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Capital One FinancialLTS:0HT4 +1.78%80 Debt-to-Equity is 0.46 as of Mar. 2026, which is 48% below its 10-year median of 0.88. GuruFocus rates LTS:0HT4 with a GF Score™ of 80/100 and a GF Value™ of $162.84 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 456 Credit Services companies, Capital One Financial ranks better than 74.12% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Capital One Financial's Debt-to-Equity or its related term are showing as below:
LTS:0HT4'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.44 Med: 0.88 Max: 1.25
Current: 0.39
During the past 13 years, the highest Debt-to-Equity Ratio of Capital One Financial was 1.25. The lowest was 0.44. And the median was 0.88.
LTS:0HT4's Debt-to-Equity is ranked better than 74.12% of 456
companies
in the Credit Services industry
Industry Median: 1.235
vs LTS:0HT4: 0.39
Capital One Financial (LTS:0HT4) Debt-to-Equity Explanation
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Capital One Financial Debt-to-Equity Related Terms
Capital One Financial Debt-to-Equity Historical Data
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The historical data trend for Capital One Financial's Debt-to-Equity 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.
LTS:0HT4 vs PYPL, AFRM, SYF: Debt-to-Equity Comparison
For the Credit Services subindustry, Capital One Financial's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Debt-to-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Capital One Financial's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Capital One Financial's Debt-to-Equity 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 Debt-to-Equity of 0.46 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Capital One Financial and its competitors. This is 48% below median its historical median of 0.88. Over the past decade, Capital One Financial's Debt-to-Equity has ranged from 0.44 to 1.25. According to the industry distribution chart, Capital One Financial ranks #118 out of 456 companies in the Credit Services industry, placing it in the top 25.9%.
Is Capital One Financial's Debt-to-Equity too high?
Capital One Financial's current Debt-to-Equity of 0.46 is 48% below median its 10-year median of 0.88. Over the past 10 years, this metric has ranged from a low of 0.44 to a high of 1.25. The Credit Services industry median Debt-to-Equity is 1.24. Capital One Financial's value of 0.46 is 62.8% below this industry median. Based on the distribution chart, Capital One Financial ranks #118 out of 456 companies in the Credit Services industry, which is above the industry midpoint. Overall, Capital One Financial has a GF Score™ of 80/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Capital One Financial's Debt-to-Equity compare to PYPL and AFRM?
According to the Credit Services industry distribution chart, Capital One Financial ranks #118 out of 456 companies for Debt-to-Equity. This puts Capital One Financial in the upper half of its industry. The industry median Debt-to-Equity is 1.24. Capital One Financial's value of 0.46 is 62.8% below this benchmark. Historically, Capital One Financial's own Debt-to-Equity has ranged from 0.44 to 1.25 over the past decade. While the company's 10-year median is 0.88 vs. the industry median of 1.24, Capital One Financial has consistently been below 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 Debt-to-Equity for a Credit Services company?
The median Debt-to-Equity among Credit Services companies is 1.24, based on 456 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Capital One Financial's current Debt-to-Equity of 0.46 is 62.8% below 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 Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Capital One Financial and its competitors. For the Credit Services industry, the median Debt-to-Equity is 1.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Capital One Financial's current Debt-to-Equity is 0.46, which is 48% below median its own 10-year median of 0.88. 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 $162.84, compared to a current price of $202.39 — trading 24.3% above its estimated fair value. The current Debt-to-Equity is 0.46, which is 48% below median its 10-year median of 0.88 and 62.8% below the Credit Services industry median of 1.24. 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 Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Capital One Financial (LTS:0HT4), the current Debt-to-Equity is 0.46 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 (LTS:0HT4) Overvalued in 2026?
Based on GuruFocus' analysis, Capital One Financial stock appears to be overvalued.
The current stock price of $202.39 is trading 24.3% above its estimated GF Value™ of $162.84.
GuruFocus considers Capital One Financial to be Modestly Overvalued.
Key valuation signals for LTS:0HT4:
Debt-to-Equity: 0.46 (48% below median its 10-year median of 0.88)
GF Value™: $162.84 vs. price of $202.39 (24.3% above fair value)
Industry Position: 62.8% below the Credit Services median (#118 of 456)
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.
80GF Score
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