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Market Price

101.16 

-3.14 -3.0%

as of Jan 27 '20

52 Week Range:

76.82 107.59


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Capital One Financial Corporation operates as the bank 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, the United Kingdom, and Canada. It operates through three segments: Credit Card, Consumer Banking, and Commercial Banking. The company offers non-interest-bearing and interest-bearing deposits, such as checking accounts, money market deposit accounts, negotiable order of withdrawals, savings deposits, and time deposits. It also provides credit card loans; auto, home, and retail banking loans; and commercial and multifamily real estate, commercial and industrial, and small-ticket commercial real estate loans. In addition, the company 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 the Internet and mobile banking, as well as through Cafés, ATMs, and branches located in New York, Louisiana, Texas, Maryland, Virginia, New Jersey, and the District of Columbia. Capital One Financial Corporation was founded in 1988 and is headquartered in McLean, Virginia.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Equity (BVPS) 58.42
58.07
63.87
69.56
72.90
79.54
90.44
100.39
103.30
108.27
growth rate -0.6% 10.0% 8.9% 4.8% 9.1% 13.7% 11.0% 2.9% 4.8%
Earnings BIT 1,340.00
4,330.00
4,590.00
5,040.00
6,420.00
7,060.00
6,415.00
6,289.00
6,652.00
growth rate 223.1% 6.0% 9.8% 27.4% 10.0% -9.1% -2.0% 5.8%
Avg.PE 39.06
6.37
6.02
8.86
10.43
10.37
9.51
13.44
28.43
6.82
8.63
growth rate -83.7% -5.5% 47.2% 17.7% -0.6% -8.3% 41.3% 111.5% -76.0% 26.5%
ROA 0.19
1.49
1.55
1.34
1.34
1.43
1.20
1.02
0.47
1.55
growth rate 684.2% 4.0% -13.6% 0.0% 6.7% -16.1% -15.0% -53.9% 229.8%
ROE 1.28
10.33
11.11
9.94
9.94
10.01
8.39
7.41
3.54
11.37
growth rate 707.0% 7.6% -10.5% 0.0% 0.7% -16.2% -11.7% -52.2% 221.2%
ROIC 5.37
8.36
7.01
7.19
6.23
6.21
growth rate 55.7% -16.2% 2.6% -13.4% -0.3%
Leverage 6.38
7.44
6.94
7.73
7.12
6.86
7.06
7.51
7.50
7.21
growth rate 16.6% -6.7% 11.4% -7.9% -3.7% 2.9% 6.4% -0.1% -3.9%
Balance Sheet Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Acct.Receivable 1,029.00
1,694.00
1,418.00
1,079.00
1,189.00
1,351.00
1,536.00
growth rate 64.6% -16.3% -23.9% 10.2% 13.6% 13.7%
Acct.Payable 466.00
450.00
307.00
205,548.00
217,721.00
236,768.00
243,702.00
249,764.00
262,697.00
growth rate -3.4% -31.8% 66,853.8% 5.9% 8.8% 2.9% 2.5% 5.2%
Cur.Assets 10,955.00
12,443.00
16,122.00
17,852.00
16,889.00
15,907.00
growth rate 13.6% 29.6% 10.7% -5.4% -5.8%
Total Assets 169,646.00
197,503.00
206,019.00
312,918.00
296,933.00
308,167.00
334,048.00
357,033.00
365,693.00
372,538.00
390,365.00
growth rate 16.4% 4.3% 51.9% -5.1% 3.8% 8.4% 6.9% 2.4% 1.9% 4.8%
Cash 8,143.00
4,843.00
44,597.00
75,046.00
67,223.00
7,242.00
8,023.00
9,976.00
14,040.00
13,186.00
13,407.00
growth rate -40.5% 820.9% 68.3% -10.4% -89.2% 10.8% 24.3% 40.7% -6.1% 1.7%
Inventory 322.00
324.00
280.00
153.00
59.00
growth rate 0.6% -13.6% -45.4% -61.4%
Cur.Liabilities 225,921.00
222,578.00
242,789.00
249,197.00
276,997.00
263,450.00
growth rate -1.5% 9.1% 2.6% 11.2% -4.9%
Liabilities 143,056.00
170,962.00
176,353.00
272,419.00
255,301.00
263,114.00
286,764.00
309,519.00
316,963.00
320,870.00
332,354.00
growth rate 19.5% 3.2% 54.5% -6.3% 3.1% 9.0% 7.9% 2.4% 1.2% 3.6%
LT Debt 2,009.00
2,010.00
2,011.00
2,012.00
2,013.00
31,377.00
58,101.00
59,468.00
59,705.00
37,344.00
55,383.00
growth rate 0.1% 0.1% 0.1% 0.1% 1,458.7% 85.2% 2.4% 0.4% -37.5% 48.3%
Equity 26,590.00
26,541.00
29,666.00
40,499.00
41,632.00
43,231.00
43,990.00
43,154.00
44,370.00
47,308.00
58,011.00
growth rate -0.2% 11.8% 36.5% 2.8% 3.8% 1.8% -1.9% 2.8% 6.6% 22.6%
Common Shares 431.00
456.00
459.00
567.00
588.00
571.00
548.00
510.00
489.00
483.00
7.00
growth rate 5.8% 0.7% 23.5% 3.7% -2.9% -4.0% -6.9% -4.1% -1.2% -98.6%
Cash Flow Statement Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Capital Expenditures 243.00
340.00
315.00
560.00
818.00
502.00
532.00
779.00
1,018.00
874.00
growth rate 39.9% -7.4% 77.8% 46.1% -38.6% 6.0% 46.4% 30.7% -14.2%
Cash Dividends 319.00
91.00
91.00
126.00
608.00
746.00
974.00
1,026.00
1,045.00
1,038.00
growth rate -71.5% 0.0% 38.5% 382.5% 22.7% 30.6% 5.3% 1.9% -0.7%
Cash From OA 2,082.00
8,142.00
7,455.00
9,524.00
9,984.00
9,304.00
10,127.00
11,856.00
14,182.00
12,978.00
growth rate 291.1% -8.4% 27.8% 4.8% -6.8% 8.9% 17.1% 19.6% -8.5%
FCF per Share 5.95
17.11
12.30
15.02
24.64
14.98
18.22
19.85
22.61
25.06
growth rate 187.6% -28.1% 22.1% 64.1% -39.2% 21.6% 9.0% 13.9% 10.8%
Sale Purchase of Stock 55.00
4,123.00
-838.00
246.00
196.00
273.00
288.00
growth rate 7,396.4% -100.0% 100.0% -20.3% 39.3% 5.5%
FCF 2,565.00
7,802.00
7,140.00
8,500.00
9,166.00
8,802.00
9,595.00
11,077.00
13,164.00
12,104.00
growth rate 204.2% -8.5% 19.1% 7.8% -4.0% 9.0% 15.5% 18.8% -8.1%
Income Statement Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Sales 12,983.00
16,171.00
18,525.00
23,771.00
24,176.00
18,749.00
18,877.00
19,042.00
19,686.00
22,220.00
22,357.00
growth rate 24.6% 14.6% 28.3% 1.7% -22.5% 0.7% 0.9% 3.4% 12.9% 0.6%
Op.Income 1,336.00
4,330.00
3,253.00
3,709.00
4,354.00
7,376.00
6,627.00
6,201.00
6,071.00
7,856.00
6,986.00
growth rate 224.1% -24.9% 14.0% 17.4% 69.4% -10.2% -6.4% -2.1% 29.4% -11.1%
IBT 1,336.00
4,330.00
4,587.00
5,184.00
6,578.00
6,569.00
5,881.00
5,484.00
5,492.00
7,318.00
6,874.00
growth rate 224.1% 5.9% 13.0% 26.9% -0.1% -10.5% -6.8% 0.2% 33.3% -6.1%
Net Income 884.00
2,743.00
3,253.00
3,709.00
4,354.00
4,428.00
4,050.00
3,751.00
1,982.00
6,015.00
5,546.00
growth rate 210.3% 18.6% 14.0% 17.4% 1.7% -8.5% -7.4% -47.2% 203.5% -7.8%
EPS 0.74
6.01
6.80
6.11
6.89
7.59
7.07
6.89
3.49
11.82
growth rate 712.2% 13.1% -10.2% 12.8% 10.2% -6.9% -2.6% -49.4% 238.7%
Gross Profit 18,749.00
18,877.00
19,042.00
19,686.00
22,220.00
22,357.00
growth rate 0.7% 0.9% 3.4% 12.9% 0.6%

Quarterly Statements

Item Name Dec '18 Mar '19 Jun '19 Sep '19 Dec '19
Earnings BIT
growth rate
Balance Sheet Dec '18 Mar '19 Jun '19 Sep '19 Dec '19
Acct.Receivable
growth rate
Acct.Payable 249,764.00
255,107.00
254,535.00
257,148.00
262,697.00
growth rate 2.1% -0.2% 1.0% 2.2%
Cur.Assets 16,889.00
22,719.00
20,270.00
21,691.00
15,907.00
growth rate 34.5% -10.8% 7.0% -26.7%
Total Assets 372,538.00
373,191.00
373,619.00
378,810.00
390,365.00
growth rate 0.2% 0.1% 1.4% 3.1%
Cash 13,186.00
17,469.00
15,111.00
17,120.00
13,407.00
growth rate 32.5% -13.5% 13.3% -21.7%
Inventory 59.00
52.00
53.00
61.00
growth rate -11.9% 1.9% 15.1%
Cur.Liabilities 276,997.00
256,278.00
255,971.00
258,869.00
263,450.00
growth rate -7.5% -0.1% 1.1% 1.8%
Liabilities 320,870.00
319,710.00
317,852.00
320,575.00
332,354.00
growth rate -0.4% -0.6% 0.9% 3.7%
LT Debt 37,344.00
49,940.00
48,781.00
49,592.00
55,383.00
growth rate 33.7% -2.3% 1.7% 11.7%
Equity 47,308.00
49,121.00
51,407.00
52,412.00
58,011.00
growth rate 3.8% 4.7% 2.0% 10.7%
Common Shares 7.00
7.00
7.00
7.00
7.00
growth rate 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Dec '18 Mar '19 Jun '19 Sep '19 Dec '19
Capital Expenditures 183.00
183.00
213.00
235.00
growth rate 0.0% 16.4% 10.3%
Cash Dividends 243.00
243.00
268.00
243.00
growth rate 0.0% 10.3% -9.3%
Cash From OA 4,881.00
4,881.00
4,226.00
3,412.00
growth rate 0.0% -13.4% -19.3%
Sale Purchase of Stock
growth rate
FCF 4,698.00
4,698.00
4,013.00
3,177.00
growth rate 0.0% -14.6% -20.8%
Income Statement Dec '18 Mar '19 Jun '19 Sep '19 Dec '19
Sales 5,375.00
5,390.00
5,782.00
5,576.00
5,609.00
growth rate 0.3% 7.3% -3.6% 0.6%
Op.Income 1,286.00
1,852.00
2,129.00
1,803.00
1,476.00
growth rate 44.0% 15.0% -15.3% -18.1%
IBT 1,243.00
1,719.00
2,003.00
1,704.00
1,448.00
growth rate 38.3% 16.5% -14.9% -15.0%
Net Income 1,261.00
1,412.00
1,625.00
1,333.00
1,176.00
growth rate 12.0% 15.1% -18.0% -11.8%
EPS
growth rate
Gross Profit 5,375.00
5,390.00
5,782.00
5,576.00
5,609.00
growth rate 0.3% 7.3% -3.6% 0.6%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

C (56.80)

YOY Growth Grade:

D (38.39)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 8.63 8.97 8.20
EPS / Growth 1.0% 11.28 14.0%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 9.7%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 1.0% 8.2% 8.2%
Future PE 2.06 11.10 11.10
Future EPS 12.50 24.90 24.90
Value Price
MOS %
6.36
-93.7%
68.34
-32.4%
68.34
-32.4%
MOS Price 3.18 34.17 34.17
IRT 8.54 6.56 6.56

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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