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Capital One FinancialLTS:0HT4 +0.08%85 Cash-to-Debt is 1.23 as of Jun. 2026, which is 78% above its 10-year median of 0.69. GuruFocus rates LTS:0HT4 with a GF Score™ of 85/100 and a GF Value™ of $182.94 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 524 Credit Services companies, Capital One Financial ranks better than 74.24% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Capital One Financial's cash to debt ratio for the quarter that ended in Jun. 2026 was 1.23.
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. Here we can see, Capital One Financialcould pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Capital One Financial's Cash-to-Debt or its related term are showing as below:
LTS:0HT4'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.14 Med: 0.69 Max: 1.49
Current: 1.23
During the past 13 years, Capital One Financial's highest Cash to Debt Ratio was 1.49. The lowest was 0.14. And the median was 0.69.
LTS:0HT4's Cash-to-Debt is ranked better than 74.24% of 524
companies
in the Credit Services industry
Industry Median: 0.19
vs LTS:0HT4: 1.23
Capital One Financial (LTS:0HT4) Cash-to-Debt Explanation
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Capital One Financial Cash-to-Debt Related Terms
Capital One Financial Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Capital One Financial's Cash-to-Debt can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
LTS:0HT4 vs PYPL, AXP, AFRM: Cash-to-Debt Comparison
For the Credit Services subindustry, Capital One Financial's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt 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 Cash-to-Debt vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Capital One Financial's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Capital One Financial's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Capital One Financial (LTS:0HT4) has a Cash-to-Debt of 1.23 as of Jun. 2026. This is 78% above median its historical median of 0.69. Over the past decade, Capital One Financial's Cash-to-Debt has ranged from 0.14 to 1.49. According to the industry distribution chart, Capital One Financial ranks #135 out of 524 companies in the Credit Services industry, placing it in the top 25.8%.
Is Capital One Financial's Cash-to-Debt too high?
Capital One Financial's current Cash-to-Debt of 1.23 is 78% above median its 10-year median of 0.69. Over the past 10 years, this metric has ranged from a low of 0.14 to a high of 1.49. The Credit Services industry median Cash-to-Debt is 0.19. Capital One Financial's value of 1.23 is 547.4% above this industry median. Based on the distribution chart, Capital One Financial ranks #135 out of 524 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 Cash-to-Debt compare to PYPL and AXP?
According to the Credit Services industry distribution chart, Capital One Financial ranks #135 out of 524 companies for Cash-to-Debt. This puts Capital One Financial in the upper half of its industry. The industry median Cash-to-Debt is 0.19. Capital One Financial's value of 1.23 is 547.4% above this benchmark. Historically, Capital One Financial's own Cash-to-Debt has ranged from 0.14 to 1.49 over the past decade. While the company's 10-year median is 0.69 vs. the industry median of 0.19, 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 Cash-to-Debt for a Credit Services company?
The median Cash-to-Debt among Credit Services companies is 0.19, based on 524 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Capital One Financial's current Cash-to-Debt of 1.23 is 547.4% 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 Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Credit Services industry, the median Cash-to-Debt is 0.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Capital One Financial's current Cash-to-Debt is 1.23, which is 78% above median its own 10-year median of 0.69. 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 $182.94, compared to a current price of $206.98 — trading 13.1% above its estimated fair value. The current Cash-to-Debt is 1.23, which is 78% above median its 10-year median of 0.69 and 547.4% above the Credit Services industry median of 0.19. 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 Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Capital One Financial (LTS:0HT4), the current Cash-to-Debt is 1.23 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 $206.98 is trading 13.1% above its estimated GF Value™ of $182.94.
GuruFocus considers Capital One Financial to be Modestly Overvalued.
Key valuation signals for LTS:0HT4:
Cash-to-Debt: 1.23 (78% above median its 10-year median of 0.69)
GF Value™: $182.94 vs. price of $206.98 (13.1% above fair value)
Industry Position: 547.4% above the Credit Services median (#135 of 524)
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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