Capital One Financial (XBUL:CFX) E10: лв12.50 (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
82 GF Score
Price лв185.00
GF Value лв156.16
! 4 Warning Signs
View Full Analysis

What is Capital One Financial E10?

Capital One Financial XBUL:CFX 82 E10 is лв12.50 as of Jun. 2026. GuruFocus rates XBUL:CFX with a GF Score™ of 82/100 and a GF Value™ of лв156.16. The stock has 4 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Capital One Financial's adjusted earnings per share data for the three months ended in Jun. 2026 was лв8.024. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is лв12.50 for the trailing ten years ended in Jun. 2026.

During the past 12 months, Capital One Financial's average E10 Growth Rate was 8.70% per year. During the past 3 years, the average E10 Growth Rate was 2.40% per year. During the past 5 years, the average E10 Growth Rate was 9.80% per year. During the past 10 years, the average E10 Growth Rate was 11.20% 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 E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Capital One Financial was 25.70% per year. The lowest was -1.10% per year. And the median was 7.15% per year.

As of today (2026-08-30), Capital One Financial's current stock price is лв185.00. Capital One Financial's E10 for the quarter that ended in Jun. 2026 was лв12.50. Capital One Financial's Shiller PE Ratio of today is 14.80.

During the past 13 years, the highest Shiller PE Ratio of Capital One Financial was 19.75. The lowest was 5.64. And the median was 13.33.


Capital One Financial  (XBUL:CFX) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Capital One Financial's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=185.00/12.50
=14.80

* 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 Shiller P/E Ratio of Capital One Financial was 19.75. The lowest was 5.64. And the median was 13.33.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Capital One Financial E10 Related Terms


Capital One Financial E10 Historical Data

* Premium members only.

The historical data trend for Capital One Financial's E10 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 E10 Chart

Capital One Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 8.94 9.81

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
E10 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 8.15 11.11 9.81 13.37 12.50

XBUL:CFX vs PYPL, AXP, SYF: E10 Comparison

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

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

* The bar in red indicates where Capital One Financial's Shiller PE Ratio falls into.


XBUL:CFX
82GF Score
Capital One Financial Corp XBUL:CFX
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Capital One Financial E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

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 earnings per share data for the three months ended in Jun. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=8.024/333.9520*333.9520
=8.024

Current CPI (Jun. 2026) = 333.9520.

Capital One Financial Quarterly Data

per share eps CPI Adj_EPS
201609 3.223 241.428 4.458
201612 2.460 241.432 3.403
201703 2.612 243.801 3.578
201706 3.291 244.955 4.487
201709 3.630 246.819 4.911
201712 -3.681 246.524 -4.986
201803 4.444 249.554 5.947
201806 6.294 251.989 8.341
201809 5.072 252.439 6.710
201812 4.207 251.233 5.592
201903 4.852 254.202 6.374
201906 5.496 256.143 7.166
201909 4.563 256.759 5.935
201912 3.817 256.974 4.960
202003 -5.259 258.115 -6.804
202006 -3.749 257.797 -4.856
202009 8.584 260.280 11.014
202012 9.076 260.474 11.636
202103 11.925 264.877 15.035
202106 12.926 271.696 15.888
202109 11.501 274.310 14.002
202112 9.177 278.802 10.992
202203 9.534 287.504 11.074
202206 8.414 296.311 9.483
202209 7.125 296.808 8.017
202212 5.140 296.797 5.783
202303 3.919 301.836 4.336
202306 5.971 305.109 6.535
202309 7.549 307.789 8.191
202312 2.833 306.746 3.084
202403 5.310 312.332 5.678
202406 2.341 314.175 2.488
202409 7.481 315.301 7.924
202412 4.529 315.605 4.792
202503 5.852 319.799 6.111
202506 -14.555 322.561 -15.069
202509 8.193 324.800 8.424
202512 5.530 324.054 5.699
202603 5.666 330.213 5.730
202606 8.024 333.952 8.024

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of лв12.50 mean?
Capital One Financial (XBUL:CFX) has a E10 of лв12.50 as of Jun. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Capital One Financial and its competitors.
Is Capital One Financial's E10 too high?
Capital One Financial's current E10 is лв12.50. Overall, Capital One Financial has a GF Score™ of 82/100, reflecting its overall financial health beyond just this single metric.
How does Capital One Financial's E10 compare to PYPL and AXP?
Capital One Financial's E10 of лв12.50 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 E10 for a Credit Services company?
A good E10 depends on the Credit Services industry context. However, E10 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 E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Capital One Financial and its competitors. Capital One Financial's current E10 is лв12.50. 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 E10 of лв12.50. The stock's GF Value™ is лв156.16, compared to a current price of лв185.00 — trading 18.5% above its estimated fair value. The current E10 is лв12.50. Capital One Financial's overall GF Score™ is 82/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For Capital One Financial (XBUL:CFX), the current E10 is лв12.50 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 18.5% above its estimated GF Value™ of лв156.16.

Key valuation signals for XBUL:CFX:

  • E10: лв12.50
  • GF Value™: лв156.16 vs. price of лв185.00 (18.5% above fair value)
  • GF Score™: 82/100 with 4 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.
82GF Score

Get the complete analysis for XBUL:CFX

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

лв185.00
Price
лв156.16
GF Value