COF
CAPITAL ONE FINANCIAL CORPData updated: 2026-04-21 · Current price: $189.48
Composite Score: 43
PASS
Score: 43 / 100
Insufficient margin of safety — pass on this opportunity
Profitability
50
Growth
43
Valuation
33
Moat
25
Stability
60
Business Quality
ROE · Gross Margin · Revenue Growth
ROE
2.2%
Quality threshold: > 15%
Gross Margin
N/A
Quality threshold: > 40%
Rev. Growth (5yr)
15.1%
Quality threshold: > 5%
5-Year ROE: 2.2% → 7.8% → 8.4% → 14.0% → 20.3%|5-Year Gross Margin: 0.0% → 0.0% → 0.0% → 0.0% → 0.0%
Financial Strength
Debt Ratio · Free Cash Flow · Current Ratio
Debt / Equity
4.89
Quality threshold: < 0.5
FCF (5yr avg)
19.6B $
Quality threshold: > 0
Current Ratio
1.2x
Quality threshold: > 1.5
FCF Trend (B USD)
$29.3B2022
$19.4B2023
$21.5B2024
$14.7B2025
$13.0B2026
Valuation
Intrinsic Value · Margin of Safety
Owner Earnings
$0.9B
Net Income + D&A - CapEx
Current Price
$189.48
Source: Alpha Vantage
💡 Valuation Note: Intrinsic value based on DCF model, adjustable above. Visit the DCF Calculator for full three-stage valuation.
Complete Your Analysis
"Price is what you pay. Value is what you get."
— Warren Buffett