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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.21
COF's Cash to Debt is ranked higher than
72% of the 125 Companies
in the Global Credit Services industry.

( Industry Median: 0.12 vs. COF: 0.21 )
COF' s 10-Year Cash to Debt Range
Min: 0.01   Max: No Debt
Current: 0.21

Equity to Asset 0.15
COF's Equity to Asset is ranked higher than
59% of the 134 Companies
in the Global Credit Services industry.

( Industry Median: 0.21 vs. COF: 0.15 )
COF' s 10-Year Equity to Asset Range
Min: 0.1   Max: 0.18
Current: 0.15

0.1
0.18
Interest Coverage 3.58
COF's Interest Coverage is ranked higher than
76% of the 103 Companies
in the Global Credit Services industry.

( Industry Median: 3.44 vs. COF: 3.58 )
COF' s 10-Year Interest Coverage Range
Min: 0.15   Max: 3.58
Current: 3.58

0.15
3.58
F-Score: 6
Z-Score: 0.35
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 8/10

vs
industry
vs
history
Operating margin (%) 28.67
COF's Operating margin (%) is ranked higher than
74% of the 130 Companies
in the Global Credit Services industry.

( Industry Median: 25.65 vs. COF: 28.67 )
COF' s 10-Year Operating margin (%) Range
Min: 4.19   Max: 30.37
Current: 28.67

4.19
30.37
Net-margin (%) 18.58
COF's Net-margin (%) is ranked higher than
72% of the 136 Companies
in the Global Credit Services industry.

( Industry Median: 16.33 vs. COF: 18.58 )
COF' s 10-Year Net-margin (%) Range
Min: -0.33   Max: 19.97
Current: 18.58

-0.33
19.97
ROE (%) 9.96
COF's ROE (%) is ranked higher than
66% of the 137 Companies
in the Global Credit Services industry.

( Industry Median: 13.17 vs. COF: 9.96 )
COF' s 10-Year ROE (%) Range
Min: -0.17   Max: 23.96
Current: 9.96

-0.17
23.96
ROA (%) 1.40
COF's ROA (%) is ranked higher than
62% of the 138 Companies
in the Global Credit Services industry.

( Industry Median: 2.80 vs. COF: 1.40 )
COF' s 10-Year ROA (%) Range
Min: -0.03   Max: 2.92
Current: 1.4

-0.03
2.92
ROC (Joel Greenblatt) (%) 167.15
COF's ROC (Joel Greenblatt) (%) is ranked higher than
81% of the 129 Companies
in the Global Credit Services industry.

( Industry Median: 33.33 vs. COF: 167.15 )
COF' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 15.44   Max: 237.45
Current: 167.15

15.44
237.45
Revenue Growth (%) 2.10
COF's Revenue Growth (%) is ranked higher than
61% of the 122 Companies
in the Global Credit Services industry.

( Industry Median: 7.20 vs. COF: 2.10 )
COF' s 10-Year Revenue Growth (%) Range
Min: -7.6   Max: 46.5
Current: 2.1

-7.6
46.5
EBITDA Growth (%) 10.40
COF's EBITDA Growth (%) is ranked higher than
73% of the 100 Companies
in the Global Credit Services industry.

( Industry Median: 10.10 vs. COF: 10.40 )
COF' s 10-Year EBITDA Growth (%) Range
Min: -34.7   Max: 49.8
Current: 10.4

-34.7
49.8
EPS Growth (%) 3.20
COF's EPS Growth (%) is ranked higher than
58% of the 96 Companies
in the Global Credit Services industry.

( Industry Median: 18.20 vs. COF: 3.20 )
COF' s 10-Year EPS Growth (%) Range
Min: -72.5   Max: 268.9
Current: 3.2

-72.5
268.9
» COF's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q2 2013

COF Guru Trades in Q2 2013

Caxton Associates 25,000 sh (New)
RS Investment Management 305,501 sh (New)
Ray Dalio 56,166 sh (New)
Diamond Hill Capital 4,994 sh (New)
John Buckingham 68,638 sh (New)
Andreas Halvorsen 14,624,070 sh (+34.99%)
Larry Robbins 1,253,780 sh (+33.4%)
Louis Moore Bacon 615,000 sh (+23%)
Tom Gayner 187,400 sh (+4.46%)
Bill Nygren 3,753,000 sh (+3.87%)
Brian Rogers 2,827,800 sh (unchged)
Edward Lampert Sold Out
Steve Mandel Sold Out
Paul Tudor Jones Sold Out
John Paulson Sold Out
Steven Cohen Sold Out
James Barrow 21,294,820 sh (-0.13%)
Leon Cooperman 1,716,900 sh (-0.16%)
Dodge & Cox 48,210,515 sh (-0.82%)
Julian Robertson 260,000 sh (-6.27%)
HOTCHKIS & WILEY 6,909,053 sh (-7.27%)
NWQ Managers 2,727,893 sh (-8.5%)
Lee Ainslie 2,154,402 sh (-42.78%)
Jeremy Grantham 207,900 sh (-45.44%)
Jim Simons 419,499 sh (-66.25%)
» More
Q3 2013

COF Guru Trades in Q3 2013

Ronald Muhlenkamp 51,885 sh (New)
Steven Cohen 13,902 sh (New)
Louis Moore Bacon 1,142,493 sh (+85.77%)
Diamond Hill Capital 6,684 sh (+33.84%)
Ray Dalio 74,543 sh (+32.72%)
Larry Robbins 1,353,780 sh (+7.98%)
Andreas Halvorsen 15,680,804 sh (+7.23%)
John Buckingham 68,990 sh (+0.51%)
Bill Nygren 3,753,000 sh (unchged)
RS Investment Management 305,501 sh (unchged)
Tom Gayner 187,400 sh (unchged)
Leon Cooperman 1,716,900 sh (unchged)
Brian Rogers 2,827,800 sh (unchged)
Caxton Associates Sold Out
Julian Robertson Sold Out
James Barrow 21,269,039 sh (-0.12%)
Dodge & Cox 47,844,267 sh (-0.76%)
Jeremy Grantham 178,300 sh (-14.24%)
NWQ Managers 2,313,596 sh (-15.19%)
HOTCHKIS & WILEY 5,812,399 sh (-15.87%)
Lee Ainslie 1,666,596 sh (-22.64%)
Jim Simons 176,199 sh (-58%)
» More
Q4 2013

COF Guru Trades in Q4 2013

Paul Tudor Jones 4,600 sh (New)
David Dreman 3,008 sh (New)
Caxton Associates 21,294 sh (New)
Louis Moore Bacon 2,700,000 sh (+136.33%)
Lee Ainslie 2,865,288 sh (+71.92%)
Ray Dalio 106,343 sh (+42.66%)
Steven Cohen 18,482 sh (+32.94%)
James Barrow 21,608,817 sh (+1.6%)
John Buckingham 69,854 sh (+1.25%)
Ronald Muhlenkamp 52,260 sh (+0.72%)
Bill Nygren 3,753,000 sh (unchged)
Tom Gayner 187,400 sh (unchged)
Jim Simons Sold Out
Brian Rogers Sold Out
Jeremy Grantham 176,700 sh (-0.9%)
Dodge & Cox 46,807,942 sh (-2.17%)
RS Investment Management 296,001 sh (-3.11%)
NWQ Managers 2,240,922 sh (-3.14%)
HOTCHKIS & WILEY 5,621,057 sh (-3.29%)
Leon Cooperman 1,608,855 sh (-6.29%)
Andreas Halvorsen 12,635,752 sh (-19.42%)
Diamond Hill Capital 4,237 sh (-36.61%)
Larry Robbins 838,800 sh (-38.04%)
» More
Q1 2014

COF Guru Trades in Q1 2014

John Hussman 150,000 sh (New)
Pioneer Investments 3,123 sh (New)
RS Investment Management 359,601 sh (+21.49%)
Lee Ainslie 3,255,257 sh (+13.61%)
Larry Robbins 904,800 sh (+7.87%)
John Buckingham 73,626 sh (+5.4%)
Ronald Muhlenkamp 52,755 sh (+0.95%)
Leon Cooperman 1,620,155 sh (+0.7%)
Diamond Hill Capital 4,240 sh (+0.07%)
Bill Nygren 3,753,000 sh (unchged)
Steven Cohen Sold Out
Ray Dalio Sold Out
Caxton Associates Sold Out
Dodge & Cox 46,709,425 sh (-0.21%)
James Barrow 21,445,410 sh (-0.76%)
David Dreman 2,878 sh (-4.32%)
Tom Gayner 178,000 sh (-5.02%)
NWQ Managers 2,106,942 sh (-5.98%)
HOTCHKIS & WILEY 5,245,633 sh (-6.68%)
Andreas Halvorsen 10,900,417 sh (-13.73%)
Jeremy Grantham 126,800 sh (-28.24%)
Paul Tudor Jones 3,100 sh (-32.61%)
Louis Moore Bacon 775,650 sh (-71.27%)
» More
» Details

Insider Trades

Latest Guru Trades with COF

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
John Hussman 2014-03-31 New Buy0.87%$68.66 - $78.02 $ 81.9212%150000
Lee Ainslie 2014-03-31 Add 13.61%0.42%$68.66 - $78.02 $ 81.9212%3255257
Ray Dalio 2014-03-31 Sold Out 0.07%$68.66 - $78.02 $ 81.9212%0
Lee Ainslie 2013-12-31 Add 71.92%1.17%$67.83 - $75.88 $ 81.9215%2865288
Leon Cooperman 2013-12-31 Reduce -6.29%0.11%$67.83 - $75.88 $ 81.9215%1608855
Ray Dalio 2013-12-31 Add 42.66%0.02%$67.83 - $75.88 $ 81.9215%106343
David Dreman 2013-12-31 New Buy0.02%$67.83 - $75.88 $ 81.9215%3008
Julian Robertson 2013-09-30 Sold Out 2.1%$63.92 - $69.7 $ 81.9222%0
Ronald Muhlenkamp 2013-09-30 New Buy0.71%$63.92 - $69.7 $ 81.9222%51885
Lee Ainslie 2013-09-30 Reduce -22.64%0.41%$63.92 - $69.7 $ 81.9222%1666596
Ray Dalio 2013-09-30 Add 32.72%0.01%$63.92 - $69.7 $ 81.9222%74543
Steve Mandel 2013-06-30 Sold Out 1.4%$52.76 - $62.81 $ 81.9239%0
Lee Ainslie 2013-06-30 Reduce -42.78%1.16%$52.76 - $62.81 $ 81.9239%2154402
John Paulson 2013-06-30 Sold Out 0.68%$52.76 - $62.81 $ 81.9239%0
Julian Robertson 2013-06-30 Reduce -6.27%0.13%$52.76 - $62.81 $ 81.9239%260000
Ray Dalio 2013-06-30 New Buy0.03%$52.76 - $62.81 $ 81.9239%56166
Edward Lampert 2013-06-30 Sold Out 0.01%$52.76 - $62.81 $ 81.9239%0
Premium More recent guru trades are included for Premium Members only!!
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Preferred stocks of Capital One Financial Corp

SymbolPriceYieldDescription
COFPRP0.006.19Non-Cum Perp Pfd Shs Series -B-

Guru Investment Theses on Capital One Financial Corp

Dodge & Cox Comments on Capital One - Feb 10, 2014

Capital One (COF) (the Fund's largest position at 4.0%) is a consumer finance firm with credit card, auto lending, and banking businesses. The company has a strong franchise, attractive growth opportunities, and a disciplined management team with a solid track record and long-term focus. Capital One has grown market share while achieving high return on equity through its data analytics, which have led to sophisticated marketing and strong underwriting. Its acquisitions of ING Direct and HSBC's credit card portfolio appear to be strategically sound. While regulatory reform could force changes in business practices that could adversely affect the industry, we believe Capital One— trading at 11 times forward earnings—is an attractive long-term investment opportunity.





From Dodge & Cox's Stock Fund fourth quarter 2013 commentary.



Check out Dodge & Cox latest stock trades

Top Ranked Articles about Capital One Financial Corp

Dodge & Cox Comments on Capital One
Capital One (COF) (the Fund's largest position at 4.0%) is a consumer finance firm with credit card, auto lending, and banking businesses. The company has a strong franchise, attractive growth opportunities, and a disciplined management team with a solid track record and long-term focus. Capital One has grown market share while achieving high return on equity through its data analytics, which have led to sophisticated marketing and strong underwriting. Its acquisitions of ING Direct and HSBC's credit card portfolio appear to be strategically sound. While regulatory reform could force changes in business practices that could adversely affect the industry, we believe Capital One— trading at 11 times forward earnings—is an attractive long-term investment opportunity. Read more...
Weekly Insider Sells Highlight: ORCL, COF, KMX, TMK, GCI
According to GuruFocus Insider Data, the largest insider sells during the past week were: Oracle Corporation, Capital One Financial Corp, CarMax Inc., Torchmark Corporation and Gannett Co Inc. Read more...

Ratios

vs
industry
vs
history
P/E(ttm) 11.50
COF's P/E(ttm) is ranked higher than
80% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 14.70 vs. COF: 11.50 )
COF' s 10-Year P/E(ttm) Range
Min: 5.29   Max: 70.53
Current: 11.5

5.29
70.53
P/B 1.10
COF's P/B is ranked higher than
81% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 1.65 vs. COF: 1.10 )
COF' s 10-Year P/B Range
Min: 0.14   Max: 2.83
Current: 1.1

0.14
2.83
P/S 2.16
COF's P/S is ranked higher than
76% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 2.62 vs. COF: 2.16 )
COF' s 10-Year P/S Range
Min: 0.25   Max: 2.38
Current: 2.16

0.25
2.38
PFCF 4.80
COF's PFCF is ranked higher than
88% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 30.67 vs. COF: 4.80 )
COF' s 10-Year PFCF Range
Min: 0.94   Max: 11.85
Current: 4.8

0.94
11.85
EV-to-EBIT 10.71
COF's EV-to-EBIT is ranked higher than
90% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 21.17 vs. COF: 10.71 )
COF' s 10-Year EV-to-EBIT Range
Min: 7.7   Max: 55.8
Current: 10.71

7.7
55.8
PEG 0.40
COF's PEG is ranked higher than
95% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 2.24 vs. COF: 0.40 )
COF' s 10-Year PEG Range
Min: 0.36   Max: 13.22
Current: 0.4

0.36
13.22
Shiller P/E 17.60
COF's Shiller P/E is ranked higher than
82% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 26.52 vs. COF: 17.60 )
COF' s 10-Year Shiller P/E Range
Min: 1.67   Max: 25.19
Current: 17.6

1.67
25.19

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.46
COF's Dividend Yield is ranked lower than
68% of the 100 Companies
in the Global Credit Services industry.

( Industry Median: 2.19 vs. COF: 1.46 )
COF' s 10-Year Dividend Yield Range
Min: 0.12   Max: 18.05
Current: 1.46

0.12
18.05
Dividend Payout 0.16
COF's Dividend Payout is ranked higher than
94% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 1.27 vs. COF: 0.16 )
COF' s 10-Year Dividend Payout Range
Min: -0.08   Max: 0.38
Current: 0.16

-0.08
0.38
Dividend growth (3y) 68.10
COF's Dividend growth (3y) is ranked higher than
97% of the 77 Companies
in the Global Credit Services industry.

( Industry Median: 7.70 vs. COF: 68.10 )
COF' s 10-Year Dividend growth (3y) Range
Min: -48.9   Max: 141.1
Current: 68.1

-48.9
141.1
Yield on cost (5-Year) 2.72
COF's Yield on cost (5-Year) is ranked lower than
58% of the 99 Companies
in the Global Credit Services industry.

( Industry Median: 3.42 vs. COF: 2.72 )
COF' s 10-Year Yield on cost (5-Year) Range
Min: 0.22   Max: 32.67
Current: 2.72

0.22
32.67
Share Buyback Rate -9.10
COF's Share Buyback Rate is ranked higher than
56% of the 106 Companies
in the Global Credit Services industry.

( Industry Median: -1.50 vs. COF: -9.10 )
COF' s 10-Year Share Buyback Rate Range
Min: -1.1   Max: -16.8
Current: -9.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.60
COF's Price/Tangible Book is ranked higher than
72% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 2.07 vs. COF: 1.60 )
COF' s 10-Year Price/Tangible Book Range
Min: 0.46   Max: 7.84
Current: 1.6

0.46
7.84
Price/DCF (Projected) 0.50
COF's Price/DCF (Projected) is ranked higher than
86% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 3.03 vs. COF: 0.50 )
COF' s 10-Year Price/DCF (Projected) Range
Min: 0.07   Max: 1.71
Current: 0.5

0.07
1.71
Price/Median PS Value 1.40
COF's Price/Median PS Value is ranked higher than
67% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 1.31 vs. COF: 1.40 )
COF' s 10-Year Price/Median PS Value Range
Min: 0.23   Max: 4.62
Current: 1.4

0.23
4.62
Price/Graham Number 0.90
COF's Price/Graham Number is ranked higher than
82% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 1.23 vs. COF: 0.90 )
COF' s 10-Year Price/Graham Number Range
Min: 0.51   Max: 3.5
Current: 0.9

0.51
3.5
Earnings Yield (Greenblatt) 9.30
COF's Earnings Yield (Greenblatt) is ranked higher than
89% of the 134 Companies
in the Global Credit Services industry.

( Industry Median: 5.70 vs. COF: 9.30 )
COF' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.8   Max: 13
Current: 9.3

1.8
13
Forward Rate of Return (Yacktman) 13.06
COF's Forward Rate of Return (Yacktman) is ranked higher than
69% of the 122 Companies
in the Global Credit Services industry.

( Industry Median: 13.01 vs. COF: 13.06 )
COF' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 15.1   Max: 158.5
Current: 13.06

15.1
158.5

Business Description

Industry: Credit Services » Credit Services
Compare:V, MA, TCAP, DFS, RDCRL » details
Traded in other countries:CFX.Germany
Capital One Financial Corp is one of the financial institutions in the United States, incorporated in Delaware on July 21, 1994. A diversified financial services company who's banking and non-banking subsidiaries market a variety of financial products and services. The Corporation's principal subsidiaries include: Capital One Bank, National Association and Capital One, National Association ("CONA") as of December 31, 2012. which currently offers credit and debit card products, other lending products and deposit products. Capital One, National Association 'CONA' which offers a broad spectrum of banking products and financial services to consumers, small businesses and commercial clients. The Company offers its products throughout the United States. It also offers its products outside of the United States principally through Capital One Bank (Europe) plc, an indirect subsidiary of COBNA organized and located in the United Kingdom and through a branch of COBNA in Canada. The Company's U.K. Bank has authority, among other things, to accept deposits and provide credit card and installment loans. The Company's branch of COBNA in Canada has the authority to provide credit card loans. Capital One is one of the financial institutions in the United States. The Company focuses on consumer and commercial lending and deposit taking. The Company's principal business segments are Credit Card, Commercial Banking and Consumer Banking. Credit Card includes the Company's domestic consumer and small business card lending, domestic national small business lending, national closed end installment lending and the international card lending businesses in Canada and the United Kingdom. Commercial Banking includes the Company's lending, deposit gathering and treasury management services to commercial real estate and middle market customers. The Commercial segment also includes the financial results of a national portfolio of small ticket commercial real estate loans that are in run-off mode. Consumer Banking includes the Company's branch based lending and deposit gathering activities for small business customers as well as its branch based consumer deposit gathering and lending activities, national deposit gathering, consumer mortgage lending and servicing activities and national automobile lending. The Company competes with national and state banks for deposits, commercial loans and trust accounts and with savings and loan associations and credit unions for loans and deposits. It also competes with other financial services providers for loans, deposits and other services and products. The Company is a bank holding company under Section 3 of the Bank Holding Company Act of 1956, as amended and is subject to the requirements of the BHC Act, including its capital adequacy standards and limitations on the Company's nonbanking activities.

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