COF Capital One Financial Corporation
Financial Services
Price
$220.43
Intrinsic value
$169.08
Buy price
$135.27
Discount
-30.4%
DCF walkthrough
This ticker is valued with the excess-return model (bank/insurer/lender), not the operating-cash-flow DCF, so growth-rate and years-of-growth sliders don't apply - only the discount rate (used as cost of equity) and margin of safety do.
Discount rate9.00%
Margin of safety20.00%
- Operating CF
- $31,452,000,000.00
- Total debt
- $48,994,000,896.00
- Cash & STI
- $56,639,000,576.00
- Shares out.
- 621,100,000
Overvalued
Intrinsic value$169.15
Buy price (with MOS)$135.32
Current price$220.43
Discount to intrinsic value-30.3%
7-step quality scorecard
ROE quality
LOW- Average ROE
- 8.1%
- Current ROE
- 2.2%
- Minimum ROE
- 2.2%
Debt quality
CONSERVATIVE- Debt / Equity
- 0.43x
Moat proxy
WEAK_PROXYCash-flow reliability
NOT_APPLICABLE- Operating CF / Net income
- 3.20x
Technical chart
Confluence: DOWNTREND (1/3)Weekly candles, ~3 years. Yellow line: 10-week EMA. Dashed lines: Fibonacci retracement of the last 52-week swing. Green arrow: an active DR1 support reclaim.
Assumptions & data quality
- Data source
- yfinance
- Growth (g1) source
- revenueCAGR
- Valuation model
- EXCESS_RETURN
- Debt as % of DCF PV
- 14%
- Public economic interest
- 100.0%
These are model outputs built on assumptions (growth rate, discount rate, margin of safety), not facts - trust but verify, especially for LOW cash-flow-reliability or UNKNOWN-quality rows.