Capital One Financial (XBUL:CFX) Cyclically Adjusted FCF per Share: лв38.36 (As of Jun. 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
80 GF Score
Price лв185.00
GF Value лв156.92
! 3 Warning Signs
View Full Analysis

What is Capital One Financial Cyclically Adjusted FCF per Share?

Capital One Financial XBUL:CFX 80 Cyclically Adjusted FCF per Share is лв38.36 as of Jun. 2026. GuruFocus rates XBUL:CFX with a GF Score™ of 80/100 and a GF Value™ of лв156.92. 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 FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

Capital One Financial's adjusted free cash flow per share for the three months ended in Jun. 2026 was лв22.335. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is лв38.36 for the trailing ten years ended in Jun. 2026.

During the past 12 months, Capital One Financial's average Cyclically Adjusted FCF Growth Rate was 8.00% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 11.10% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was 11.30% per year. During the past 10 years, the average Cyclically Adjusted FCF Growth Rate was 10.20% 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 FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of Capital One Financial was 24.50% per year. The lowest was 1.40% per year. And the median was 8.90% per year.

As of today (2026-07-31), Capital One Financial's current stock price is лв185.00. Capital One Financial's Cyclically Adjusted FCF per Share for the quarter that ended in Jun. 2026 was лв38.36. Capital One Financial's Cyclically Adjusted Price-to-FCF of today is 4.82.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Capital One Financial was 7.18. The lowest was 1.87. And the median was 4.72.


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

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF 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 Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

Capital One Financial's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=185.00/38.36
=4.82

* 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 Price-to-FCF of Capital One Financial was 7.18. The lowest was 1.87. And the median was 4.72.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


Capital One Financial Cyclically Adjusted FCF per Share Related Terms


Capital One Financial Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Capital One Financial's Cyclically Adjusted FCF 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 FCF per Share Chart

Capital One Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 24.75 30.43

Capital One Financial Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cyclically Adjusted FCF 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 25.17 33.97 30.43 41.02 38.36

XBUL:CFX vs PYPL, AXP, SYF: Cyclically Adjusted FCF per Share Comparison

For the Credit Services subindustry, Capital One Financial's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF 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 Price-to-FCF vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Capital One Financial's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Capital One Financial's Cyclically Adjusted Price-to-FCF falls into.


XBUL:CFX
80GF Score
Capital One Financial Corp XBUL:CFX
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Capital One Financial Cyclically Adjusted FCF 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 FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

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

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow 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 FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF 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 Free Cash Flow per Share data for the three months ended in Jun. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=22.335/333.9520*333.9520
=22.335

Current CPI (Jun. 2026) = 333.9520.

Capital One Financial Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201609 10.555 241.428 14.600
201612 6.058 241.432 8.380
201703 10.353 243.801 14.181
201706 12.664 244.955 17.265
201709 9.747 246.819 13.188
201712 13.488 246.524 18.271
201803 4.906 249.554 6.565
201806 13.563 251.989 17.975
201809 11.111 252.439 14.699
201812 13.582 251.233 18.054
201903 17.110 254.202 22.478
201906 14.572 256.143 18.999
201909 11.565 256.759 15.042
201912 14.324 256.974 18.615
202003 19.724 258.115 25.519
202006 13.606 257.797 17.625
202009 9.949 260.280 12.765
202012 16.689 260.474 21.397
202103 5.443 264.877 6.862
202106 14.790 271.696 18.179
202109 6.983 274.310 8.501
202112 18.094 278.802 21.673
202203 -1.288 287.504 -1.496
202206 12.079 296.311 13.613
202209 11.414 296.808 12.842
202212 35.223 296.797 39.632
202303 12.338 301.836 13.651
202306 14.091 305.109 15.423
202309 30.783 307.789 33.400
202312 30.685 306.746 33.407
202403 12.377 312.332 13.234
202406 26.637 314.175 28.314
202409 27.511 315.301 29.138
202412 9.374 315.605 9.919
202503 19.317 319.799 20.172
202506 19.251 322.561 19.931
202509 23.546 324.800 24.209
202512 20.059 324.054 20.672
202603 15.070 330.213 15.241
202606 22.335 333.952 22.335

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of лв38.36 mean?
Capital One Financial (XBUL:CFX) has a Cyclically Adjusted FCF per Share of лв38.36 as of Jun. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Capital One Financial and its competitors.
Is Capital One Financial's Cyclically Adjusted FCF per Share too high?
Capital One Financial's current Cyclically Adjusted FCF per Share is лв38.36. Overall, Capital One Financial has a GF Score™ of 80/100, reflecting its overall financial health beyond just this single metric.
How does Capital One Financial's Cyclically Adjusted FCF per Share compare to PYPL and AXP?
Capital One Financial's Cyclically Adjusted FCF per Share of лв38.36 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 FCF per Share for a Credit Services company?
A good Cyclically Adjusted FCF per Share depends on the Credit Services industry context. However, Cyclically Adjusted FCF 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 FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Capital One Financial and its competitors. Capital One Financial's current Cyclically Adjusted FCF per Share is лв38.36. 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 FCF per Share of лв38.36. The stock's GF Value™ is лв156.92, compared to a current price of лв185.00 — trading 17.9% above its estimated fair value. The current Cyclically Adjusted FCF per Share is лв38.36. Capital One Financial's overall GF Score™ is 80/100 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 FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For Capital One Financial (XBUL:CFX), the current Cyclically Adjusted FCF per Share is лв38.36 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 (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 17.9% above its estimated GF Value™ of лв156.92.

Key valuation signals for XBUL:CFX:

  • Cyclically Adjusted FCF per Share: лв38.36
  • GF Value™: лв156.92 vs. price of лв185.00 (17.9% above fair value)
  • GF Score™: 80/100 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.
80GF Score

Get the complete analysis for XBUL:CFX

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

лв185.00
Price
лв156.92
GF Value