Capital One Financial Corp Stock Research

Market Summary

USD102.85+2.93

Market Closed

2.93%

COF Alerts

Big jump in Revenue (Y/Y)
Big jump in Earnings (Y/Y)

COF Stock Price

COF RSI Chart

COF Valuation

Market Cap

39.3B

Price/Earnings (Trailing)

12.7

Price/Sales (Trailing)

1.15

EV/EBITDA

-0.2

Price/Free Cashflow

2.46

COF Price/Sales (Trailing)

COF Profitability

EBT Margin

29.58%

Return on Equity

14%

Return on Assets

1.62%

Free Cashflow Yield

40.57%

COF Fundamentals

COF Revenue

Revenue (TTM)

34.2B

Revenue Y/Y

43.78%

Revenue Q/Q

6.51%

COF Earnings

Earnings (TTM)

3.1B

Earnings Y/Y

146.51%

Earnings Q/Q

-22.08%

Price Action

52 Week Range

83.93127.47

(Low)(High)

Last 7 days

5.0%

Last 30 days

8.9%

Last 90 days

-6.2%

Trailing 12 Months

-16.4%

COF Financial Health

Debt/Equity

1.03

Debt/Cashflow

0.26

COF Investor Care

Dividend Yield

2.33%

Dividend/Share (TTM)

2.4

Buy Backs (1Y)

4.25%

Diluted EPS (TTM)

14.54

Peers (Alternatives to Capital One Financial)

View All Peers In Detail

Name	Mkt Capsorted ascending	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
LARGE-CAP
AXP	116.8B	44.7B	0.98%	-4.20%	16.16	2.61	21.11%	-8.75%
COF	39.3B	34.2B	8.93%	-16.37%	12.7	1.15	30.10%	-55.86%
DFS	27.5B	14.2B	1.17%	-6.03%	6.66	1.94	32.25%	-19.07%
SYF	13.2B	17.6B	6.04%	-10.98%	4.93	0.75	13.78%	-34.96%
MID-CAP
ALLY	8.0B	11.6B	4.22%	-35.07%	5.81	0.69	30.73%	-52.79%
CACC	5.7B	1.8B	-6.01%	-23.38%	13.58	3.12	-1.62%	-56.62%
OMF	4.6B	4.4B	-0.96%	-6.68%	6.06	1.03	1.07%	-37.21%
FCFS	4.5B	2.8B	1.77%	36.78%	16.46	1.59	45.16%	128.93%
SLM	3.9B	2.2B	9.21%	-15.96%	8.57	1.75	22.06%	-30.04%
NNI	3.4B	1.1B	-0.46%	11.31%	8.44	2.76	-3.12%	-45.83%
SMALL-CAP
ENVA	1.5B	1.8B	12.31%	52.26%	7.12	0.8	37.43%	-11.56%
ECPG	1.1B	1.2B	-7.59%	-22.17%	29.15	0.9	-28.64%	-91.33%
LC	874.7M	631.4M	15.62%	-42.39%	3.02	1.39	-11.56%	1459.12%
WRLD	687.8M	621.6M	14.33%	-22.72%	49.23	1.11	10.55%	-82.63%
TREE	243.6M	902.3M	-14.96%	-66.98%	-1.49	0.27	-18.63%	-517.10%

Financials for Capital One Financial

* denotes actual numbers (not divided by Millions)
Income Statement (Last 12 Months)					(In Millions)
Description	(%) Q/Q	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1
Revenue	9.5%	34,207	31,237	28,910	27,248	26,292
EBITDA	-1.9%	39,564	40,342	41,464	42,769	-
EBITDA Margin	-9.2%	1.27*	1.40*	1.61*	1.63*	-
Earnings Before Taxes	-19.3%	7,458	9,240	10,755	12,554	14,558
EBT Margin	-20.5%	0.30*	0.37*	0.49*	0.55*	-
Interest Expenses	2.8%	27,114	26,367	25,520	24,746	-
Net Income	-58.0%	3,094	7,360	1,263	2,673	7,010
Net Income Margin	439.3%	0.24*	0.04*	0.39*	0.44*	-
Free Cahsflow	35.9%	12,875	9,476	8,711	9,845	-

Balance Sheet					(In Millions)
Description	(%) Q/Q	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1
Assets	3.6%	471,660	455,249	444,232	440,288	434,195
Cash Equivalents	50.3%	46,973	31,256	25,291	22,250	27,085
Net PPE	0.3%	4,365	4,351	4,265	4,238	4,238
Goodwill	0.0%	14,779	14,777	14,771	14,778	14,784
Liabilities	3.6%	417,007	402,667	393,371	386,878	377,850
. Short Term Borrowings	20.0%	528	440	4,594	-	-
Long Term Debt	-7.6%	54,079	58,498	40,764	-	-
Shareholder's Equity	3.9%	54,653	52,582	50,861	53,410	56,345
Retained Earnings	1.2%	57,898	57,184	56,240	54,836	53,099
Additional Paid-In Capital	0.7%	34,952	34,725	34,579	34,425	34,286
Shares Outstanding	0.2%	382	381	382	384	399

Cashflow (Last 12 Months)					(In Millions)
Description	(%) Q/Q	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1
Cashflow From Operations	22.2%	16,880	13,809	10,314	9,491	10,595
Share Based Compensation	15.0%	361	314	299	297	319
Cashflow From Investing	-16.0%	-34,505	-29,738	-34,746	-36,312	-37,000
Cashflow From Financing	49.3%	37,513	25,131	22,865	13,983	1,216
Dividend Payments	-1.8%	933	950	973	1,270	1,215
Buy Backs	-45.2%	2,710	4,948	7,443	9,834	9,514

Risks for COF

What is the probability of a big loss on COF?

67.3%

Probability that Capital One Financial stock will be more than 20% underwater in next one year

40.4%

Probability that Capital One Financial stock will be more than 30% underwater in next one year.

28.1%

Probability that Capital One Financial stock will be more than 40% underwater in next one year.

*Calculated based on probability distribution of losses observed in actual data in the last 5 years.

How does COF drawdown profile look like?

Y-axis is the maximum loss one would have experienced if Capital One Financial was unfortunately bought at previous high price.

Drawdowns

Returns for COF

Cumulative Returns on COF

7.0%

10-Year Cumulative Returns

6.6%

7-Year Cumulative Returns

3.2%

5-Year Cumulative Returns

17.6%

3-Year Cumulative Returns

What are the long-term rolling returns for COF?

FIve years rolling returns for Capital One Financial.

Annualized Returns

Which funds bought or sold COF recently?

View All Details

Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
2023-05-24	Old North State Trust, LLC	unchanged	-	2,000	76,000	0.05%
2023-05-23	Brookfield Corp /ON/	reduced	-48.15	-723,905	837,265	-%
2023-05-23	Front Row Advisors LLC	sold off	-100	-4,000	-	-%
2023-05-23	Seaport Global Advisors, LLC	unchanged	-	3,984	119,719	0.38%
2023-05-23	Toroso Investments, LLC	added	141	3,316,000	5,522,000	0.09%
2023-05-23	MOUNTAIN PACIFIC INVESTMENT ADVISERS INC/ID	unchanged	-	14,234	427,720	0.03%
2023-05-22	AMERIPRISE FINANCIAL INC	reduced	-54.54	-119,501,000	106,080,000	0.04%
2023-05-22	Raleigh Capital Management Inc.	new	-	2,981	2,981	-%
2023-05-22	FDx Advisors, Inc.	unchanged	-	-	1,297,000	0.06%
2023-05-22	PUTNAM INVESTMENTS LLC	added	0.36	9,252,460	251,736,000	0.40%

Latest Funds Activity

Are funds buying COF calls or puts?

Calls

Puts

Are funds bullish or bearish(Calls - Puts)?

Net Call Options

No. of funds that own COF

No. of Funds

Capital One Financial News

Schedule 13G FIlings of Capital One Financial

Date Filed	Name of Filer	Percent of Class	No. of Shares	Form Type
Feb 14, 2023	dodge & cox	9.3%	35,372,196	SC 13G/A
Feb 13, 2023	capital world investors	4.5%	17,145,460	SC 13G/A
Feb 09, 2023	vanguard group inc	8.19%	31,257,286	SC 13G/A
Feb 07, 2023	blackrock inc.	7.4%	28,102,666	SC 13G/A
Feb 14, 2022	dodge & cox	7.7%	32,790,861	SC 13G/A
Feb 11, 2022	capital world investors	5.2%	22,078,839	SC 13G
Feb 09, 2022	fmr llc	-	0	SC 13G/A
Feb 09, 2022	vanguard group inc	7.74%	32,936,595	SC 13G/A
Feb 01, 2022	blackrock inc.	8.0%	34,093,510	SC 13G/A
Feb 16, 2021	capital world investors	4.7%	21,653,857	SC 13G/A

COF Fair Value

Capital One Financial fair value in different scenarios

The table shows the Fair Value estimates for Capital One Financial for various scenarios. Disclaimer: These are just estimations from a model. None of the models are good at predicting the future. Please dont buy or sell stocks based on these outputs.

Fair Value	Very Pessimistic	Pessimistic	Base Case	Optimistic	Very Optimistic
Very Low Inflation	146.02 41.97%	182.68 77.62%	296.25 188.04%	403.62 292.44%	479.10 365.82%
Current Inflation	134.50 30.77%	166.23 61.62%	262.65 155.37%	353.09 243.31%	416.14 304.61%
Very High Inflation	120.12 16.79%	146.06 42.01%	222.88 116.70%	294.24 186.09%	343.44 233.92%

Historical Capital One Financial Fair Value Estimates

Very Pessimistic Case

Pessimistic Case

Fair Value

Optimistic Case

Very Optimistic Case

Closing Stock Price

Recent SEC filings of Capital One Financial

View All Filings

Date Filed	Form Type	Document
May 23, 2023	S-8	Employee Benefits Plan
May 12, 2023	8-K	Current Report
May 09, 2023	8-K	Current Report
May 09, 2023	8-K	Current Report
May 08, 2023	4	Insider Trading
May 08, 2023	8-K	Current Report
May 08, 2023	4	Insider Trading
May 08, 2023	4	Insider Trading
May 08, 2023	4	Insider Trading
May 08, 2023	4	Insider Trading

Latest Insider Trading transactions for COF

Filter Transactions

Datesorted ascending	Name	Buy/Sell	$ Value	Avg. Price	# Shares	Title
2023-05-04	Detrick Christine Rose	acquired	-	-	2,453	-
2023-05-04	williams craig a.	acquired	-	-	2,453	-
2023-05-04	WARNER BRADFORD H	acquired	-	-	2,453	-
2023-05-04	SHATTUCK MAYO A III	acquired	-	-	2,453	-
2023-05-04	Archibong Ime	acquired	-	-	2,453	-
2023-05-04	Leenaars Cornelis PAJ	acquired	-	-	2,453	-
2023-05-04	RASKIND PETER E	acquired	-	-	2,453	-
2023-05-04	Serra Eileen	acquired	-	-	2,453	-
2023-05-04	HACKETT ANN F	acquired	-	-	2,453	-
2023-05-04	Locoh-Donou Francois	acquired	-	-	2,453	-

About Capital One Financial

Richard D. Fairbank

www.capitalone.com

50800

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, cafÃƒÂ©s, 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.

COF Income Statement

2023-03-31

CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Millions	3 Months Ended
CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Millions	Mar. 31, 2023	Mar. 31, 2022
Interest income:
Loans, including loans held for sale	$ 8,723	$ 6,367
Investment securities	615	402
Other	416	15
Total interest income	9,754	6,784
Interest expense:
Deposits	1,856	218
Securitized debt obligations	211	29
Senior and subordinated notes	489	131
Other borrowings	12	9
Total interest expense	2,568	387
Net interest income	7,186	6,397
Change in estimated partner reimbursements that decreased/(increased) provision for credit losses	2,795	677
Net interest income after provision for credit losses	4,391	5,720
Non-interest income:
Interchange fees, net	1,139	1,033
Service charges and other customer-related fees	379	400
Other	199	343
Total non-interest income	1,717	1,776
Non-interest expense:
Salaries and associate benefits	2,427	2,026
Occupancy and equipment	508	513
Marketing	897	918
Professional services	324	397
Communications and data processing	350	339
Amortization of Intangibles	14	14
Other	425	344
Total non-interest expense	4,945	4,551
Income (loss) from continuing operations before income taxes	1,163	2,945
Income tax provision (benefit)	203	542
Income from continuing operations, net of tax	960	2,403
Net income	960	2,403
Dividends and undistributed earnings allocated to participating securities	(16)	(28)
Preferred stock dividends	(57)	(57)
Net income available to common stockholders	$ 887	$ 2,318
Net income per basic common share	$ 2.32	$ 5.65
Diluted earnings per common share:
Net income per diluted common share	$ 2.31	$ 5.62

COF Balance Sheet

2023-03-31

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Millions	Mar. 31, 2023	Dec. 31, 2022
Cash and cash equivalents:
Cash and due from banks	$ 3,347	$ 5,193
Interest-bearing deposits and other short-term investments	43,166	25,663
Total cash and cash equivalents	46,513	30,856
Restricted cash for securitization investors	460	400
Securities available for sale (amortized cost of $90.8 billion and $87.0 billion and allowance for credit losses of $2 million and $3 million as of March 31, 2023 and December 31, 2022, respectively)	81,925	76,919
Loans held for investment:
Total loans held for investment	308,836	312,331
Allowance for credit losses	(14,318)	(13,240)
Net loans held for investment	294,518	299,091
Loans held for sale ($358 million and $191 million carried at fair value as of March 31, 2023 and December 31, 2022, respectively)	363	203
Premises and equipment, net	4,365	4,351
Interest receivable	2,250	2,104
Goodwill	14,779	14,777
Other assets	26,487	26,548
Total assets	471,660	455,249
Liabilities:
Interest payable	621	527
Deposits [Abstract]
Non-interest-bearing deposits	31,186	32,203
Interest-bearing deposits	318,641	300,789
Total deposits	349,827	332,992
Securitized debt obligations	17,813	16,973
Other debt:
Federal funds purchased and securities loaned or sold under agreements to repurchase	542	883
Senior and subordinated notes	30,398	30,826
Other borrowings	24	33
Total other debt	30,964	31,742
Other liabilities	17,782	20,433
Total liabilities	417,007	402,667
Commitments, contingencies and guarantees (see Note 13)
Stockholders’ equity:
Preferred stock (par value $0.01 per share; 50,000,000 shares authorized; 4,975,000 shares issued and outstanding as of both March 31, 2023 and December 31, 2022)	0	0
Common stock (par value $0.01 per share; 1,000,000,000 shares authorized; 693,333,206 and 690,334,422 shares issued as of March 31, 2023 and December 31, 2022, respectively; 382,030,281 and 381,318,702 shares outstanding as of March 31, 2023 and December 31, 2022, respectively)	7	7
Additional paid-in capital, net	34,952	34,725
Retained earnings	57,898	57,184
Accumulated other comprehensive loss	(8,540)	(9,916)
Treasury stock, at cost (par value $0.01 per share; 311,302,925 and 309,015,720 shares as of March 31, 2023 and December 31, 2022, respectively)	(29,664)	(29,418)
Total stockholders’ equity	54,653	52,582
Total liabilities and stockholders’ equity	471,660	455,249
Unsecuritized loans held for investment
Loans held for investment:
Total loans held for investment	280,093	283,282
Loans held in consolidated trusts
Loans held for investment:
Total loans held for investment	28,743	29,049
Total assets	30,712	31,045
Other debt:
Total liabilities	$ 18,599	$ 17,908