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Earnings transcript
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COF
Capital One Financial Corporation
$197.81
-2.89
(-1.44%)
| Exchange: | NYSE |
| Market Cap: | 123.096B |
| Shares Outstanding: | 198.333M |
Delayed data
About The Company
| Sector: | Financial Services | |||||
| Industry: | Financial – Credit Services | |||||
| CEO: | Richard D. Fairbank | |||||
| Full Time Employees: | 76300 | |||||
| Address: |
| |||||
| Website: | https://www.capitalone.com |
Capital One Financial Corporation, identified by its ticker COF, operates as a prominent financial services holding company. It oversees essential subsidiaries such as Capital One Bank (USA), National Association, and Capital One, National Association, which collectively offer a broad spectrum of financial products and services throughout the United States, Canada, and the United Kingdom. The company structures its extensive operations into three core divisions: Credit Card, Consumer Banking, and Commercial Banking. Clients can utilize various deposit instruments, including checking accounts, money market accounts, negotiable order of withdrawal (NOW) accounts, savings accounts, and time deposits. Capital One’s lending solutions are equally comprehensive, encompassing credit card financing, personal auto and retail banking loans, as well as significant commercial and multifamily real estate loans, and broader commercial and industrial credit facilities. Furthermore, the corporation provides credit and debit card issuance, robust online direct banking capabilities, and specialized treasury management and custodial services. Capital One serves a diverse clientele that includes individual consumers, small enterprises, and large commercial entities. It reaches these customers through a multi-channel approach, leveraging digital platforms, traditional physical branches, innovative café locations, and other distribution points, particularly within key states like New York, Louisiana, Texas, Maryland, Virginia, New Jersey, and California. Established in 1988, Capital One Financial Corporation maintains its primary executive offices in McLean, Virginia.
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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 49,484,000 | 53,938,000 | 69,252,000 |
| Gross Profit | 26,361,000 | 27,396,000 | 32,779,000 |
| EBITDA | 9,271,000 | 9,147,000 | 7,541,000 |
| Operating Income | 6,045,000 | 5,910,000 | 2,281,000 |
| Net Income | 4,887,000 | 4,750,000 | 2,453,000 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 478,464,000 | 490,144,000 | 669,009,000 |
| Total Liabilities | 420,375,000 | 429,360,000 | 555,393,000 |
| Total Stockholders Equity | 58,089,000 | 60,784,000 | 113,616,000 |
| Total Debt | 49,856,000 | 45,551,000 | 0 |
| Cash and Cash Equivalents | 43,297,000 | 43,230,000 | 3,031,000 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 20,575,000 | 18,159,000 | 27,718,000 |
| Capital Expenditure | -961,000 | -1,204,000 | 0 |
| Free Cash Flow | 19,614,000 | 16,955,000 | 27,718,000 |
| Net Income | 4,887,000 | 4,750,000 | 2,453,000 |
| Net Change in Cash | 12,499,000 | -84,000 | 0 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2029 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 74,978,590.488 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 78,579,074.936 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 77,024,830.328 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 20,881,051.779 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 21,883,763.376 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 21,450,916.320 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 20,472,393.664 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 21,760,958.317 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 21,204,713.023 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 21,569,695.092 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 22,605,475.455 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 22,158,353.389 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 39.170 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 40.200 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 37.820 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 4 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 2 | Full Access | Full Access | Full Access | Full Access |
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Current Key Metrics
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Login — it's freeForward P/E Ratios
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Login — it's freeSWOT Analysis
Strengths (preview)
- Strong Stock Performance and Market Confidence: COF shares have risen 38.9% over the past year and hit an all-time high of $210.67, reflecting investor optimism, particularly around the Discover Financial Services (DFS) acquisition, which was approved by over 99.8% of shareholders.
- Robust Financial Metrics: Q3 2024 net income reached $1.8 billion, with a full-year 2024 net income of $4.75 billion. The company maintains a strong liquidity coverage ratio over 150% and $140 billion in reserves, ensuring depositor confidence and financial stability.
- Consistent Revenue Growth: Revenue increased from $36.79 billion in 2023 to $39.11 billion in 2024, supported by diverse income streams such as interchange fees ($4.88 billion in 2024). This growth aligns with steady operating cash flow, reaching $18.16 billion in 2024.
- Attractive Valuation and Returns: COF's current P/E ratio of 14.55 and forward P/E for 2025 at 11.81 suggest the stock is reasonably valued with potential for further appreciation. A dividend yield of 1.3% and consistent quarterly dividends ($0.60 per share) enhance shareholder returns.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates COF intrinsic value between $241.67 – $650.37 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
[intrinsic_calculator]
Common questions about COF valuation
Is Capital One Financial Corporation (COF) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for Capital One Financial Corporation (COF) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is COF a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether COF trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is COF’s P/E ratio?
You can see COF’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for COF?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is COF a good long-term investment?
Whether COF fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
COF
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Daily snapshot
-1.44
Trading Metrics:
| Open: | 198.28 | Previous Close: | 200.7 | |
| Day Low: | 196.53 | Day High: | 200.7 | |
| Year Low: | 174.24 | Year High: | 259.64 | |
| Price Avg 50: | 190.62 | Price Avg 200: | 209.55 | |
| Volume: | 3.21M | Average Volume: | 4.693M |
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Login — it's freeCOF full analysis
Welcome to MARKETSNAP’s SWOT analysis for Capital One Financial Corporation, or COF as it’s known on the ticker. If you’re a long-term investor looking to build wealth, you’ve likely come across this giant in the financial services space. Today, we’re diving deep into what makes Capital One tick, breaking down its strengths, weaknesses, opportunities, and threats, while keeping an eye on both short-term trends and long-term potential. Let’s unpack this together and see if Capital One deserves a spot in…
