Capital One FinancialLTS:0HT4 +0.72%79 PEG Ratio is 1.79 as of Jun. 29, 2026, which is 47% above its 10-year median of 1.22. GuruFocus rates LTS:0HT4 with a GF Score™ of 79/100 and a GF Value™ of $162.85 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 234 Credit Services companies, Capital One Financial ranks worse than 70.51% on this metric.
PE Ratio without NRI / 5-Year Book Value Growth Rate*
* The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
The historical rank and industry rank for Capital One Financial's PEG Ratio or its related term are showing as below:
LTS:0HT4'
s PEG Ratio Range Over the Past 10 Years
Min: 0.47 Med: 1.22 Max: 8.39
Current: 1.78
During the past 13 years, Capital One Financial's highest PEG Ratio was 8.39. The lowest was 0.47. And the median was 1.22.
LTS:0HT4's PEG Ratio is ranked worse than 70.51% of 234
companies
in the Credit Services industry
Industry Median: 0.865
vs LTS:0HT4: 1.78
Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.
Capital One Financial (LTS:0HT4) PEG Ratio Explanation
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.
* 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.
For the Credit Services subindustry, Capital One Financial's PEG Ratio, along with its competitors' market caps and PEG Ratio 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 PEG Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Capital One Financial's PEG Ratio distribution charts can be found below:
* The bar in red indicates where Capital One Financial's PEG Ratio 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.
* Note: The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
Capital One Financial (LTS:0HT4) has a PEG Ratio of 1.79 as of Jun. 29, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Capital One Financial and its competitors. This is 47% above median its historical median of 1.22. Over the past decade, Capital One Financial's PEG Ratio has ranged from 0.47 to 8.39. According to the industry distribution chart, Capital One Financial ranks #165 out of 234 companies in the Credit Services industry, placing it in the top 70.5%.
Is Capital One Financial's PEG Ratio too high?
Capital One Financial's current PEG Ratio of 1.79 is 47% above median its 10-year median of 1.22. Over the past 10 years, this metric has ranged from a low of 0.47 to a high of 8.39. The Credit Services industry median PEG Ratio is 0.87. Capital One Financial's value of 1.79 is 106.9% above this industry median. Based on the distribution chart, Capital One Financial ranks #165 out of 234 companies in the Credit Services industry, which is below the industry midpoint. 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 PEG Ratio compare to PYPL and AFRM?
According to the Credit Services industry distribution chart, Capital One Financial ranks #165 out of 234 companies for PEG Ratio. This places Capital One Financial in the lower half of its industry. The industry median PEG Ratio is 0.87. Capital One Financial's value of 1.79 is 106.9% above this benchmark. Historically, Capital One Financial's own PEG Ratio has ranged from 0.47 to 8.39 over the past decade. While the company's 10-year median is 1.22 vs. the industry median of 0.87, 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 PEG Ratio for a Credit Services company?
The median PEG Ratio among Credit Services companies is 0.87, based on 234 companies in the industry. Companies in the top quartile (top 25%) have a PEG Ratio significantly above this median, while those in the bottom quartile fall well below. However, PEG Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Capital One Financial's current PEG Ratio of 1.79 is 106.9% 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 PEG Ratio mean?
A high PEG Ratio can signal that a stock is expensive relative to its fundamentals. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Capital One Financial and its competitors. For the Credit Services industry, the median PEG Ratio is 0.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Capital One Financial's current PEG Ratio is 1.79, which is 47% above median its own 10-year median of 1.22. 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 $162.85, compared to a current price of $204.84 — trading 25.8% above its estimated fair value. The current PEG Ratio is 1.79, which is 47% above median its 10-year median of 1.22 and 106.9% above the Credit Services industry median of 0.87. 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 PEG Ratio calculated?
PEG Ratio is calculated from a company's financial statements. For Capital One Financial (LTS:0HT4), the current PEG Ratio is 1.79 as of Jun. 29, 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 $204.84 is trading 25.8% above its estimated GF Value™ of $162.85.
GuruFocus considers Capital One Financial to be Modestly Overvalued.
Key valuation signals for LTS:0HT4:
PEG Ratio: 1.79 (47% above median its 10-year median of 1.22)
GF Value™: $162.85 vs. price of $204.84 (25.8% above fair value)
Industry Position: 106.9% above the Credit Services median (#165 of 234)
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.
79GF Score
Get the complete analysis for LTS:0HT4
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