Capital One Financial has the GF Score of 77, which implies that the company
is
Likely to have average performance.
The GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation, which has been found to be closely correlated to the long-term performances of stocks by backtesting from 2006 to 2021. The stocks with a higher GF Score generally generate higher returns than those with lower GF Scores. Therefore, when picking stocks, investors should invest in companies with high GF Scores. The GF Score ranges from 0 to 100, with 100 as the highest rank.
GF Score takes following five key aspects into consideration:
Each one of these components is ranked and the ranks also have positive correlation with the long term performances of stocks. The GF score is calculated using the five key aspects of analysis. Through backtesting, we know that each of these key aspects has a different impact on the stock price performance. Thus, they are weighted differently when calculating the total score. The Profitability Rank and the Growth Rank are weighted fully, while other parameters have less weight.
Based on research and backtesting result, GuruFocus believes Capital One Financial
is
Likely to have average performance.
Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.
Capital One Financial (CHIX:CFXd) GF Score Explanation
Based on the historical long-term performances among five valuation aspects, the GF Score is found to be closely correlated to the long-term performances of stocks. It ranges from 0 to 100, with 100 as the highest. GuruFocus divided GF Score into following 5 categories:
GF Score
Performance Potential and All-in-One Screener Examples (1)
(1) These are some simple examples. You can access our GF Score filter under All-in-One Screener’s Fundamental tab.
Capital One Financial GF Score Related Terms
CHIX:CFXD vs PYPL, AFRM, SYF: GF Score Comparison
For the Credit Services subindustry, Capital One Financial's GF Score, along with its competitors' market caps and GF Score 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 GF Score vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Capital One Financial's GF Score distribution charts can be found below:
* The bar in red indicates where Capital One Financial's GF Score falls into.
Capital One Financial (CHIX:CFXD) has a GF Score of 77 as of Jul. 04, 2026. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Capital One Financial and its competitors. This is near median its historical median of 85.00. Over the past decade, Capital One Financial's GF Score has ranged from 54.00 to 88.00.
Is Capital One Financial's GF Score too high?
Capital One Financial's current GF Score of 77 is near median its 10-year median of 85.00. Over the past 10 years, this metric has ranged from a low of 54.00 to a high of 88.00. Overall, Capital One Financial has a GF Score™ of 77/100, reflecting its overall financial health beyond just this single metric.
How does Capital One Financial's GF Score compare to PYPL and AFRM?
Capital One Financial's GF Score of 77 can be compared against companies in the Credit Services industry. Historically, Capital One Financial's own GF Score has ranged from 54.00 to 88.00 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 GF Score for a Credit Services company?
A good GF Score depends on the Credit Services industry context. However, GF Score 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 GF Score mean?
A high GF Score can signal that a stock is expensive relative to its fundamentals. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Capital One Financial and its competitors. Capital One Financial's current GF Score is 77, which is near median its own 10-year median of 85.00. 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 GF Score of 77. The stock's GF Value™ is €123.54, compared to a current price of €156.00 — trading 26.3% above its estimated fair value. The current GF Score is 77, which is near median its 10-year median of 85.00. Capital One Financial's overall GF Score™ is 77/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is GF Score calculated?
GF Score is calculated from a company's financial statements. For Capital One Financial (CHIX:CFXD), the current GF Score is 77 as of Jul. 04, 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 26.3% above its estimated GF Value™ of €123.54.
Key valuation signals for CHIX:CFXD:
GF Score: 77 (near median its 10-year median of 85.00)
GF Value™: €123.54 vs. price of €156.00 (26.3% above fair value)
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.
77GF Score
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