Capital One FinancialXTER:CFX 78 Net Margin % is 14.27% as of Mar. 2026, which is 2% above its 10-year median of 14.00. GuruFocus rates XTER:CFX with a GF Score™ of 78/100 and a GF Value™ of €154.46. The stock has 3 warning signs investors should review. Among 534 Credit Services companies, Capital One Financial ranks worse than 69.29% on this metric.
The historical rank and industry rank for Capital One Financial's Net Margin % or its related term are showing as below:
XTER:CFX'
s Net Margin % Range Over the Past 10 Years
Min: 4.59 Med: 14 Max: 40.71
Current: 5.49
XTER:CFX's Net Margin % is ranked worse than 69.29% of 534
companies
in the Credit Services industry
Industry Median: 14.52
vs XTER:CFX: 5.49
Capital One Financial (XTER:CFX) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Capital One Financial Net Margin % Related Terms
Capital One Financial Net Margin % Historical Data
* Premium members only.
The historical data trend for Capital One Financial's Net Margin % 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.
XTER:CFX vs PYPL, AFRM, SYF: Net Margin % Comparison
For the Credit Services subindustry, Capital One Financial's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Capital One Financial's Net Margin % distribution charts can be found below:
* The bar in red indicates where Capital One Financial's Net Margin % falls into.
* 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 (XTER:CFX) has a Net Margin % of 14.27% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Capital One Financial and its competitors. This is near median its historical median of 14.00. Over the past decade, Capital One Financial's Net Margin % has ranged from 4.59 to 40.71. According to the industry distribution chart, Capital One Financial ranks #370 out of 534 companies in the Credit Services industry, placing it in the top 69.3%.
Is Capital One Financial's Net Margin % too high?
Capital One Financial's current Net Margin % of 14.27% is near median its 10-year median of 14.00. Over the past 10 years, this metric has ranged from a low of 4.59 to a high of 40.71. The Credit Services industry median Net Margin % is 14.52. Capital One Financial's value of 14.27% is 1.7% below this industry median. Based on the distribution chart, Capital One Financial ranks #370 out of 534 companies in the Credit Services industry, which is below the industry midpoint. 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 Net Margin % compare to PYPL and AFRM?
According to the Credit Services industry distribution chart, Capital One Financial ranks #370 out of 534 companies for Net Margin %. This places Capital One Financial in the lower half of its industry. The industry median Net Margin % is 14.52. Capital One Financial's value of 14.27% is 1.7% below this benchmark. Historically, Capital One Financial's own Net Margin % has ranged from 4.59 to 40.71 over the past decade. While the company's 10-year median is 14.00 vs. the industry median of 14.52, 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 Net Margin % for a Credit Services company?
The median Net Margin % among Credit Services companies is 14.52, based on 534 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Capital One Financial's current Net Margin % of 14.27% is 1.7% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Capital One Financial and its competitors. For the Credit Services industry, the median Net Margin % is 14.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Capital One Financial's current Net Margin % is 14.27%, which is near median its own 10-year median of 14.00. 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 (XTER:CFX) has a current Net Margin % of 14.27%. The stock's GF Value™ is €154.46, compared to a current price of €191.00 — trading 23.7% above its estimated fair value. The current Net Margin % is 14.27%, which is near median its 10-year median of 14.00 and 1.7% below the Credit Services industry median of 14.52. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Capital One Financial (XTER:CFX), the current Net Margin % is 14.27% as of Mar. 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 (XTER:CFX) Overvalued in 2026?
Based on GuruFocus' analysis, Capital One Financial stock appears to be overvalued.
The current stock price of €191.00 is trading 23.7% above its estimated GF Value™ of €154.46.
Key valuation signals for XTER:CFX:
Net Margin %: 14.27% (near median its 10-year median of 14.00)
GF Value™: €154.46 vs. price of €191.00 (23.7% above fair value)
Industry Position: 1.7% below the Credit Services median (#370 of 534)
No single metric tells the full story. See the XTER:CFX 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
Get the complete analysis for XTER:CFX
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
XTER:CFX has been successfully added to your 
