Capital One Financial (LTS:0HT4) Moat Score: 6/10 (As of Jun. 30, 2026)


LTS:0HT4 Capital One Financial Corp LTS:0HT4
79 GF Score
Price $203.52
GF Value $163.17
Valuation Modestly Overvalued
! 3 Warning Signs
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What is Capital One Financial Moat Score?

Capital One Financial LTS:0HT4 -0.64% 79 Moat Score is 6 as of Jun. 30, 2026. GuruFocus rates LTS:0HT4 with a GF Score™ of 79/100 and a GF Value™ of $163.17 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 566 Credit Services companies, Capital One Financial ranks better than 98.94% on this metric.

Capital One Financial has the Moat Score of 6, which implies that the company might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

Capital One Financial has Narrow Moat: Capital One benefits from a strong brand and customer loyalty in the financial sector. It has a solid distribution network and economies of scale. However, it faces significant competition and lacks the regulatory barriers or network effects that would elevate it to a wide moat. Its pricing power is moderate, supported by its brand and customer base.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Capital One Financial might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

Capital One Financial  (LTS:0HT4) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Capital One Financial Moat Score Related Terms

LTS:0HT4 vs PYPL, AFRM, SYF: Moat Score Comparison

For the Credit Services subindustry, Capital One Financial's Moat Score, along with its competitors' market caps and Moat 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 Moat Score vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Capital One Financial's Moat Score distribution charts can be found below:

* The bar in red indicates where Capital One Financial's Moat Score falls into.


LTS:0HT4
79GF Score
Capital One Financial Corp LTS:0HT4
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 6 mean?
Capital One Financial (LTS:0HT4) has a Moat Score of 6 as of Jun. 30, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Capital One Financial ranks #6 out of 566 companies in the Credit Services industry, placing it in the top 1.1%.
Is Capital One Financial's Moat Score too high?
Capital One Financial's current Moat Score is 6. Based on the distribution chart, Capital One Financial ranks #6 out of 566 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 79/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Capital One Financial's Moat Score compare to PYPL and AFRM?
According to the Credit Services industry distribution chart, Capital One Financial ranks #6 out of 566 companies for Moat Score. This places Capital One Financial in the top 1% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Credit Services company?
A good Moat Score depends on the Credit Services industry context. However, Moat 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Capital One Financial's current Moat Score is 6. 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 $163.17, compared to a current price of $203.52 — trading 24.7% above its estimated fair value. The current Moat Score is 6. Capital One Financial's overall GF Score™ is 79/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Capital One Financial (LTS:0HT4), the current Moat Score is 6 as of Jun. 30, 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 $203.52 is trading 24.7% above its estimated GF Value™ of $163.17. GuruFocus considers Capital One Financial to be Modestly Overvalued.

Key valuation signals for LTS:0HT4:

  • Moat Score: 6
  • GF Value™: $163.17 vs. price of $203.52 (24.7% above fair value)
  • GF Score™: 79/100 with 3 warning signs

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 Business Description

Address 1680 Capital One Drive, McLean, VA, USA, 22102
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.
79GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$203.52
Price
$163.17
GF Value