Financials

Quality score79 · Top 25%
Fair value upside-45% · bottom 25%

Bottom line

As of Aug 8, 2026, Fair Value Calculator sees Visa Inc. Class A as the less overvalued of the two: Capital One Financial trades at $220 versus a fair value of $105 (-52%), while Visa Inc. Class A trades at $370 versus $204 (-45%).

Visa Inc. Class A has the higher quality score (79/100).

See the full analysis →
Capital One Financial · Visa Inc. Class A

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A model-based valuation snapshot from 21 models. Values change with price and fundamentals; the date shown above applies.