Capital One Financial (XBUL:CFX) Cyclically Adjusted Book per Share: лв158.95 (As of Mar. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

XBUL:CFX Capital One Financial Corp XBUL:CFX
78 GF Score
Price лв185.00
GF Value лв144.12
! 3 Warning Signs
View Full Analysis

What is Capital One Financial Cyclically Adjusted Book per Share?

Capital One Financial XBUL:CFX 78 Cyclically Adjusted Book per Share is лв158.95 as of Mar. 2026. GuruFocus rates XBUL:CFX with a GF Score™ of 78/100 and a GF Value™ of лв144.12. The stock has 3 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

Capital One Financial's adjusted book value per share for the three months ended in Mar. 2026 was лв313.075. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is лв158.95 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Capital One Financial's average Cyclically Adjusted Book Growth Rate was 7.20% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 7.00% per year. During the past 5 years, the average Cyclically Adjusted Book Growth Rate was 9.00% per year. During the past 10 years, the average Cyclically Adjusted Book Growth Rate was 8.60% 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 Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Book Growth Rate of Capital One Financial was 31.50% per year. The lowest was 6.10% per year. And the median was 10.35% per year.

As of today (2026-07-16), Capital One Financial's current stock price is лв185.00. Capital One Financial's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2026 was лв158.95. Capital One Financial's Cyclically Adjusted PB Ratio of today is 1.16.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Capital One Financial was 1.68. The lowest was 0.46. And the median was 1.09.


Capital One Financial  (XBUL:CFX) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

Capital One Financial's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=185.00/158.95
=1.16

* 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.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Capital One Financial was 1.68. The lowest was 0.46. And the median was 1.09.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


Capital One Financial Cyclically Adjusted Book per Share Related Terms


Capital One Financial Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Capital One Financial's Cyclically Adjusted Book per Share 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.

Capital One Financial Cyclically Adjusted Book per Share Chart

Capital One Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 97.03 116.41

Capital One Financial Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted Book per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 139.45 97.29 131.74 116.41 158.95

XBUL:CFX vs PYPL, AFRM, SYF: Cyclically Adjusted Book per Share Comparison

For the Credit Services subindustry, Capital One Financial's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio 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 Cyclically Adjusted PB Ratio vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Capital One Financial's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Capital One Financial's Cyclically Adjusted PB Ratio falls into.


XBUL:CFX
78GF Score
Capital One Financial Corp XBUL:CFX
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Capital One Financial Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Capital One Financial's adjusted Book Value per Share data for the three months ended in Mar. 2026 was:

Adj_Book= Book Value per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=313.075/330.2130*330.2130
=313.075

Current CPI (Mar. 2026) = 330.2130.

Capital One Financial Quarterly Data

Book Value per Share CPI Adj_Book
201606 163.316 241.018 223.755
201609 169.262 241.428 231.508
201612 169.941 241.432 232.433
201703 170.909 243.801 231.485
201706 174.477 244.955 235.205
201709 177.821 246.819 237.902
201712 172.379 246.524 230.898
201803 173.925 249.554 230.140
201806 179.230 251.989 234.868
201809 183.616 252.439 240.186
201812 189.731 251.233 249.377
201903 195.602 254.202 254.091
201906 203.644 256.143 262.533
201909 214.762 256.759 276.201
201912 218.227 256.974 280.423
202003 214.373 258.115 274.253
202006 210.937 257.797 270.190
202009 219.380 260.280 278.324
202012 225.288 260.474 285.606
202103 230.058 264.877 286.805
202106 248.798 271.696 302.383
202109 253.572 274.310 305.249
202112 253.269 278.802 299.972
202203 242.546 287.504 278.576
202206 238.999 296.311 266.344
202209 228.690 296.808 254.428
202212 236.836 296.797 263.501
202303 245.706 301.836 268.806
202306 245.662 305.109 265.875
202309 241.935 307.789 259.561
202312 262.279 306.746 282.344
202403 259.836 312.332 274.712
202406 260.786 314.175 274.099
202409 283.280 315.301 296.678
202412 273.843 315.605 286.518
202503 284.975 319.799 294.255
202506 297.987 322.561 305.056
202509 307.479 324.800 312.603
202512 312.167 324.054 318.100
202603 313.075 330.213 313.075

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of лв158.95 mean?
Capital One Financial (XBUL:CFX) has a Cyclically Adjusted Book per Share of лв158.95 as of Mar. 2026. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Capital One Financial and its competitors.
Is Capital One Financial's Cyclically Adjusted Book per Share too high?
Capital One Financial's current Cyclically Adjusted Book per Share is лв158.95. Overall, Capital One Financial has a GF Score™ of 78/100, reflecting its overall financial health beyond just this single metric.
How does Capital One Financial's Cyclically Adjusted Book per Share compare to PYPL and AFRM?
Capital One Financial's Cyclically Adjusted Book per Share of лв158.95 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Book per Share for a Credit Services company?
A good Cyclically Adjusted Book per Share depends on the Credit Services industry context. However, Cyclically Adjusted Book per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Capital One Financial and its competitors. Capital One Financial's current Cyclically Adjusted Book per Share is лв158.95. 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?
Capital One Financial (XBUL:CFX) has a current Cyclically Adjusted Book per Share of лв158.95. The stock's GF Value™ is лв144.12, compared to a current price of лв185.00 — trading 28.4% above its estimated fair value. The current Cyclically Adjusted Book per Share is лв158.95. Capital One Financial's overall GF Score™ is 78/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For Capital One Financial (XBUL:CFX), the current Cyclically Adjusted Book per Share is лв158.95 as of Mar. 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 (XBUL:CFX) Overvalued in 2026?

Based on GuruFocus' analysis, Capital One Financial stock appears to be overvalued. The current stock price of лв185.00 is trading 28.4% above its estimated GF Value™ of лв144.12.

Key valuation signals for XBUL:CFX:

  • Cyclically Adjusted Book per Share: лв158.95
  • GF Value™: лв144.12 vs. price of лв185.00 (28.4% above fair value)
  • GF Score™: 78/100 with 3 warning signs

No single metric tells the full story. See the XBUL:CFX stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Capital One Financial Business Description

Address 1680 Capital One Drive, McLean, VA, USA, 22102
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.
78GF Score

Get the complete analysis for XBUL:CFX

Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

лв185.00
Price
лв144.12
GF Value