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Capital One FinancialLTS:0HT4 -0.77%85 3-Year Book Growth Rate is 9.60% as of Jun. 2026, which is 3% above its 10-year median of 9.30. GuruFocus rates LTS:0HT4 with a GF Score™ of 85/100 and a GF Value™ of $182.90 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 521 Credit Services companies, Capital One Financial ranks better than 62% on this metric.
During the past 12 months, Capital One Financial's average Book Value per Share Growth Rate was 6.90% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 9.60% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 5.80% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 6.90% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 13 years, the highest 3-Year average Book Value per Share Growth Rate of Capital One Financial was 39.10% per year. The lowest was -3.80% per year. And the median was 9.30% per year.
Capital One Financial (LTS:0HT4) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
Capital One Financial 3-Year Book Growth Rate Related Terms
LTS:0HT4 vs PYPL, AXP, AFRM: 3-Year Book Growth Rate Comparison
For the Credit Services subindustry, Capital One Financial's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Capital One Financial 3-Year Book Growth Rate vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Capital One Financial's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where Capital One Financial's 3-Year Book Growth Rate falls into.
Capital One Financial 3-Year Book Growth Rate Calculation
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 9.60% mean?
Capital One Financial (LTS:0HT4) has a 3-Year Book Growth Rate of 9.60% as of Jun. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Capital One Financial and its competitors. This is near median its historical median of 9.30. According to the industry distribution chart, Capital One Financial ranks #198 out of 521 companies in the Credit Services industry, placing it in the top 38%.
Is Capital One Financial's 3-Year Book Growth Rate too high?
Capital One Financial's current 3-Year Book Growth Rate of 9.60% is near median its 10-year median of 9.30. The Credit Services industry median 3-Year Book Growth Rate is 6.10. Capital One Financial's value of 9.60% is 57.4% above this industry median. Based on the distribution chart, Capital One Financial ranks #198 out of 521 companies in the Credit Services industry, which is above the industry midpoint. Overall, Capital One Financial has a GF Score™ of 85/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Capital One Financial's 3-Year Book Growth Rate compare to PYPL and AXP?
According to the Credit Services industry distribution chart, Capital One Financial ranks #198 out of 521 companies for 3-Year Book Growth Rate. This puts Capital One Financial in the upper half of its industry. The industry median 3-Year Book Growth Rate is 6.10. Capital One Financial's value of 9.60% is 57.4% above this benchmark. While the company's 10-year median is 9.30 vs. the industry median of 6.10, Capital One Financial has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for a Credit Services company?
The median 3-Year Book Growth Rate among Credit Services companies is 6.10, based on 521 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Capital One Financial's current 3-Year Book Growth Rate of 9.60% is 57.4% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Capital One Financial and its competitors. For the Credit Services industry, the median 3-Year Book Growth Rate is 6.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Capital One Financial's current 3-Year Book Growth Rate is 9.60%, which is near median its own 10-year median of 9.30. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Capital One Financial stock overvalued right now?
Based on GuruFocus' analysis, Capital One Financial (LTS:0HT4) is currently considered Modestly Overvalued. The stock's GF Value™ is $182.90, compared to a current price of $206.81 — trading 13.1% above its estimated fair value. The current 3-Year Book Growth Rate is 9.60%, which is near median its 10-year median of 9.30 and 57.4% above the Credit Services industry median of 6.10. Capital One Financial's overall GF Score™ is 85/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For Capital One Financial (LTS:0HT4), the current 3-Year Book Growth Rate is 9.60% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Capital One Financial (LTS:0HT4) Overvalued in 2026?
Based on GuruFocus' analysis, Capital One Financial stock appears to be overvalued.
The current stock price of $206.81 is trading 13.1% above its estimated GF Value™ of $182.90.
GuruFocus considers Capital One Financial to be Modestly Overvalued.
Key valuation signals for LTS:0HT4:
3-Year Book Growth Rate: 9.60% (near median its 10-year median of 9.30)
GF Value™: $182.90 vs. price of $206.81 (13.1% above fair value)
Industry Position: 57.4% above the Credit Services median (#198 of 521)
No single metric tells the full story. See the LTS:0HT4 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Capital One Financial is a diversified financial-services holding company headquartered in McLean, Virginia. Originally a spinoff of Signet Financial's credit card division in 1994, the company is now primarily involved in credit card lending, auto loans, and commercial lending. Following the acquisition of Discover in 2025, the firm also has a modest personal loan business, though credit card lending provides the majority of the bank's revenue.
85GF Score
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