Capital One Financial (LTS:0HT4) Scaled Net Operating Assets: 0.13 (As of Mar. 2026)


LTS:0HT4 Capital One Financial Corp LTS:0HT4
79 GF Score
Price $204.84
GF Value $162.85
Valuation Modestly Overvalued
! 3 Warning Signs
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What is Capital One Financial Scaled Net Operating Assets?

Capital One Financial LTS:0HT4 +0.72% 79 Scaled Net Operating Assets is 0.13 as of Mar. 2026. 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Capital One Financial's operating assets for the quarter that ended in Mar. 2026 was $604,193 Mil. Capital One Financial's operating liabilities for the quarter that ended in Mar. 2026 was $519,382 Mil. Capital One Financial's Total Assets for the quarter that ended in Dec. 2025 was $669,009 Mil. Therefore, Capital One Financial's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.13.

LTS:0HT4
79GF Score
Capital One Financial Corp LTS:0HT4
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Capital One Financial Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Capital One Financial's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(611575-504980)/490144
=0.22

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=669009 - 57434
=611575

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=555393 - 49913 - 500
=504980

Capital One Financial's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(604193-519382)/669009
=0.13

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=682905 - 78712
=604193

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=570644 - 51262 - 0
=519382

* 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 Scaled Net Operating Assets of 0.13 mean?
Capital One Financial (LTS:0HT4) has a Scaled Net Operating Assets of 0.13 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Capital One Financial and its competitors.
Is Capital One Financial's Scaled Net Operating Assets too high?
Capital One Financial's current Scaled Net Operating Assets is 0.13. 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 Scaled Net Operating Assets compare to PYPL and AFRM?
Capital One Financial's Scaled Net Operating Assets of 0.13 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Credit Services company?
A good Scaled Net Operating Assets depends on the Credit Services industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Capital One Financial and its competitors. Capital One Financial's current Scaled Net Operating Assets is 0.13. 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 Scaled Net Operating Assets is 0.13. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Capital One Financial (LTS:0HT4), the current Scaled Net Operating Assets is 0.13 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 (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:

  • Scaled Net Operating Assets: 0.13
  • GF Value™: $162.85 vs. price of $204.84 (25.8% 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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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$204.84
Price
$162.85
GF Value