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COF Capital One

consumer_finance · 2026-10-16

N/A
too hard · 40
Owner-earnings value$168.27
Price$198.86
Margin of safety -15.4%

Quality gate · 40/100

Returns on capital 5.6/30
Consistency 15.8/22
Margins / pricing power 4/16
Balance sheet 9.3/16
Cash conversion 5.0/10
Capital allocation 0/6

⚠ weak through-cycle ROE (8%)

Median ROE8.1%
FCF conversion389%
Share count / yr+17.9%
Profitable years4/4

Moat & management

Owner-earnings inputs

Owner earnings (TTM)10.52B
Owner-earnings yield8.6%
Free-cash-flow yield24.3%
Growth used (normalized)8.0%
Terminal growth3.0%
Discount rate (hurdle)9.8%

⚠ financial — owner earnings ≈ net income · financial — valued by residual income (ROE vs cost of equity on book equity)

History

DateQualityPriceValueMoSRating
2026-10-16 40 $198.86 $168.27 -15.4% N/A
2026-10-05 40 $194.72 $165.85 -14.8% N/A
2026-09-22 40 $204.92 $175.70 -14.3% N/A
2026-09-08 40 $219.60 $181.76 -17.2% N/A
2026-08-25 40 $216.27 $184.59 -14.6% N/A
2026-08-11 40 $218.97 $184.77 -15.6% N/A
2026-07-29 40 $212.41 $68.16 -67.9% N/A
2026-07-16 40 $208.89 $69.51 -66.7% N/A
2026-07-06 40 $205.12 $70.55 -65.6% N/A
2026-07-02 40 $204.82 $69.55 -66.0% N/A
2026-06-29 45 $204.00 $71.35 -65.0% N/A
2026-06-25 45 $200.48 $70.82 -64.7% N/A
2026-06-23 45 $197.81 $69.24 -65.0% N/A