Capital One FinancialFRA:CFX -0.72%80 OCF Margin % is 39.54% as of Mar. 2026, which is 20% below its 10-year median of 49.47. GuruFocus rates FRA:CFX with a GF Score™ of 80/100 and a GF Value™ of €138.48 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 531 Credit Services companies, Capital One Financial ranks better than 77.02% on this metric.
The historical rank and industry rank for Capital One Financial's OCF Margin % or its related term are showing as below:
FRA:CFX'
s OCF Margin % Range Over the Past 10 Years
Min: 40.32 Med: 49.47 Max: 58.55
Current: 49.52
During the past 13 years, the highest OCF Margin % of Capital One Financial was 58.55%. The lowest was 40.32%. And the median was 49.47%.
FRA:CFX's OCF Margin % is ranked better than 77.02% of 531
companies
in the Credit Services industry
Industry Median: 2.55
vs FRA:CFX: 49.52
Capital One Financial OCF Margin % Related Terms
Capital One Financial OCF Margin % Historical Data
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The historical data trend for Capital One Financial's OCF 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.
FRA:CFX vs PYPL, AFRM, SYF: OCF Margin % Comparison
For the Credit Services subindustry, Capital One Financial's OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Capital One Financial's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Capital One Financial's OCF 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 (FRA:CFX) has a OCF Margin % of 39.54% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Capital One Financial and its competitors. This is 20% below median its historical median of 49.47. Over the past decade, Capital One Financial's OCF Margin % has ranged from 40.32 to 58.55. According to the industry distribution chart, Capital One Financial ranks #122 out of 531 companies in the Credit Services industry, placing it in the top 23%.
Is Capital One Financial's OCF Margin % too high?
Capital One Financial's current OCF Margin % of 39.54% is 20% below median its 10-year median of 49.47. Over the past 10 years, this metric has ranged from a low of 40.32 to a high of 58.55. The Credit Services industry median OCF Margin % is 2.55. Capital One Financial's value of 39.54% is 1450.6% above this industry median. Based on the distribution chart, Capital One Financial ranks #122 out of 531 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 80/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Capital One Financial's OCF Margin % compare to PYPL and AFRM?
According to the Credit Services industry distribution chart, Capital One Financial ranks #122 out of 531 companies for OCF Margin %. This places Capital One Financial in the top 23% of its industry — outperforming the majority of peers. The industry median OCF Margin % is 2.55. Capital One Financial's value of 39.54% is 1450.6% above this benchmark. Historically, Capital One Financial's own OCF Margin % has ranged from 40.32 to 58.55 over the past decade. While the company's 10-year median is 49.47 vs. the industry median of 2.55, Capital One Financial has consistently been above 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 OCF Margin % for a Credit Services company?
The median OCF Margin % among Credit Services companies is 2.55, based on 531 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Capital One Financial's current OCF Margin % of 39.54% is 1450.6% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Capital One Financial and its competitors. For the Credit Services industry, the median OCF Margin % is 2.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Capital One Financial's current OCF Margin % is 39.54%, which is 20% below median its own 10-year median of 49.47. 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 (FRA:CFX) is currently considered Modestly Overvalued. The stock's GF Value™ is €138.48, compared to a current price of €171.70 — trading 24% above its estimated fair value. The current OCF Margin % is 39.54%, which is 20% below median its 10-year median of 49.47 and 1450.6% above the Credit Services industry median of 2.55. Capital One Financial's overall GF Score™ is 80/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Capital One Financial (FRA:CFX), the current OCF Margin % is 39.54% 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 (FRA:CFX) Overvalued in 2026?
Based on GuruFocus' analysis, Capital One Financial stock appears to be overvalued.
The current stock price of €171.70 is trading 24% above its estimated GF Value™ of €138.48.
GuruFocus considers Capital One Financial to be Modestly Overvalued.
Key valuation signals for FRA:CFX:
OCF Margin %: 39.54% (20% below median its 10-year median of 49.47)
GF Value™: €138.48 vs. price of €171.70 (24% above fair value)
Industry Position: 1450.6% above the Credit Services median (#122 of 531)
No single metric tells the full story. See the FRA: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.
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