Capital One Financial Corporation (COF)
NYSE · Financials · market cap 116.95B
Share price
$202.04
At the last nightly close
Intrinsic value
$183.35
A single conservative estimate.
Margin of safety
-9.3%
($183.35 − $202.04) ÷ $202.04
EV / EBIT
n/a
Not ranked: financial sector.
How these numbers are computed
The valuations are calculated in Python from filed accounts, not written by a language model. Three methods run side by side: earnings power value, which capitalises a normalised operating profit; a free-cash-flow model; and the Graham Number as an asset-side cross-check. The conservative figure above is the low end of what they agree on.
The frame gives no credit for growth. A company that compounds will therefore read as expensive against it — that is deliberate. It is a price-discipline floor, not a price target, and it is not a view on what the shares will do.
The EV/EBIT ranking uses the median operating profit of up to fifteen fiscal years — a full cycle — where the free screeners use the last twelve months. When the data cannot support a method, the figure reads n/a rather than a number: a free-cash-flow valuation on a bank, a PEG on erratic earnings, a multiple on a company with no operating profit to speak of.
Fundamentals from SEC EDGAR. Prices, market data and technicals from yfinance. Valuation computed 2026-08-23.
Key metrics
Market position
Annual financials
| Period | Revenue | Operating income | Net income | EPS | Free cash flow |
|---|---|---|---|---|---|
| 2025-FY | 53.43B | n/a | 2.45B | 4.03 | 26.14B |
| 2024-FY | 39.11B | n/a | 4.75B | 11.61 | 16.95B |
| 2023-FY | 36.79B | n/a | 4.89B | 11.98 | 19.61B |
| 2022-FY | 34.25B | n/a | 7.36B | 17.98 | 12.88B |
| 2021-FY | 30.43B | n/a | 12.39B | 26.94 | 11.61B |
Filed figures from SEC EDGAR, in the reporting currency.
Next earnings
Recent news
- COF Stock 2026 Outlook: Payments Push Could Help It Rival V and MAmarketbeat.com
- Capital One Financial (NYSE:COF) Earnings Beat Highlights Quality Growth Amid Credit Improvement | ChartMill.comchartmill.com
- COF Stock | Capital One Financial Corporation Q1 2025 Earnings Callyoutube.com
- Capital One Financial Stock Price | COF Stock Quote, News, and History | Markets Insidermarkets.businessinsider.com
- Capital One Financial Corporation (COF) Stock Price, News, Quote & History - Yahoo Financefinance.yahoo.com
Headlines link to their source. Sperio does not republish article text.
The figures above are the arithmetic. To see what a board of eight AI agents makes of them — macro, sector, filings, news and a devil's advocate whose only job is to attack the thesis — run the full analysis on COF.
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This page presents computed figures and filed financial data for information only. It is not investment advice, not a recommendation to buy or sell any security, and not a statement about what these shares will do. Sperio is a research tool, not an investment adviser. Figures are derived automatically from public filings and market data and may be incomplete, out of date or wrong. See the Terms & Disclaimer.