Capital One Financial Corporation

COF

Financial - Credit Services · Financial Services

Also trades as: 0HT4.L

Price

$217.91

+5.43 (+2.56%)

Market Cap

$133.68B

Exchange

New York Stock Exchange

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

Data as of Aug 23, 2026 · filings through Jun 30, 2026

How the score breaks down

Quality

Strong

Growth

Strong

Cash Flow

Exceptional

Stability

Mixed

Valuation

Strong

Dividends

Good

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Share count rising — dilution

+21.9% over 4y

The company has issued more shares over this period, which dilutes each existing shareholder’s stake.

Diluted shares outstanding: 444.2M (2021) → 541.3M (2025)

Winston Score History

The full picture

Capital One is a bank that specializes in credit cards, auto loans, and basic banking accounts like checking and savings. It serves everyday consumers and small businesses across the United States, and it is one of the largest credit card issuers in the country. The company owns well-known card brands and is recognized for its heavy use of data and technology to decide who gets approved for credit.

Capital One makes money primarily by charging interest on credit card balances and loans, plus fees on its banking products. It operates mainly in the United States, with some presence in Canada and the United Kingdom, and reported a market cap near $117 billion. Its main competitive edge is its data-driven approach to credit risk, which helps it target customers more precisely than traditional banks. A key risk is that if the economy weakens and more borrowers stop repaying their debts, loan losses could rise sharply and hurt profits.

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Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+21.0% YoY

YoY Growth Rate

Steady revenue growth

EPS Growth

+155.1% YoY

YoY Growth Rate

EPS growth accelerating

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

0.9%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

$620.1B cash & investments

Quarterly Free Cash Flow

→ Burn rate stable

Company generates more cash than it spends — no dilution risk from fundraising

Growth + cash flow

Capital One Financial Corporation is a rare growth stock that's already generating positive cash flow while growing at 21%. The Winston Score doesn't fully credit this transition from "burner" to "earner."

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

Each metric is explained in plain language so you know exactly what you're looking at. Start your free trial now.

Quality

Profit per sale

Gross Margin

85.0%

Premium pricing power — 85.0% gross margin

Profit after running costs

Operating Margin

37.0%

Excellent — 37.0% operating margin

Return on the money invested

ROCE

10.4%

Below par — 10.4% return on capital

ROIC between 5% and 15%. They earn 5 to 15 cents back per year on every dollar invested.

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Growth

Sales growth

Sales YoY

+36.9%

Fast-growing sales (+36.9% YoY)

Profit growth

EPS YoY

+720.3%

Earnings growing fast (+720.3% YoY)

Earnings growing 25%+ a year. The compounder zone.

How steady the profit is

EPS Consistency

5/8 quarters

Mixed — about half the quarters showed growth

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Cash Flow

Profit that turns into cash

Cash Conversion

299%

Turns 299% of profit into real cash

Spare cash per sale

FCF Margin

36.7%

Converts sales into free cash efficiently (36.7%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

What it owes vs what it owns

Debt / Equity

0.40

Conservative — low debt load (0.40)

Covers its interest

Interest Cover

0.99x

Dangerous — barely covers interest (1.0x)

Interest coverage below 1. Their profits don't cover the interest bill.

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Valuation

Price vs profit

P/E Ratio (TTM)

13.5x

Attractive valuation — P/E 13.5

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year

P/E vs Forward

+4.1

GROWING

Earnings expected to grow meaningfully — cheaper on forward P/E (13.5 → 9.4)

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Dividends

Dividend

Dividend Yield

1.34%

Small dividend — 1.34% yield

Modest yield. The bulk of any return needs to come from price appreciation.

Dividend record

Dividend Growth

+33.3%

Dividend growing fast (33.3% YoY)

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