Capital One Financial Corporation (COF-PL)
ValueMarkers Composite Index
95% below intrinsic value ($319)
Capital One Financial Corporation (COF-PL) — VMCI valuation read
Headline read on COF-PL: VMCI of 61/100 versus a Financial Services sector median of 50. The 11-point above-median position is what makes Capital One Financial Corporation a relative-value candidate in the mid-cap cohort, before any pillar-level review.
Form 4 filings on COF-PL: zero in the trailing 30 days. The absence of insider transactions is itself a data point, just a low-information one. The thesis runs on financials and price action until that changes.
**Investor frame.** Three reads on COF-PL: value (COF-PL trades at 19.0x earnings, 6% above the Financial Services median of 18.0x), quality (ROIC of 15.0% sits 5.0pp above the Financial Services median (10.0%)), and risk (net debt to EBITDA of 0.6x leaves covenant headroom). The value read also implies an EV/EBITDA gap of +4.0x against the Financial Services 12.0x baseline.
COF-PL fell 0.2% over the trailing 7 days, with a -15.2% read on a 30-day basis.
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, cafés, 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.
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