EN DE
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 Sep 22, 2026.

As of Sep 22, 2026, Fair Value Calculator sees Visa Inc. Class A as the less overvalued of the two: Capital One Financial trades at $202 versus a fair value of $107 (-47%), while Visa Inc. Class A trades at $368 versus $226 (-39%).
Capital One Financial
COF · USD · Financials
-47%
upside to fair value
overvalued
Price$202
Fair Value$107
Quality38/100
Visa Inc. Class A
V · USD · Financials
-39%
upside to fair value
overvalued
Price$368
Fair Value$226
Quality82/100
Get comparisons like this free by email every month: the most undervalued quality stocks.

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×
−47.4%Fair value upside−38.7%
1.3%Dividend yield0.7%
$2.80Dividend per share$2.60
Profitability
29%Operating margin67%
0.33×EBIT margin trend (5Y)0.93×
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%
−16.1%Value creation/yr+16.5%
Balance & size
0.1×Interest coverage (EBIT/interest)40.7×
0.43×Debt / equity0.52×
$124BMarket cap$664B
mixedGrowth qualityhealthy

Even match: 8 to 8 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 46 Visa Inc. Class Aof which business quality 76 · market factors 68
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)
61
83
MomentumPrice trend over the last 3–12 months (market factor)
46
58
52W MomentumDistance to the 52-week high (market factor)
29
71
Net IssuanceShare count: buybacks or dilution?
0
100

What the models say

How far the median fair value (base case) per model family sits from the current price, in percent. The amount in the currency of the trading venue is shown underneath.

above the price, more than 15% above close to the price, 85% to 115% of the price below the price, more than 15% below

Model familyCapital One FinancialPrice $202Visa Inc. Class APrice $368
DCF Models+32%above the price$266-36%below the price$236
Earnings-Based-60%below the price$80.34-27%below the price$269
Dividend Discount-75%below the price$50.50n/a
Multiples-70%below the price$59.73-74%below the price$94.55
Asset-Based-39%below the price$124-96%below the price$15.30
Growth DCF+195%above the price$598-40%below the price$219
Economic Profit-37%below the price$127-48%below the price$190
Minimum-75%below the price$50.50-96%below the price$15.30
Maximum+195%above the price$598-27%below the price$269
Median-39%below the price$124-44%below the price$205
Geometric mean-36%below the price$129-66%below the price$125

Minimum, maximum, median and geometric mean refer to the family values in this table. Geometric because deviations are ratios: half the price and twice the price average to 100%, not 125%.

Capital One Financial: 8 of 13 models see the stock below the current price.

Visa Inc. Class A: 10 of 11 models see the stock below the current price.

Scenario ranges

From our cautious bear scenario to the optimistic bull scenario. The white tick is the current price (value above it), the green tick the fair value (value below it): if the price sits left of the fair value, there is room to rise.

Capital One Financial
Price $202
Fair Value $107
Bear $107Bull $137
Visa Inc. Class A
Price $368
Fair Value $226
Bear $119Bull $536

Compare two other stocks

Tap a field and type again, ticker or company name.

Free, no sign-up

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 score38 · bottom 25%
Fair value upside-47% · bottom 25%

Visa Inc. Class A · Financials

Quality score82 · Top 25%
Fair value upside-39% · below median

Bottom line

As of Sep 22, 2026, Fair Value Calculator sees Visa Inc. Class A as the less overvalued of the two: Capital One Financial trades at $202 versus a fair value of $107 (-47%), while Visa Inc. Class A trades at $368 versus $226 (-39%).

Visa Inc. Class A has the higher quality score (82/100).

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

More comparisons

Popular match-ups from the same sectors, all with fair value and quality score.

Related to Capital One Financial

Microsoft vs NvidiaApple vs MicrosoftMicrosoft vs Taiwan Semiconductor ManufacturingCisco Systems vs Nvidia

Related to Visa Inc. Class A

Alphabet Inc Class C vs Meta PlatformsApple vs Cisco SystemsBroadcom vs MicrosoftMicrosoft vs Micron Technology
Free · Top-25 report

See the undervalued quality stocks every month

Just your email for the monthly Top-25 report of the most undervalued quality stocks, with fair value, quality and price target. Plus 14 days of Pro to try, no card.

Free. You confirm by email (double opt-in) and can unsubscribe anytime in one click. Not financial advice.

A model-based valuation snapshot from 26 models. Values change with price and fundamentals; the date shown above applies.