COF Capital One Financial Corporation - Fundamental Analysis
NEUTRAL
COF Stock | Fundamental Analysis & Investment Insights
NYSE
•
Financial Services
•
Credit Services
Current Price
$247.93
Analyst Target
$268.95
+8.5% Upside
52W High
$249.74
52W Low
$143.22
At a glance
Key valuation, profitability, growth, and risk metrics.
AI Analysis
Powered by advanced machine learning algorithms
Confidence Score
72%
Analysis Accuracy
The Advanced Deterministic Scorecard shows a weak Piotroski F-Score of 4/9, indicating borderline financial health, while the Altman Z-Score is astronomically high at 219152624844.8, suggesting no distress risk. Despite strong recent earnings growth and revenue momentum, the stock trades at a steep valuation with a P/E of 84.62, far above sector averages, and weak profitability metrics like ROE of 1.62% and ROA of 0.25% raise concerns. Insider selling activity is substantial, but analyst consensus remains constructive with a 'buy' rating and a target price implying 8.5% upside.
Key Strengths
Exceptionally high Altman Z-Score indicates virtually no bankruptcy risk
Strong year-over-year revenue growth of 67.90% and recent earnings acceleration
Impressive quarterly earnings surprise streak, averaging +31.87% over the last four quarters
Analyst target price of $268.95 suggests 8.5% upside from current levels
Operating margin of 38.72% reflects strong cost control and pricing power
Key Risks
Low Piotroski F-Score of 4/9 signals weak financial health and potential instability
Extremely high P/E ratio of 84.62 vs. sector average of 22.78 indicates significant overvaluation
Very low ROE (1.62%) and ROA (0.25%) suggest poor capital efficiency for a financial firm
High payout ratio of 82.19% threatens dividend sustainability
Insiders have sold $67.08M in shares over the past six months with zero buys
AI Fair Value Estimate
Based on comprehensive analysis
$106.03
-57.2% below current price
Performance Snowflake
Multi-dimensional AI analysis across 5 key categories
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Historical Performance Trends
Long-term financial metrics and growth patterns
Valuation Metrics
Key valuation ratios and pricing indicators
Profitability, Growth & Financial Health
Detailed profit margins, ROE, debt ratios, and liquidity metrics
Sector Comparison & Peer Analysis
Compare COF against industry averages and similar companies
Insider Trading & Analyst Ratings
Track insider transactions and Wall Street analyst recommendations