Capital One Financial Corp. (0HT4) fair value: what the stock is really worth
As of Oct 2, 2026: fair value of Capital One Financial Corp. $184, price $195, upside -6.0%, quality 39 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range $79.81 – $257.32 · fair‑value band $161.10 – $254.01 · the $195.27 price screens above the $183.53 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.
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Capital One Financial Corporation operates as the financial services holding company for the Capital One, National Association, which engages in the provision of 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.
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Capital One Financial Corporation operates as the financial services holding company for the Capital One, National Association, which engages in the provision of 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, time deposits, and sweep accounts. Its loan products include credit card and personal loans; auto and retail banking loans; and commercial and multifamily real estate, and commercial and industrial loans. The company offers credit and debit card products; bank lending; and provides advisory, capital markets, net interchange, 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 the District of Columbia. Capital One Financial Corporation was founded in 1988 and is headquartered in McLean, Virginia.
Stock analysis
Capital One Financial Corp. (0HT4) currently trades at $195.27, while our model-based Fair Value estimate is $183.53, so the stock looks roughly fairly valued today (gap 6.4%).
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Valuation
Bull case: the DCF Models group reads highest at a median of $734.88 per share, and 5 of the 11 models we run sit above the $195.27 price.
Bear case: the Multiples group reads lowest at $66.74, and 6 of the 11 models stay below the price. Evidence for this calculation is medium.
Scenario range: $161.10 (bear) to $254.01 (bull), the price of $195.27 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 39/100 (below-average quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Capital One Financial Corp. reported revenue of $69.3B in FY2025 versus $32.0B in FY2021, a compound +21.3%/yr. Reported net income was $2.5B in FY2025, compounding −33.2%/yr from FY2021.
Key figures
Market cap $106B · P/E ratio 0.1 · EPS (TTM) $25.57 · Dividend yield 1.5% · Net margin 3.5% · Return on equity 9.0% · Return on assets (EBIT) 1.9% · Operating margin 33.6%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 47 out of 100 (low confidence).
What moves the price
The share trades about 24% below its 52-week high and 12% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at 10% fair-value upside, at −6%, 0HT4 screens richer than that median.
Fair Value models
Bear $161.10Fair Value $183.53Bull $254.01
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then ($17.07 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.95/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+29.0%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+21.9%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+17.0%
Start year 2020 (pandemic). Over 10 years: +13.9% a year
Revenue growth 13 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+11.7%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
−15.8%
Earnings growth per share plus dividend.
Earnings per share, growth per year−17.3%
Dividend (yield on the price)1.5%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−17.3% vs −4.7%, slowing
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.12% → 3%
Start year 2020 (pandemic)
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far and less than analysts expect.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
−9.1%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
+2.2%
Yearly sales growth analysts expect, extended to five years.
After inflation (figures in USD, USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about −11.2% a year for the price and −0.2% for the forecasts.
Compare Capital One Financial Corp. with another stock
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Credit Services · 332 stocks
Beats the industry median on 6/10 measures
Overall it ranks above its industry peers.
Valuation
Quality Score36 · Bottom 25%
Fair Value upside−6.0% · Below median
Profitability
Return on equity (TTM)9.0% · Above median
Return on assets1.5% · Below median
Net margin (TTM)21.9% · Above median
Operating margin (TTM)33.6% · Above median
Growth and dividend
Revenue growth46.3% · Top 25%
Dividend yield (TTM)1.5% · Below median
Balance sheet
Debt / equity0.37× · Below median
Valuation Multiplesvs Credit Services median · lower = cheaper
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Cite: Fair Value Calculator (2026). "Capital One Financial Corp. Fair Value". https://www.fairvalue-calculator.com/stock/0HT4
Frequently asked questions
Is Capital One Financial Corp. (0HT4) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $183.53 versus a price of $195.27, about −6% upside (fairly valued).
What is the fair value of 0HT4?
Our model-based fair value for Capital One Financial Corp. is $183.53 (as of Sep 24, 2026), built from audited fundamentals. The current price: $195.27.
What is the quality score of 0HT4?
Capital One Financial Corp. has a Quality Score of 39/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Capital One Financial Corp. (0HT4)?
Our model-based price target is the fair value of $183.53 (as of Sep 24, 2026) from 11 valuation models. Cautious scenario $161.10, optimistic scenario $254.01. It is a calculation from audited fundamentals, not an analyst target.
What is the Capital One Financial Corp. stock forecast for 2026?
Our models put fair value at $183.53, about −6% upside versus a price of $195.27 (fairly valued). Cautious scenario $161.10, optimistic scenario $254.01. The calculation is refreshed regularly with new filings.
What is the revenue of Capital One Financial Corp. (0HT4)?
Capital One Financial Corp. reported trailing-twelve-month revenue of about $48.1B (latest available figure, as of Sep 24, 2026).
Does Capital One Financial Corp. pay a dividend?
Capital One Financial Corp. currently shows a dividend yield of about 1.54% relative to its recent price (as of Sep 24, 2026).
What growth is priced into Capital One Financial Corp. (0HT4)?
For today's price to be fair in a discounted-cash-flow model, Capital One Financial Corp. would have to grow free cash flow by -9.1 % per year for five years (discount rate 10.3 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +17.0 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of 0HT4 use?
Our models discount Capital One Financial Corp. at 10.3 %: a base by market capitalisation (unknown), damped by beta 1.02, country premium for United Kingdom. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Capital One Financial Corp. that is -9.1 % per year a year over ten years, using the same discount rate (10.3 %) and the same formula as our fair value.
How much growth has Capital One Financial Corp. (0HT4) delivered so far?
Over the past 5 years revenue at Capital One Financial Corp. grew +17.0 % a year. The price currently implies -9.1 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Capital One Financial Corp. (0HT4) growing?
The median revenue growth in the sector is +7.1 % a year. That is the yardstick for the growth priced into Capital One Financial Corp. (-9.1 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Capital One Financial Corp. (0HT4)?
The free-cash-flow yield on the price is 18.68 %: that much free cash flow Capital One Financial Corp. produces per unit of market value. When it exceeds the discount rate of our models (10.3 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Capital One Financial Corp. (0HT4)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Capital One Financial Corp. it is $183.53 per share (as of Sep 24, 2026), against a price of $195.27. It is the blended result of 11 valuation models (cash flow, earnings, asset, dividend).
Is Capital One Financial Corp. stock overvalued or undervalued in 2026?
As of Sep 24, 2026, 0HT4 trades above its calculated fair value: price $195.27, fair value $183.53, a gap of about −6% (fairly valued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of 0HT4?
No. The price is what the market pays today ($195.27); the fair value is what the company's own numbers justify ($183.53). For Capital One Financial Corp. the two are $11.74 per share apart. That gap is exactly why we show both numbers side by side.
How much is Capital One Financial Corp. worth?
The market values Capital One Financial Corp. at about $106B (market capitalisation, as of Sep 24, 2026). Per share that is $195.27; our models calculate a fair value of $183.53 per share.
What do the bullish and bearish scenarios say about 0HT4?
Our models span a range for Capital One Financial Corp.: cautious scenario $161.10, base $183.53, optimistic $254.01 per share (as of Sep 24, 2026, price $195.27). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 0HT4?
Capital One Financial Corp. trades at a price-to-earnings ratio of 0.1 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $183.53 is built from several models across several years.
How solid is the balance sheet of Capital One Financial Corp. (0HT4)?
Balance-sheet figures for Capital One Financial Corp. (as of Sep 24, 2026): return on equity 9.0%, debt of 0.37 per unit of equity. They feed the Quality Score of 39/100, which measures business quality independently of the share price.
How far is 0HT4 from its 52-week high?
Capital One Financial Corp. trades at $195.27, about 24% below its 52-week high of $257.32 and 12% above the low of $174.58 (as of Oct 2, 2026). Distance from the high says nothing about value: that is what the fair value of $183.53 is for.
Which stocks are comparable to Capital One Financial Corp.?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Bajaj Finance Limited, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Capital One Financial Corp. stock attractive at the current price?
The data as of Sep 24, 2026: price $195.27, calculated fair value $183.53 (−6%), Quality Score 39/100, from 11 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of 0HT4 calculated?
We run Capital One Financial Corp. through 11 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $183.53, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. Capital One Financial Corp. itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Capital One Financial Corp. (0HT4)?
The closing price on Oct 2, 2026 was $195.27. Our model-based fair value is $183.53, about −6% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Capital One Financial Corp. right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Capital One Financial Corp. (0HT4) come from?
Earnings per share at Capital One Financial Corp. grew +2.5 % a year from 2014 to 2025. Broken into its drivers: revenue per share +12.4 %, EBIT margin −9.7 %, tax rate +2.3 %, residual (interest, one-offs) −1.2 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Capital One Financial Corp.
How large is the market capitalisation of Capital One Financial Corp. (0HT4)?
The market capitalisation of Capital One Financial Corp. is $106B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What are the earnings per share of Capital One Financial Corp. (0HT4)?
Earnings per share at Capital One Financial Corp. are $25.57 (price ÷ EPS = P/E 0.1). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Capital One Financial Corp. (0HT4)?
The dividend yield of Capital One Financial Corp. is 1.5% (payout 11.7%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Capital One Financial Corp. (0HT4)?
The net margin of Capital One Financial Corp. is 3.5% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Capital One Financial Corp. (0HT4)?
The return on equity (ROE) of Capital One Financial Corp. is 9.0% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Capital One Financial Corp. (0HT4)?
On an EBIT basis the return on assets of Capital One Financial Corp. is 1.9% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Capital One Financial Corp. (0HT4)?
The operating margin of Capital One Financial Corp. is 33.6% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Capital One Financial Corp. (0HT4)?
Revenue at Capital One Financial Corp. is growing +46.3% versus a year earlier (3y avg +21.9%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Capital One Financial Corp. (0HT4)?
Earnings per share at Capital One Financial Corp. are growing −3.2% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Capital One Financial Corp. (0HT4) carry?
The net debt of Capital One Financial Corp. is $44.6B (fiscal year 2025, ≈ 1.7 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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