Capital One Financial (XTER:CFX) Cyclically Adjusted PS Ratio: (As of Jul. 31, 2026)

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Director of Data and Quant Analytics at GuruFocus
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XTER:CFX Capital One Financial Corp XTER:CFX
80 GF Score
Price €191.00
GF Value €162.01
! 3 Warning Signs
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What is Capital One Financial Cyclically Adjusted PS Ratio?

Note: If the price history is too short, we do not calculate current Cyclically Adjusted PS Ratio for this stock. All the historical data is shown as the company's primary share's data instead.

Shiller PE for Stocks: The True Measure of Stock Valuation


Capital One Financial  (XTER:CFX) Cyclically Adjusted PS Ratio Explanation

Compared with the regular PS Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PS Ratio smoothed out the fluctuations of revenue during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted PS Ratio should give similar results to regular PS Ratio.


Capital One Financial Cyclically Adjusted PS Ratio Related Terms


Capital One Financial Cyclically Adjusted PS Ratio Historical Data

* Premium members only.

The historical data trend for Capital One Financial's Cyclically Adjusted PS Ratio 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 PS Ratio Chart

Capital One Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted PS Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2.53 1.43 1.82 2.25 2.84

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 PS Ratio 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 2.56 2.51 2.84 2.08 2.24

XTER:CFX vs PYPL, AXP, SYF: Cyclically Adjusted PS Ratio Comparison

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

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

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


XTER:CFX
80GF Score
Capital One Financial Corp XTER:CFX
Cyclically Adjusted PS Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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Capital One Financial Cyclically Adjusted PS Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PS Ratio takes the Revenue per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/S calculation. Because it considers this 10-year average, it's often referred to as the CAPS Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio.

Capital One Financial's Cyclically Adjusted Revenue per Share for the quarter that ended in Jun. 2026 is calculated as:

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

Adj_RevenuePerShare=Revenue per Share/CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=21.513/333.9520*333.9520
=21.513

Current CPI (Jun. 2026) = 333.9520.

Capital One Financial Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201609 11.379 241.428 15.740
201612 12.734 241.432 17.614
201703 12.524 243.801 17.155
201706 12.224 244.955 16.665
201709 11.984 246.819 16.215
201712 12.091 246.524 16.379
201803 11.416 249.554 15.277
201806 12.608 251.989 16.709
201809 12.407 252.439 16.413
201812 12.123 251.233 16.115
201903 13.292 254.202 17.462
201906 13.329 256.143 17.378
201909 13.393 256.759 17.420
201912 14.428 256.974 18.750
202003 14.336 258.115 18.548
202006 12.747 257.797 16.513
202009 13.667 260.280 17.535
202012 13.139 260.474 16.845
202103 12.986 264.877 16.373
202106 13.532 271.696 16.633
202109 15.109 274.310 18.394
202112 16.940 278.802 20.291
202203 18.004 287.504 20.913
202206 19.836 296.311 22.356
202209 23.123 296.808 26.017
202212 22.247 296.797 25.032
202303 21.666 301.836 23.971
202306 21.679 305.109 23.728
202309 22.896 307.789 24.842
202312 22.772 306.746 24.792
202403 22.561 312.332 24.123
202406 23.069 314.175 24.521
202409 23.515 315.301 24.906
202412 25.389 315.605 26.865
202503 24.089 319.799 25.155
202506 21.421 322.561 22.177
202509 20.602 324.800 21.183
202512 20.556 324.054 21.184
202603 20.601 330.213 20.834
202606 21.513 333.952 21.513

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue 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.

Is Capital One Financial (XTER:CFX) Overvalued in 2026?

Based on GuruFocus' analysis, Capital One Financial stock appears to be overvalued. The current stock price of €191.00 is trading 17.9% above its estimated GF Value™ of €162.01.

Key valuation signals for XTER:CFX:

  • Cyclically Adjusted PS Ratio:
  • GF Value™: €162.01 vs. price of €191.00 (17.9% above fair value)
  • GF Score™: 80/100 with 3 warning signs

No single metric tells the full story. See the XTER: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

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

€191.00
Price
€162.01
GF Value