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Capital One FinancialLTS:0HT4 -0.35%83 EV-to-OCF is 3.76 as of Aug. 03, 2026, which is 23% below its 10-year median of 4.89. GuruFocus rates LTS:0HT4 with a GF Score™ of 83/100 and a GF Value™ of $177.43 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 544 Credit Services companies, Capital One Financial ranks worse than 60.29% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Capital One Financial's Enterprise Value is $118,187 Mil.
Capital One Financial's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was $31,452 Mil. Therefore, Capital One Financial's EV-to-OCF for today is 3.76.
The historical rank and industry rank for Capital One Financial's EV-to-OCF or its related term are showing as below:
LTS:0HT4'
s EV-to-OCF Range Over the Past 10 Years
Min: 0.97 Med: 4.89 Max: 8.69
Current: 3.76
During the past 13 years, the highest EV-to-OCF of Capital One Financial was 8.69. The lowest was 0.97. And the median was 4.89.
LTS:0HT4's EV-to-OCF is ranked worse than 60.29% of 544
companies
in the Credit Services industry
Industry Median: -0.815
vs LTS:0HT4: 3.76
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Capital One Financial (LTS:0HT4) EV-to-OCF Explanation
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Capital One Financial's PE Ratio (TTM) for today is calculated as:
Capital One Financial's share price for today is $207.95.
Capital One Financial's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $16.160.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
* 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.
For the Credit Services subindustry, Capital One Financial's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Capital One Financial's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Capital One Financial's EV-to-OCF falls into.
Capital One Financial's current Enterprise Value is $118,187 Mil.
Capital One Financial's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $31,452 Mil.
* 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 EV-to-OCF of 3.76 as of Aug. 03, 2026. This is 23% below median its historical median of 4.89. Over the past decade, Capital One Financial's EV-to-OCF has ranged from 0.97 to 8.69. According to the industry distribution chart, Capital One Financial ranks #328 out of 544 companies in the Credit Services industry, placing it in the top 60.3%.
Is Capital One Financial's EV-to-OCF too high?
Capital One Financial's current EV-to-OCF of 3.76 is 23% below median its 10-year median of 4.89. Over the past 10 years, this metric has ranged from a low of 0.97 to a high of 8.69. Based on the distribution chart, Capital One Financial ranks #328 out of 544 companies in the Credit Services industry, which is below the industry midpoint. Overall, Capital One Financial has a GF Score™ of 83/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Capital One Financial's EV-to-OCF compare to PYPL and AXP?
According to the Credit Services industry distribution chart, Capital One Financial ranks #328 out of 544 companies for EV-to-OCF. This places Capital One Financial in the lower half of its industry. Historically, Capital One Financial's own EV-to-OCF has ranged from 0.97 to 8.69 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Credit Services company?
A good EV-to-OCF depends on the Credit Services industry context. However, EV-to-OCF 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. Capital One Financial's current EV-to-OCF is 3.76, which is 23% below median its own 10-year median of 4.89. 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 $177.43, compared to a current price of $207.95 — trading 17.2% above its estimated fair value. The current EV-to-OCF is 3.76, which is 23% below median its 10-year median of 4.89. Capital One Financial's overall GF Score™ is 83/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Capital One Financial (LTS:0HT4), the current EV-to-OCF is 3.76 as of Aug. 03, 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 $207.95 is trading 17.2% above its estimated GF Value™ of $177.43.
GuruFocus considers Capital One Financial to be Modestly Overvalued.
Key valuation signals for LTS:0HT4:
EV-to-OCF: 3.76 (23% below median its 10-year median of 4.89)
GF Value™: $177.43 vs. price of $207.95 (17.2% above fair value)
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.
83GF Score
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