COF

SELL

Capital One Financial Corporati

Financial Services · Rank #355 · Analyzed Jul 13, 2026

$201.52

Current Price

$220.71

Intrinsic Value

low confidence

Upside/Downside

1.5/10

Score

1.5/5

Quality

Analysis Summary

Valuation Consensus1/3 methods agree

Quality Score1.5/5.0

Framework RatingSELL

Price vs Intrinsic ValueLow confidence — see rating

Fair Value Range

Low$74.24

Base (IV)$220.71

High$594.91

Entry Points

Conservative$51.97

Moderate$74.24

Aggressive$154.49

⚠️ Warnings

Unusually high FCF yield (18%) — DCF may be unreliable
Financial sector — DCF less reliable (FCF includes reserves/float)
DCF/EPV diverge 6.9x — earnings power and cash flow disagree; fair value is low-confidence (blended conservatively)

Quality & Moat Breakdown

Return on Equity3.3% → 0/1.0

Debt LevelD/E 100 → 0/1.0

Revenue QualityGrowth 36.6%, margin Δ+0.0% +recovery → 1.0/1.0

Moat Strength2.0/5 → 0/1.0

Profit Margins8.9% → 0.5/1.0

Methodology

This analysis uses a unified valuation framework combining three methods, Discounted Cash Flow (3-scenario), Earnings Power Value, and Asset Valuation, with a quality scoring overlay. A stock needs 2/3 valuation methods to agree and a quality score ≥ 3.5/5 for a BUY rating.

Learn how this framework works →

This is a personal analysis tool, not financial advice. Do your own research before making investment decisions.