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COF

Capital One Financial Corporation

US$193.07-1.73% (-US$3.39)
Day's range
US$192.91 – US$197.00
Day's volume
US$616.8m
52-week range
US$174.73 – US$254.96

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COF in numbers

Market cap
US$118.4bn
P/E
11.26
P/B
1.04
Dividend yield (12m)
1.66%

The 12-month dividend yield of COF is 1.66%, below its 5-year average of 1.72%.

COF price history

01/10/202530/09/2026
Compare with

COF risk and return

Monthly closes adjusted for splits and distributions.

Metric12 months36 months60 months
Return-6.07%+112.21%+32.56%
Volatility (annualised)24.19%26.33%30.99%
Largest drawdown-24.44%-24.44%-42.03%
Positive months6/1223/3634/60

How much did investing in COF return?

US$1,000.00 invested on 01/09/2021 would be worth US$1,325.59 today.

Value today in COF
US$1,325.59
Return over the period
+32.56%
Return per year
+5.80%
In the S&P 500
US$1,788.52

With dividends reinvested, before taxes and costs, at month-end closes. Past returns do not guarantee future ones.

COF fundamentals

Valuation

  • P/E
    11.26
  • P/B
    1.04
  • EV/EBITDA
    —
  • EV/EBIT
    —
  • EV/Revenue
    12.03
  • P/EBIT
    —
  • P/S
    11.96
  • P/OCF
    3.77
  • P/FCF
    3.99
  • Earnings yield
    —
  • PEG ratio
    —
  • Earnings per share
    US$17.15
  • Book value per share
    US$185.49

Debt

  • Net debt
    US$694m
  • Net debt/EBITDA
    —
  • Net debt/Equity
    0.01
  • Debt/Equity
    0.01
  • Current ratio
    —
  • Quick ratio
    —
  • Cash ratio
    —

Efficiency

  • Gross margin
    —
  • EBITDA margin
    —
  • Operating margin
    —
  • Net margin
    106.25%
  • Asset turnover
    0.01

Profitability

  • ROE
    9.24%
  • ROA
    1.56%
  • ROIC
    —
  • Payout
    18.66%

Growth

  • Revenue CAGR (5 years)
    18.50%
  • Earnings CAGR (5 years)
    -2.32%
  • Revenue growth (year)
    —
  • Earnings growth (year)
    —
  • Revenue growth (quarter)
    —
  • Earnings growth (quarter)
    —

What is COF's fair price?

Two classic value formulas, with today's numbers. The current price is US$193.07.

Graham's fair price
US$267.52
38.56% above the price

√(22.50 × US$17.15 × US$185.49)

Benjamin Graham paid no more than a P/E of 15 and a P/B of 1.5. Their product, 22.5, times earnings (EPS) and book value per share gives the fair price.

Bazin's ceiling price
US$41.33
78.59% below the price

US$2.48 (5-year average) ÷ 6%

Décio Bazin only bought shares yielding at least 6% a year in distributions. The ceiling price is the average dividend per share of recent years divided by 6%.

Graham ignores growth and debt; Bazin assumes past distributions will repeat. They are reference points for comparison, not a buy recommendation.

COF indicators by year

Multiples at each year's closing price; margins and returns from that year's accounts.

Indicator20252024202320222021202020192018
P/E61.4514.3210.204.814.8416.738.485.88
P/B1.331.120.860.670.980.750.810.68
Dividend yield1.07%1.35%1.83%2.58%1.79%1.01%1.55%2.12%
Earnings per shareUS$3.94US$12.46US$12.85US$19.31US$29.95US$5.91US$12.13US$12.86
Book value per shareUS$182.68US$159.40US$152.78US$137.98US$147.53US$131.10US$126.90US$110.43
ROE2.16%7.81%8.41%14.00%20.30%4.51%9.56%11.64%
Net margin30.43%80.30%86.57%135.87%259.21%72.63%145.18%175.31%

COF financial statements

Line202520242023202220212020
Net revenueUS$8.1bnUS$5.9bnUS$5.6bnUS$5.4bnUS$4.8bnUS$3.7bn
Cost of sales——————
Gross profit——————
EBITDA——————
EBIT——————
Net finance result——————
Profit before taxUS$2.3bnUS$5.9bnUS$6bnUS$9.2bnUS$15.8bnUS$3.2bn
Income tax-US$193m-US$1.2bn-US$1.2bn-US$1.9bn-US$3.4bn-US$486m
Net incomeUS$2.5bnUS$4.8bnUS$4.9bnUS$7.4bnUS$12.4bnUS$2.7bn

Figures the company filed with the CVM. Debt excludes leases; each quarter is that quarter alone.

Does COF pay dividends?

Dividend yield per year

  • 1.61%2017
  • 2.12%2018
  • 1.55%2019
  • 1.01%2020
  • 1.79%2021
  • 2.58%2022
  • 1.83%2023
  • 1.35%2024
  • 1.07%2025
  • 1.24%2026
Payment history
TypeLast day to ownPaymentPer share
Dividend14/08/202601/09/2026US$0.80
Dividend18/05/202601/06/2026US$0.80
Dividend18/02/202602/03/2026US$0.80
Dividend14/11/202501/12/2025US$0.80
Dividend14/08/202502/09/2025US$0.60
Dividend22/05/202505/06/2025US$0.60
Dividend17/02/202503/03/2025US$0.60
Dividend13/11/202422/11/2024US$0.60
Dividend09/08/202423/08/2024US$0.60
Dividend09/05/202424/05/2024US$0.60
Dividend08/02/202423/02/2024US$0.60
Dividend09/11/202324/11/2023US$0.60
See all 40 distributions
Earlier distributions
TypeLast day to ownPaymentPer share
Dividend03/08/202318/08/2023US$0.60
Dividend11/05/202326/05/2023US$0.60
Dividend02/02/202317/02/2023US$0.60
Dividend09/11/202225/11/2022US$0.60
Dividend04/08/202219/08/2022US$0.60
Dividend12/05/202227/05/2022US$0.60
Dividend10/02/202225/02/2022US$0.60
Dividend11/11/202126/11/2021US$0.60
Dividend05/08/202120/08/2021US$1.20
Dividend13/05/202128/05/2021US$0.40
Dividend15/02/202101/03/2021US$0.40
Dividend05/11/202019/11/2020US$0.10
Dividend06/08/202020/08/2020US$0.10
Dividend07/05/202021/05/2020US$0.40
Dividend06/02/202021/02/2020US$0.40
Dividend07/11/201922/11/2019US$0.40
Dividend01/08/201915/08/2019US$0.40
Dividend09/05/201923/05/2019US$0.40
Dividend07/02/201922/02/2019US$0.40
Dividend07/11/201823/11/2018US$0.40
Dividend02/08/201816/08/2018US$0.40
Dividend10/05/201824/05/2018US$0.40
Dividend08/02/201823/02/2018US$0.40
Dividend09/11/201724/11/2017US$0.40
Dividend02/08/201717/08/2017US$0.40
Dividend10/05/201725/05/2017US$0.40
Dividend08/02/201724/02/2017US$0.40
Dividend08/11/201625/11/2016US$0.40

About Capital One Financial

Sector
Finance, insurance and real estate

Questions about COF

How much is COF today?

COF is at US$193.07 (-1.73% on the day), last traded on 30/09/2026.

How much did COF pay in dividends in 2025?

COF paid US$2.60 per share in 2025, a dividend yield of 1.07%.

What are the P/E and P/B of COF?

COF trades at a P/E of 11.26 and a P/B of 1.04.

How much did COF return in 12 months?

COF returned -6.07% in 12 months, with annualised volatility of 24.19% and a largest drawdown of -24.44%.