Capital One FinancialCHIX:CFXD 78 EV-to-FCF is 4.05 as of Jul. 01, 2026, which is 23% below its 10-year median of 5.23. GuruFocus rates CHIX:CFXD with a GF Score™ of 78/100 and a GF Value™ of €125.07. The stock has 3 warning signs investors should review. Among 265 Credit Services companies, Capital One Financial ranks better than 81.51% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Capital One Financial's Enterprise Value is €94,979 Mil.
Capital One Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was €23,423 Mil. Therefore, Capital One Financial's EV-to-FCF for today is 4.05.
The historical rank and industry rank for Capital One Financial's EV-to-FCF or its related term are showing as below:
CHIX:CFXd'
s EV-to-FCF Range Over the Past 10 Years
Min: 1.02 Med: 5.23 Max: 9.21
Current: 3.64
During the past 13 years, the highest EV-to-FCF of Capital One Financial was 9.21. The lowest was 1.02. And the median was 5.23.
CHIX:CFXd's EV-to-FCF is ranked better than 81.51% of 265
companies
in the Credit Services industry
Industry Median: 12.99
vs CHIX:CFXd: 3.64
EV-to-FCF 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 (CHIX:CFXd) EV-to-FCF Explanation
EV-to-FCF 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 €156.00.
Capital One Financial's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €-7.439.
* 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF 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.
CHIX:CFXD vs PYPL, AFRM, SYF: EV-to-FCF Comparison
For the Credit Services subindustry, Capital One Financial's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Capital One Financial's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Capital One Financial's EV-to-FCF falls into.
Capital One Financial's current Enterprise Value is €94,979 Mil.
Capital One Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €23,423 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 (CHIX:CFXD) has a EV-to-FCF of 4.05 as of Jul. 01, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Capital One Financial and its competitors. This is 23% below median its historical median of 5.23. Over the past decade, Capital One Financial's EV-to-FCF has ranged from 1.02 to 9.21. According to the industry distribution chart, Capital One Financial ranks #49 out of 265 companies in the Credit Services industry, placing it in the top 18.5%.
Is Capital One Financial's EV-to-FCF too high?
Capital One Financial's current EV-to-FCF of 4.05 is 23% below median its 10-year median of 5.23. Over the past 10 years, this metric has ranged from a low of 1.02 to a high of 9.21. The Credit Services industry median EV-to-FCF is 12.99. Capital One Financial's value of 4.05 is 68.8% below this industry median. Based on the distribution chart, Capital One Financial ranks #49 out of 265 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Capital One Financial has a GF Score™ of 78/100, reflecting its overall financial health beyond just this single metric.
How does Capital One Financial's EV-to-FCF compare to PYPL and AFRM?
According to the Credit Services industry distribution chart, Capital One Financial ranks #49 out of 265 companies for EV-to-FCF. This places Capital One Financial in the top 19% of its industry — outperforming the majority of peers. The industry median EV-to-FCF is 12.99. Capital One Financial's value of 4.05 is 68.8% below this benchmark. Historically, Capital One Financial's own EV-to-FCF has ranged from 1.02 to 9.21 over the past decade. While the company's 10-year median is 5.23 vs. the industry median of 12.99, 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 EV-to-FCF for a Credit Services company?
The median EV-to-FCF among Credit Services companies is 12.99, based on 265 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Capital One Financial's current EV-to-FCF of 4.05 is 68.8% 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Capital One Financial and its competitors. For the Credit Services industry, the median EV-to-FCF is 12.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Capital One Financial's current EV-to-FCF is 4.05, which is 23% below median its own 10-year median of 5.23. 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 (CHIX:CFXD) has a current EV-to-FCF of 4.05. The stock's GF Value™ is €125.07, compared to a current price of €156.00 — trading 24.7% above its estimated fair value. The current EV-to-FCF is 4.05, which is 23% below median its 10-year median of 5.23 and 68.8% below the Credit Services industry median of 12.99. Capital One Financial's overall GF Score™ is 78/100 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-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Capital One Financial (CHIX:CFXD), the current EV-to-FCF is 4.05 as of Jul. 01, 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 (CHIX:CFXD) Overvalued in 2026?
Based on GuruFocus' analysis, Capital One Financial stock appears to be overvalued.
The current stock price of €156.00 is trading 24.7% above its estimated GF Value™ of €125.07.
Key valuation signals for CHIX:CFXD:
EV-to-FCF: 4.05 (23% below median its 10-year median of 5.23)
GF Value™: €125.07 vs. price of €156.00 (24.7% above fair value)
Industry Position: 68.8% below the Credit Services median (#49 of 265)
No single metric tells the full story. See the CHIX:CFXD 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.
78GF Score
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