US · COF
Capital One Financial Corporation
- Sector
- Financial Services · Financial - Credit Services
- Headquarters
- McLean, VA 22102
- Website
- capitalone.com
Price · as of 2025-12-31
$191.91
Market cap 124.37B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $127.60 | -33.51% |
| Intrinsic Value(DCF) | $3,351.11 | +1,646.19% |
| Graham-Dodd Method(GD) | $131.04 | -31.72% |
| Graham Formula(GF) | $160.13 | -16.56% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $39.33 | $50.62 | $60.41 | $66.84 | $37.67 |
| 2012 | $42.94 | $52.13 | $67.84 | $77.17 | $213.65 |
| 2013 | $60.51 | $43.57 | $67.49 | $69.57 | $92.31 |
| 2014 | $65.54 | $47.81 | $71.73 | $74.63 | $54.91 |
| 2015 | $59.44 | $44.76 | $76.86 | $70.96 | $95.10 |
| 2016 | $78.85 | $49.51 | $82.51 | $72.01 | $131.46 |
| 2017 | $87.81 | $58.19 | $86.97 | $58.72 | $68.52 |
| 2018 | $72.18 | $53.49 | $96.30 | $107.58 | $176.24 |
| 2019 | $74.23 | $62.22 | $114.91 | $118.83 | $164.50 |
| 2020 | $121.12 | $99.08 | $120.36 | $104.89 | $13.04 |
| 2021 | $120.98 | $115.75 | $154.27 | $196.31 | $259.79 |
| 2022 | $93.32 | $99.82 | $130.72 | $138.55 | $484.81 |
| 2023 | $133.39 | $122.12 | $198.43 | $130.95 | $458.41 |
| 2024 | $170.84 | $123.42 | $745.94 | $136.07 | $207.76 |
| 2025 | $194.32 | $127.60 | $2,057.23 | $131.04 | $160.13 |
AI valuation
Our deep-learning model estimates Capital One Financial Corporation's (COF) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $127.60
- Current price
- $191.91
- AI upside
- -33.51%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$3,351.11
+1,646.19% upside
Graham-Dodd
$131.04
-31.72% upside
Graham Formula
$160.13
-16.56% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| COF | Capital One Financial Cor… | $191.91 | 124.37B | -34% | +1,646% | -32% | -17% | 42.83 | 0.92 | 1.52 | 1.46 | — | 1.53 | 47.33% | 3.29% | 3.54% | 2.81% | 5.79% | 0.42% | 0.00 | 0.07 | — | — | -0.40 | -7101.00% | 2839.00% | 5417.00% | 24.88% | — | 66.36% | 1.68% | 72.10% | 10.68% | 4.82 | 0.42 | 0.16 | 0.54 |
| BAC | Bank of America Corporati… | $49.83 | 363.88B | -30% | -32% | -34% | -48% | 12.02 | 1.21 | 1.94 | -6.31 | 64.53 | 1.57 | 55.42% | 18.48% | 16.23% | 10.19% | 371.61% | 0.91% | 1.21 | 0.44 | 0.42 | 0.42 | 3.66 | 1863.00% | -191.00% | -24325.00% | 3.44% | 0.00 | 153.03% | 2.61% | 31.30% | 70.57% | -6.62 | -18.31 | -1.22 | -0.26 |
| HOOD | Robinhood Markets, Inc. | $75.85 | 68.29B | -10% | +101% | -73% | +61% | 37.17 | 7.65 | 15.65 | 35.26 | 118.35 | 8.14 | 73.31% | 46.81% | 42.10% | 21.99% | 17.44% | 5.85% | 1.68 | — | 1.00 | 1.00 | 5.08 | 3141.00% | 5158.00% | -105471.00% | 2.32% | 0.06 | 15.13% | 0.00% | 0.00% | 0.93% | 36.94 | 47.67 | 17.30 | 1.67 |
| PGR | The Progressive Corporati… | $213.66 | 125.29B | -23% | -42% | -54% | +94% | 18.15 | 6.01 | 2.04 | 7.51 | 15.27 | 6.58 | 27.74% | 14.22% | 11.26% | 36.98% | -21.55% | 8.72% | 0.27 | 38.40 | — | — | 0.60 | 11884.00% | 2136.00% | 4275.00% | 9.64% | — | -37.70% | 0.44% | 8.00% | 0.89% | 7.90 | 5.71 | 1.12 | 2.78 |
| SAN | Banco Santander, S.A. | $12.36 | 182.47B | +169% | -61% | -1% | -94% | 11.23 | 1.54 | 1.32 | 28.35 | 86.47 | 1.85 | 40.05% | 15.58% | 11.76% | 13.98% | 3.07% | 0.76% | 4.47 | 0.31 | 2.57 | 0.00 | 21.11 | 1299.00% | -771.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 33.17 | — | 5.17 | 0.39 |
| SPGI | S&P Global Inc. | $441.88 | 133.8B | -6% | -48% | — | -48% | 28.02 | 4.32 | 8.81 | 19.17 | 149.80 | -6.28 | 70.25% | 42.24% | 29.15% | 14.97% | 11.52% | 7.94% | 0.45 | 22.57 | 0.82 | 0.69 | 1.62 | 1870.00% | 794.00% | -196.00% | 4.04% | 0.74 | 12.54% | 0.87% | 24.30% | 4.57% | 22.76 | 27.03 | 9.61 | 4.35 |
| TD | The Toronto-Dominion Bank | $97.36 | 164B | +109% | -38% | -59% | -52% | 11.01 | 1.77 | 1.95 | 28.09 | 7.60 | 2.14 | 49.01% | 20.67% | 17.73% | 16.90% | 3.47% | 0.99% | 5.19 | 0.44 | 0.12 | 0.12 | 20.93 | 14492.00% | -280.00% | -23607.00% | -31.75% | -0.04 | -12.14% | 3.39% | 37.30% | 12.60% | 30.64 | -10.22 | 6.33 | -0.61 |
| UBS | UBS Group AG | $41.43 | 130.91B | +65% | -41% | -13% | — | 16.88 | 1.15 | 1.76 | 5.25 | 73.30 | 1.25 | 63.65% | 11.89% | 10.43% | 7.02% | 5.01% | 0.39% | 3.82 | 0.33 | 0.42 | 0.42 | 14.12 | 2303.00% | -2043.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 7.14 | — | 0.85 | -0.27 |
About Capital One Financial Corporation
Capital One Financial Corporation operates as the financial services holding company for the Capital One Bank (USA), National Association; and Capital One, National Association, which provides 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, and time deposits. Its loan products include credit card loans; auto and retail banking loans; and commercial and multifamily real estate, and commercial and industrial loans. The company also offers credit and debit card products; online direct banking services; and 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 California. Capital One Financial Corporation was founded in 1988 and is headquartered in McLean, Virginia.
- CEO
- Richard D. Fairbank
- Employees
- 53.9K
- Beta
- 1.12
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($3,351.11 ÷ $191.91) − 1 = +1,646.19% (DCF, example).