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Capital One FinancialLTS:0HT4 +0.11%85 3-Year EPS without NRI Growth Rate is 3.50% as of Jun. 2026, which is 78% below its 10-year median of 15.90. GuruFocus rates LTS:0HT4 with a GF Score™ of 85/100 and a GF Value™ of $182.49 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 427 Credit Services companies, Capital One Financial ranks worse than 60.89% on this metric.
During the past 12 months, Capital One Financial's average EPS without NRI Growth Rate was 16.90% per year.
During the past 3 years, the average EPS without NRI Growth Rate was 3.50% per year.
During the past 5 years, the average EPS without NRI Growth Rate was 11.20% per year.
During the past 10 years, the average EPS without NRI 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 average EPS without NRI growth rate.
During the past 13 years, the highest 3-Year average EPS without NRI Growth Rate of Capital One Financial was 73.30% per year. The lowest was -46.30% per year. And the median was 15.90% per year.
Capital One Financial (LTS:0HT4) 3-Year EPS without NRI Growth Rate Explanation
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
Capital One Financial 3-Year EPS without NRI Growth Rate Related Terms
LTS:0HT4 vs PYPL, AXP, AFRM: 3-Year EPS without NRI Growth Rate Comparison
For the Credit Services subindustry, Capital One Financial's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI Growth Rate 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 3-Year EPS without NRI Growth Rate vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Capital One Financial's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where Capital One Financial's 3-Year EPS without NRI Growth Rate falls into.
Capital One Financial 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. The growth rate is calculated using exponential compounding based on the latest four year annual data.
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 average EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of 3.50% mean?
Capital One Financial (LTS:0HT4) has a 3-Year EPS without NRI Growth Rate of 3.50% as of Jun. 2026. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Capital One Financial and its competitors. This is 78% below median its historical median of 15.90. According to the industry distribution chart, Capital One Financial ranks #260 out of 427 companies in the Credit Services industry, placing it in the top 60.9%.
Is Capital One Financial's 3-Year EPS without NRI Growth Rate too high?
Capital One Financial's current 3-Year EPS without NRI Growth Rate of 3.50% is 78% below median its 10-year median of 15.90. The Credit Services industry median 3-Year EPS without NRI Growth Rate is 11.40. Capital One Financial's value of 3.50% is 69.3% below this industry median. Based on the distribution chart, Capital One Financial ranks #260 out of 427 companies in the Credit Services industry, which is below the industry midpoint. Overall, Capital One Financial has a GF Score™ of 85/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Capital One Financial's 3-Year EPS without NRI Growth Rate compare to PYPL and AXP?
According to the Credit Services industry distribution chart, Capital One Financial ranks #260 out of 427 companies for 3-Year EPS without NRI Growth Rate. This places Capital One Financial in the lower half of its industry. The industry median 3-Year EPS without NRI Growth Rate is 11.40. Capital One Financial's value of 3.50% is 69.3% below this benchmark. While the company's 10-year median is 15.90 vs. the industry median of 11.40, 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 3-Year EPS without NRI Growth Rate for a Credit Services company?
The median 3-Year EPS without NRI Growth Rate among Credit Services companies is 11.40, based on 427 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Capital One Financial's current 3-Year EPS without NRI Growth Rate of 3.50% is 69.3% 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 3-Year EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Capital One Financial and its competitors. For the Credit Services industry, the median 3-Year EPS without NRI Growth Rate is 11.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Capital One Financial's current 3-Year EPS without NRI Growth Rate is 3.50%, which is 78% below median its own 10-year median of 15.90. 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 $182.49, compared to a current price of $219.85 — trading 20.5% above its estimated fair value. The current 3-Year EPS without NRI Growth Rate is 3.50%, which is 78% below median its 10-year median of 15.90 and 69.3% below the Credit Services industry median of 11.40. Capital One Financial's overall GF Score™ is 85/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For Capital One Financial (LTS:0HT4), the current 3-Year EPS without NRI Growth Rate is 3.50% 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 (LTS:0HT4) Overvalued in 2026?
Based on GuruFocus' analysis, Capital One Financial stock appears to be overvalued.
The current stock price of $219.85 is trading 20.5% above its estimated GF Value™ of $182.49.
GuruFocus considers Capital One Financial to be Modestly Overvalued.
Key valuation signals for LTS:0HT4:
3-Year EPS without NRI Growth Rate: 3.50% (78% below median its 10-year median of 15.90)
GF Value™: $182.49 vs. price of $219.85 (20.5% above fair value)
Industry Position: 69.3% below the Credit Services median (#260 of 427)
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.
85GF Score
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3-Year EPS without NRI Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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