Capital One FinancialLTS:0HT4 +0.48%75 5-Year Yield-on-Cost % is 3.31 as of Jul. 11, 2026, which is 11% below its 10-year median of 3.70. GuruFocus rates LTS:0HT4 with a GF Score™ of 75/100 and a GF Value™ of $162.31 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 210 Credit Services companies, Capital One Financial ranks worse than 60.95% on this metric.
Capital One Financial's yield on cost for the quarter that ended in Mar. 2026 was 3.31.
The historical rank and industry rank for Capital One Financial's 5-Year Yield-on-Cost % or its related term are showing as below:
LTS:0HT4'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.2 Med: 3.7 Max: 8.1
Current: 3.31
During the past 13 years, Capital One Financial's highest Yield on Cost was 8.10. The lowest was 1.20. And the median was 3.70.
LTS:0HT4's 5-Year Yield-on-Cost % is ranked worse than 60.95% of 210
companies
in the Credit Services industry
Industry Median: 4.535
vs LTS:0HT4: 3.31
Capital One Financial (LTS:0HT4) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Capital One Financial 5-Year Yield-on-Cost % Related Terms
LTS:0HT4 vs PYPL, AFRM, SYF: 5-Year Yield-on-Cost % Comparison
For the Credit Services subindustry, Capital One Financial's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Capital One Financial's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Capital One Financial's 5-Year Yield-on-Cost % falls into.
Capital One Financial 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Capital One Financial (LTS:0HT4) has a 5-Year Yield-on-Cost % of 3.31 as of Jul. 11, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Capital One Financial and its competitors. This is 11% below median its historical median of 3.70. Over the past decade, Capital One Financial's 5-Year Yield-on-Cost % has ranged from 1.20 to 8.10. According to the industry distribution chart, Capital One Financial ranks #128 out of 210 companies in the Credit Services industry, placing it in the top 61%.
Is Capital One Financial's 5-Year Yield-on-Cost % too high?
Capital One Financial's current 5-Year Yield-on-Cost % of 3.31 is 11% below median its 10-year median of 3.70. Over the past 10 years, this metric has ranged from a low of 1.20 to a high of 8.10. The Credit Services industry median 5-Year Yield-on-Cost % is 4.54. Capital One Financial's value of 3.31 is 27% below this industry median. Based on the distribution chart, Capital One Financial ranks #128 out of 210 companies in the Credit Services industry, which is below the industry midpoint. Overall, Capital One Financial has a GF Score™ of 75/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Capital One Financial's 5-Year Yield-on-Cost % compare to PYPL and AFRM?
According to the Credit Services industry distribution chart, Capital One Financial ranks #128 out of 210 companies for 5-Year Yield-on-Cost %. This places Capital One Financial in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 4.54. Capital One Financial's value of 3.31 is 27% below this benchmark. Historically, Capital One Financial's own 5-Year Yield-on-Cost % has ranged from 1.20 to 8.10 over the past decade. While the company's 10-year median is 3.70 vs. the industry median of 4.54, 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 5-Year Yield-on-Cost % for a Credit Services company?
The median 5-Year Yield-on-Cost % among Credit Services companies is 4.54, based on 210 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Capital One Financial's current 5-Year Yield-on-Cost % of 3.31 is 27% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Capital One Financial and its competitors. For the Credit Services industry, the median 5-Year Yield-on-Cost % is 4.54 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Capital One Financial's current 5-Year Yield-on-Cost % is 3.31, which is 11% below median its own 10-year median of 3.70. 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 $162.31, compared to a current price of $201.13 — trading 23.9% above its estimated fair value. The current 5-Year Yield-on-Cost % is 3.31, which is 11% below median its 10-year median of 3.70 and 27% below the Credit Services industry median of 4.54. Capital One Financial's overall GF Score™ is 75/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Capital One Financial (LTS:0HT4), the current 5-Year Yield-on-Cost % is 3.31 as of Jul. 11, 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 $201.13 is trading 23.9% above its estimated GF Value™ of $162.31.
GuruFocus considers Capital One Financial to be Modestly Overvalued.
Key valuation signals for LTS:0HT4:
5-Year Yield-on-Cost %: 3.31 (11% below median its 10-year median of 3.70)
GF Value™: $162.31 vs. price of $201.13 (23.9% above fair value)
Industry Position: 27% below the Credit Services median (#128 of 210)
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.
75GF Score
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5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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