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Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.
The historical rank and industry rank for Capital One Financial's Intrinsic Value: Projected FCF or its related term are showing as below:
LTS:0HT4'
s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.12 Med: 0.26 Max: 0.49
Current: 0.41
During the past 13 years, the highest Price-to-Intrinsic-Value-Projected-FCF of Capital One Financial was 0.49. The lowest was 0.12. And the median was 0.26.
LTS:0HT4's Price-to-Projected-FCF is ranked better than 65.05% of 309
companies
in the Credit Services industry
Industry Median: 0.73
vs LTS:0HT4: 0.41
Capital One Financial (LTS:0HT4) Intrinsic Value: Projected FCF Explanation
The growth multiple is capped between 8.35 and 17.74.
Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.
Capital One Financial's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as
Price-to-Intrinsic-Value-Projected-FCF
=
Share Price
/
Intrinsic Value: Projected FCF
=
208.42
/
503.72956492105
=
0.41
* 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 Intrinsic Value: Projected FCF Related Terms
Capital One Financial Intrinsic Value: Projected FCF Historical Data
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The historical data trend for Capital One Financial's Intrinsic Value: Projected FCF 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 Intrinsic Value: Projected FCF Chart
LTS:0HT4 vs PYPL, AXP, AFRM: Intrinsic Value: Projected FCF Comparison
For the Credit Services subindustry, Capital One Financial's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-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 Price-to-Projected-FCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Capital One Financial's Price-to-Projected-FCF distribution charts can be found below:
* The bar in red indicates where Capital One Financial's Price-to-Projected-FCF falls into.
Capital One Financial Intrinsic Value: Projected FCF Calculation
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.
The details of how we calculate the intrinsic value of stocks are described in detail here.
This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.
* 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.
What does a Intrinsic Value: Projected FCF of $504.02 mean?
Capital One Financial (LTS:0HT4) has a Intrinsic Value: Projected FCF of $504.02 as of Sep. 13, 2026. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Capital One Financial and its competitors. According to the industry distribution chart, Capital One Financial ranks #108 out of 309 companies in the Credit Services industry, placing it in the top 35%.
Is Capital One Financial's Intrinsic Value: Projected FCF too high?
Capital One Financial's current Intrinsic Value: Projected FCF is $504.02. The Credit Services industry median Intrinsic Value: Projected FCF is 0.73. Capital One Financial's value of $504.02 is 68943.8% above this industry median. Based on the distribution chart, Capital One Financial ranks #108 out of 309 companies in the Credit Services industry, which is above the industry midpoint. Overall, Capital One Financial has a GF Score™ of 84/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Capital One Financial's Intrinsic Value: Projected FCF compare to PYPL and AXP?
According to the Credit Services industry distribution chart, Capital One Financial ranks #108 out of 309 companies for Intrinsic Value: Projected FCF. This puts Capital One Financial in the upper half of its industry. The industry median Intrinsic Value: Projected FCF is 0.73. Capital One Financial's value of $504.02 is 68943.8% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Intrinsic Value: Projected FCF for a Credit Services company?
The median Intrinsic Value: Projected FCF among Credit Services companies is 0.73, based on 309 companies in the industry. Companies in the top quartile (top 25%) have a Intrinsic Value: Projected FCF significantly above this median, while those in the bottom quartile fall well below. However, Intrinsic Value: Projected FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Capital One Financial's current Intrinsic Value: Projected FCF of $504.02 is 68943.8% above 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 Intrinsic Value: Projected FCF mean?
A high Intrinsic Value: Projected FCF can signal that a stock is expensive relative to its fundamentals. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Capital One Financial and its competitors. For the Credit Services industry, the median Intrinsic Value: Projected FCF is 0.73 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Capital One Financial's current Intrinsic Value: Projected FCF is $504.02. 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 $182.80, compared to a current price of $208.42 — trading 14% above its estimated fair value. The current Intrinsic Value: Projected FCF is $504.02 and 68943.8% above the Credit Services industry median of 0.73. Capital One Financial's overall GF Score™ is 84/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Intrinsic Value: Projected FCF calculated?
Intrinsic Value: Projected FCF is calculated from a company's financial statements. For Capital One Financial (LTS:0HT4), the current Intrinsic Value: Projected FCF is $504.02 as of Sep. 13, 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 $208.42 is trading 14% above its estimated GF Value™ of $182.80.
GuruFocus considers Capital One Financial to be Modestly Overvalued.
Key valuation signals for LTS:0HT4:
Intrinsic Value: Projected FCF: $504.02
GF Value™: $182.80 vs. price of $208.42 (14% above fair value)
Industry Position: 68943.8% above the Credit Services median (#108 of 309)
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.
84GF Score
Get the complete analysis for LTS:0HT4
Intrinsic Value: Projected FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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