Capital One Financial Corporation (COF) fair value: what the stock is really worth
We calculate from audited financials what Capital One Financial Corporation is really worth. The fair value tells you whether the price is too high or too low, the quality score (0 to 100) how solid the business behind it is. 26 models, 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 17, 2026.
How to read this chart
60‑month range $81.04 – $255.86 · fair‑value band $106.56 – $136.58 · the $202.43 price screens above the $106.56 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 17, 2026.
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 Corporation (COF) currently trades at $202.43, while our model-based Fair Value estimate is $106.56, implying the stock looks roughly 90.0% overvalued today.
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Valuation
Bull case: the Growth DCF group reads highest at a median of $270.85 per share, and 5 of the 13 models we run sit above the $202.43 price.
Bear case: the Earnings-Based group reads lowest at $43.17, and 8 of the 13 models stay below the price. Evidence for this calculation is high.
Scenario range: $106.56 (bear) to $136.58 (bull), the price of $202.43 sits above 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 37/100 (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 Corporation 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 −33.3%/yr from FY2021.
Key figures
Market cap $124B · P/E ratio 62.1 · P/S ratio 2.20 · EPS (TTM) $3.26 · Dividend yield 1.4% · Net margin 3.5% · Return on equity 3.3% · Return on assets (EBIT) 1.7%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 46 out of 100 (medium confidence).
What moves the price
The share trades about 21% below its 52-week high and 16% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −40% fair-value upside, at −47%, COF screens richer than that median.
Fair Value models
Bear $106.56Fair Value $106.56Bull $136.58
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 ($0.3182 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.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.90/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+28.4%
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.
+21.7%
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%
Revenue growth 31 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.
+16.2%
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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.
−16.0%
Earnings growth per share plus dividend.
Earnings per share, growth per year−17.4%
Dividend (yield on the price)1.4%
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% vs −5%, 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.10% → 3%
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).
−21.6%
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.
Compare Capital One Financial Corporation with another stock
Price, fair value, quality and upside side by side.
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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 · 335 stocks
Beats the industry median on 3/15 measures
Overall it trails its industry peers.
Valuation
Quality Score37 · Bottom 25%
Fair Value upside−55% · Bottom 25%
Profitability
Return on equity (TTM)3% · Below median
Return on assets0% · Bottom 25%
Net margin (TTM)9% · Below median
Operating margin (TTM)29% · Below median
Growth and dividend
Revenue growth46% · Top 25%
Dividend yield (TTM)1.4% · Below median
Balance sheet
Debt / equity0.43× · Below median
Valuation Multiplesvs Credit Services median · lower = cheaper
P/E (TTM)62.1× · Priciest 25%
P/B1.09× · Pricier than median
P/S (TTM)3.43× · Pricier than median
P/FCF4.8× · Priciest 25%
EV/EBITDA15.4× · Pricier than median
PEG0.21× · Cheapest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 39
FUTURE (revenue growth)100· sector 39
PAST (return on equity)13· sector 30
HEALTH (low debt)79· sector 58
DIVIDEND (yield)28· sector 71
VALUE 0: the price sits above our fair-value range.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Capital One Financial Corporation Fair Value". https://www.fairvalue-calculator.com/stock/COF
Frequently asked questions
Is Capital One Financial Corporation (COF) overvalued or undervalued?
As of Sep 17, 2026, our model estimates a fair value of $106.56 versus a price of $202.43, about −47% upside (overvalued).
What is the fair value of COF?
Our model-based fair value for Capital One Financial Corporation is $106.56 (as of Sep 17, 2026), built from audited fundamentals. The current price: $202.43.
What is the quality score of COF?
Capital One Financial Corporation has a Quality Score of 37/100. 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 Corporation (COF)?
Our model-based price target is the fair value of $106.56 (as of Sep 17, 2026) from 13 valuation models. Cautious scenario $106.56, optimistic scenario $136.58. It is a calculation from audited fundamentals, not an analyst target.
What is the Capital One Financial Corporation stock forecast for 2026?
Our models put fair value at $106.56, about −47% upside versus a price of $202.43 (overvalued). Cautious scenario $106.56, optimistic scenario $136.58. The calculation is refreshed regularly with new filings.
What is the revenue of Capital One Financial Corporation (COF)?
Capital One Financial Corporation reported trailing-twelve-month revenue of about $36.3B (latest available figure, as of Sep 17, 2026).
Does Capital One Financial Corporation pay a dividend?
Capital One Financial Corporation currently shows a dividend yield of about 1.38% relative to its recent price (as of Sep 17, 2026).
What growth is priced into Capital One Financial Corporation (COF)?
For today's price to be fair in a discounted-cash-flow model, Capital One Financial Corporation would have to grow free cash flow by -21.6 % per year for five years (discount rate 9.3 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +17.0 % per year. As of Sep 17, 2026.
What discount rate (WACC) does the fair value of COF use?
Our models discount Capital One Financial Corporation at 9.3 %: a base by market capitalisation (large), damped by beta 1.04, country premium for USA. 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 Corporation that is -21.6 % per year a year over ten years, using the same discount rate (9.3 %) and the same formula as our fair value.
How much growth has Capital One Financial Corporation (COF) delivered so far?
Over the past 5 years revenue at Capital One Financial Corporation grew +17.0 % a year. The price currently implies -21.6 % 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 Corporation (COF) growing?
The median revenue growth in the sector is +8.1 % a year. That is the yardstick for the growth priced into Capital One Financial Corporation (-21.6 % 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 Corporation (COF)?
The free-cash-flow yield on the price is 23.86 %: that much free cash flow Capital One Financial Corporation produces per unit of market value. When it exceeds the discount rate of our models (9.3 %), 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 Corporation (COF)?
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 Corporation it is $106.56 per share (as of Sep 17, 2026), against a price of $202.43. It is the blended result of 13 valuation models (cash flow, earnings, asset, dividend).
Is Capital One Financial Corporation stock overvalued or undervalued in 2026?
As of Sep 17, 2026, COF trades above its calculated fair value: price $202.43, fair value $106.56, a gap of about −47% (overvalued). 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 COF?
No. The price is what the market pays today ($202.43); the fair value is what the company's own numbers justify ($106.56). For Capital One Financial Corporation the two are $95.87 per share apart. That gap is exactly why we show both numbers side by side.
How much is Capital One Financial Corporation worth?
The market values Capital One Financial Corporation at about $124B (market capitalisation, as of Sep 17, 2026). Per share that is $202.43; our models calculate a fair value of $106.56 per share.
What do the bullish and bearish scenarios say about COF?
Our models span a range for Capital One Financial Corporation: cautious scenario $106.56, base $106.56, optimistic $136.58 per share (as of Sep 17, 2026, price $202.43). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of COF?
Capital One Financial Corporation trades at a price-to-earnings ratio of 62.1 (as of Sep 17, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $106.56 is built from several models across several years. Other multiples: PEG 0.2, P/B 1.1, P/S 3.4, EV/EBITDA 15.4.
What is the PEG ratio of COF?
The PEG ratio of Capital One Financial Corporation is 0.21 (P/E divided by earnings growth, as of Sep 17, 2026). That is below 1, so growth is priced more cheaply than the earnings multiple alone suggests.
How solid is the balance sheet of Capital One Financial Corporation (COF)?
Balance-sheet figures for Capital One Financial Corporation (as of Sep 17, 2026): return on equity 3.3%, debt of 0.43 per unit of equity. They feed the Quality Score of 37/100, which measures business quality independently of the share price.
How far is COF from its 52-week high?
Capital One Financial Corporation trades at $202.43, about 21% below its 52-week high of $257.54 and 16% above the low of $174.23 (as of Sep 17, 2026). Distance from the high says nothing about value: that is what the fair value of $106.56 is for.
Which stocks are comparable to Capital One Financial Corporation?
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 Corporation stock attractive at the current price?
The data as of Sep 17, 2026: price $202.43, calculated fair value $106.56 (−47%), Quality Score 37/100, from 13 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 COF calculated?
We run Capital One Financial Corporation through 13 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 $106.56, 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 16.1 % above its aggregate fair value. Capital One Financial Corporation 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 Corporation (COF)?
The closing price on Sep 18, 2026 was $202.43. Our model-based fair value is $106.56, about −47% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Capital One Financial Corporation right now?
The price sits above even our optimistic bull case ($136.58). The favourable scenario is already priced in. Weak quality (37/100) and above fair value at the same time, the margin of safety is missing on both counts. 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 Corporation (COF) come from?
Earnings per share at Capital One Financial Corporation grew +2.3 % a year from 2014 to 2025. Broken into its drivers: revenue per share +12.2 %, EBIT margin −11.0 %, tax rate +2.2 %, residual (interest, one-offs) +0.3 %. 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 Corporation
How large is the market capitalisation of Capital One Financial Corporation (COF)?
The market capitalisation of Capital One Financial Corporation is $124B. 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 is the P/S ratio of Capital One Financial Corporation (COF)?
The price-to-sales ratio of Capital One Financial Corporation is 2.20 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Capital One Financial Corporation (COF)?
Earnings per share at Capital One Financial Corporation are $3.26 (price ÷ EPS = P/E 62.1). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Capital One Financial Corporation (COF)?
The dividend yield of Capital One Financial Corporation is 1.4% (payout 85.9%). 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 Corporation (COF)?
The net margin of Capital One Financial Corporation 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 Corporation (COF)?
The return on equity (ROE) of Capital One Financial Corporation is 3.3% (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 Corporation (COF)?
On an EBIT basis the return on assets of Capital One Financial Corporation is 1.7% (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 Corporation (COF)?
The operating margin of Capital One Financial Corporation is 28.6% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Capital One Financial Corporation (COF)?
Revenue at Capital One Financial Corporation is growing +46.3% versus a year earlier (3y avg +21.7%). 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 Corporation (COF)?
Earnings per share at Capital One Financial Corporation are growing −3.2% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net cash does Capital One Financial Corporation (COF) hold?
Capital One Financial Corporation holds more cash than debt, $6.4B net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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Broad data
Sep 17, 2026