Capital One Financial's Competitiveness
A competitive positioning analysis and financial ratio benchmarking of Capital One Financial (COF) against its publicly traded competitors: sales growth, net income, profitability, valuation and market share, plus each peer's market capitalization, revenue, income and employees. Free below: the top 5 peers. Subscriber access adds the full competitor list and CSV downloads.
Key Findings: Capital One Financial vs Its Competitors
- TTM: Trailing 12-month revenue of 54,798M vs 991,747M combined for its competitors (5.2% combined share).
- Trending: Latest-quarter revenue run-rate is accelerating (+19.3% annualized vs trailing 12 months), vs decelerating (-3.6%) for its tracked peer group.
- Growth: Capital One Financial generated 29.3% revenue growth year over year in Q3 2026, vs 0.9% for its competitors combined.
- Profitability: Its 21.7% net margin compares with 20.7% for the peer group.
- Scale: Capital One Financial ranks #5 of 84 companies by market capitalization in the Commercial Banks industry, holding 5.3% of industry market cap.
- Peer revenue share: Capital One Financial accounted for 6.4% of combined revenue among its tracked peer group, up from 5.1% a year earlier.
- Peer differentiation: Revenue per employee of $0.72M compares with $0.63M for the peer group (1.1x).
- Structure: Capital One Financial operates in the following segments: Credit Card, Consumer Banking, Commercial Banking, Corporate and Unallocated.
Every figure above is sourced and cited in detail further down this page (Market Structure, Profitability & Cost Structure, Productivity vs Peers).
COF Sales vs. its Competitors, Q3 2026
Capital One Financial reported revenue growth of 29.25 % year on year in Q3 2026, above its competitors' combined revenue growth of 0.91 %.
With a net margin of 21.65 %, Capital One Financial achieved higher profitability than its competitors (20.66 %).
Capital One Financial generated 6.40 % of the combined sales of its peer group, up from 5.07 % a year earlier.
Capital One Financial vs. its Competitors, Q3 2026
Revenue growth, year on year
Net income growth, year on year
Net margin
Revenue run-rate vs trailing 12 months
TTM net margin
TTM = trailing twelve months. Run-rate annualizes the latest quarter (×4) and compares it to TTM. In millions of $. High-Confidence Competitors are named as a competitor directly in Capital One Financial reports; Similar-Size Competitors are the closest peers by market-cap rank within the same industry; Similar Growth & Profitability Competitors are the closest peers by combined revenue growth, operating margin and ROIC, all independent of the competitor list.
TTM revenue, latest-quarter run-rate and net income/margin benchmarked across Capital One Financial and its 4 competitor groupings. Available under Commercial License.
| Entity | TTM Revenue | Rev Run-rate vs TTM |
|---|---|---|
| Capital one financial corp | $12,345M | +12.3% · Accelerating |
| Competitors combined | $12,345M | +12.3% · Accelerating |
| High-Confidence Competitors (1) | $12,345M | +12.3% · Accelerating |
| Similar-Size Competitors (6) | $12,345M | +12.3% · Accelerating |
TTM revenue, run-rate and net margin benchmarking across Capital One Financial's competitor groups requires a Commercial License.
For context: the Commercial Banks industry grew revenue -5.7% year over year, combined, vs 29.3% for Capital One Financial. Capital One Financial's share of combined industry revenue moved from 4.55% to 6.23%, a gain of 1.68 percentage points.
Capital One Financial's Competitor Quality Breadth
Group definitions: see Methodology: Performance Group Definitions.
| Entity | Profitable | Expanding | Above Industry Growth | Distressed |
|---|---|---|---|---|
| Capital one financial corp | Yes | Yes | Yes | No |
| Competitors combined (242) | ||||
| High-Confidence Competitors (10) | ||||
| Similar-Size Competitors (9) |
Source: CSIMarket API, trailing 12 months. Altman Z-Score is not shown here: it is not populated in the underlying data for any company. Percentages are of companies in each group that report the relevant metric, not of the full group size.
COF Stock Performance relative to its Competitors
COF Stock Performance relative to High-Confidence Competitors
COF Stock Performance relative to Similar-Size Competitors
5 Best-Performing Tracked Competitors, Trailing 12 Months
| # | Competitor | TTM Share Price Return | vs U.S.A. 500 |
|---|---|---|---|
| 1 | Brookline Bancorp inc | 282.9% | Outperformed |
| 2 | Old Point Financial Corp | 282.9% | Outperformed |
| 3 | Optimumbank Holdings Inc | 282.9% | Outperformed |
| 4 | Lionsgate Studios Corp | 282.9% | Outperformed |
| 5 | Eagle Bancorp Inc | 282.9% | Outperformed |
TTM share price return and U.S.A. 500 outperformance for Capital One Financial's best-performing competitors requires a Commercial License.
Source: CSIMarket API, trailing 12 months.
Capital One Financial's Comment on Competition and Industry Peers
Each of our business segments operates in a highly competitive environment, and we face competition in all aspects of our business from numerous bank and non-bank providers of financial services.
Our Credit Card business competes with international, national, regional and local issuers of Visa and MasterCard credit cards, as well as with American Express®, Discover Card®, private-label card brands, and, to a certain extent, issuers of debit cards. In general, customers are attracted to credit card issuers largely on the basis of price, credit limit and other product features.
Our Consumer Banking and Commercial Banking businesses compete with national and state banks and direct banks for deposits, commercial and auto loans, mortgages and trust accounts and with savings and loan associations and credit unions for loans and deposits. Our competitors also include automotive finance companies, mortgage banking companies and other financial services providers that provide loans, deposits, and other similar services and products. In addition, we compete against non-depository institutions that are able to offer these products and services. Securities firms and insurance companies that elect to become financial holding companies may acquire banks and other financial institutions. Combinations of this type could significantly change the competitive environment in which we conduct business. The financial services industry is also likely to become more competitive as further technological advances enable more companies to provide financial services. These technological advances may diminish the importance of depository institutions and other financial intermediaries in the transfer of funds between parties. In addition, competition among direct banks is intense because online banking provides customers the ability to rapidly deposit and withdraw funds and open and close accounts in favor of products and services offered by competitors.
Our businesses generally compete on the basis of the quality and range of
their products and services, transaction execution, innovation and price. Competition
varies based on the types of clients, customers, industries and geographies
served. Our ability to compete depends, in part, on our ability to attract and
retain our professional and other associates and on our reputation. In the current
environment, customers are generally attracted to depository institutions that
are perceived as stable, with solid liquidity and funding.
We believe that we are able to compete effectively in our current markets.
Publicly Traded Peers of Capital one financial corp
Revenue and income for trailing 12 months, in millions of $, except employees| Company | Market Cap | Revenues |
|---|---|---|
 Capital one financial corp |
128,793.45 | 54,798.00 |
 Jpmorgan Chase and Co |
927,902.14 | 190,733.00 |
 Bank Of America Corporation |
370,029.42 | 122,968.00 |
 Wells Fargo and Company |
266,701.10 | 85,055.00 |
 American Express Company |
225,281.13 | 103,594.00 |
 Citigroup inc |
218,824.45 | 91,360.00 |
| SUBTOTAL | 3,699,079.52 | 1,754,683.65 |
Sign in to see all competitors of Capital one financial corp.
Sources: see Methodology: Peer & Competitor Identification, Sourcing.
Updated on:
Focus of this report: publicly traded companies. Ten additional tables on Capital one financial corp versus competitors, including market share analysis, are in the navigation menu under Competition. To download the tables, please subscribe.
Capital One Financial's Competitors Named by the Company
Competitive relationships identified from Capital One Financial reports and corroborating sources, each with a basis and confidence.| Competitor | Basis | Confidence |
|---|---|---|
| Affirm Holdings Inc | Company report | 85% |
| Fvcbankcorp Inc | Company report | 85% |
| Discover Financial Services | Company report | 85% |
| Bankunited inc | Company report | 85% |
| Klarna Group Plc | Company report | 85% |
| FB Bancorp, Inc. /MD/ | Company report | 85% |
| Chime Financial Inc | Company report | 85% |
| American Express Company | Company report | 85% |
| Visa Inc | Company report | 85% |
| Ponce Financial Group Inc | Company report | 85% |
| Vroom Inc | Company report | 85% |
| Financial Institutions Inc | Company report | 85% |
| Global Payments Inc | Company report | 85% |
| Synchrony Financial | Company report | 85% |
| Bank Bradesco | Company report | 85% |
| Pnc Financial Services Group Inc | Company report | 85% |
| M and t Bank Corporation | Company report | 85% |
| Pennymac Financial Services inc | Company report | 85% |
| Keycorp | Company report | 85% |
| Us Bancorp De | Company report | 85% |
| Walker and Dunlop Inc | Company report | 85% |
| Credit Acceptance Corp | Company report | 85% |
| Truist Financial Corporation | Company report | 85% |
| Regions Financial Corporation | Company report | 85% |
| Comerica Incorporated | Company report | 85% |
| Nelnet Inc | Company report | 85% |
| Pacwest Bancorp | Company report | 85% |
| Fifth Third Bancorp | Company report | 85% |
| Wells Fargo and Company | Company report | 85% |
| Santander Consumer Usa Holdings Inc | Company report | 85% |
| Navient Corporation | Company report | 85% |
| Huntington Bancshares Incorporated | Company report | 85% |
| Jpmorgan Chase and Co | Company report | 85% |
| Wintrust Financial Corp | Company report | 85% |
| Tcf Financial Corporation | Company report | 85% |
| Investors Bancorp Inc | Company report | 85% |
| Bank Of South Carolina Corporation | Company report | 85% |
| Texas Capital Bancshares Inc | Company report | 85% |
| Macatawa Bank Corp | Company report | 85% |
| Sierra Bancorp | Company report | 85% |
| Univest Financial Corporation | Company report | 85% |
| Northwest Bancshares inc | Company report | 85% |
| East West Bancorp inc | Company report | 85% |
| Cathay General Bancorp | Company report | 85% |
| Wesbanco Inc | Company report | 85% |
| Pacific Premier Bancorp Inc | Company report | 85% |
| First Horizon Corp | Company report | 85% |
| First Citizens Banc Corp | Company report | 85% |
| Southside Bancshares Inc | Company report | 85% |
| First Merchants Corp | Company report | 85% |
| Ford Motor Credit Company Llc | Company report | 85% |
| Associated Banc corp | Company report | 85% |
| Cornerstone Bancshares Inc | Company report | 85% |
| Hope Bancorp Inc | Company report | 85% |
| Bbva Usa Bancshares Inc | Company report | 85% |
| Sterling Bancorp | Company report | 85% |
| Independent Bank Group Inc | Company report | 85% |
| Live Oak Bancshares Inc | Company report | 85% |
| Boston private financial holdings inc | Company report | 85% |
| United Bankshares Inc | Company report | 85% |
| National Bank Holdings Corp | Company report | 85% |
| Cvb Financial Corp | Company report | 85% |
| Citigroup inc | Company report | 85% |
| Western Alliance Bancorporation | Company report | 85% |
| Peoples United Financial Inc | Company report | 85% |
| First Financial Bancorp | Company report | 85% |
| City Holding Company | Company report | 85% |
| General Motors Company | Company report | 85% |
| Sandy Spring Bancorp Inc | Company report | 85% |
| Franklin Financial Services Corporation | Company report | 85% |
| Ameris Bancorp | Company report | 85% |
| Svb Financial Group | Company report | 85% |
| Hanmi Financial Corporation | Company report | 85% |
| Bancfirst Corporation | Company report | 85% |
| Southstate Bank Corp | Company report | 85% |
| Hancock Whitney Corporation | Company report | 85% |
| Investar Holding Corporation | Company report | 85% |
| Bank Of Hawaii Corporation | Company report | 85% |
| First Financial Corporation | Company report | 85% |
| Mechanics Bancorp | Company report | 85% |
| Community Trust Bancorp Inc | Company report | 85% |
| First Busey Corporation | Company report | 85% |
| Veritex Holdings inc | Company report | 85% |
| Onemain Holdings Inc | Company report | 85% |
| First Commonwealth Financial Corp | Company report | 85% |
| Commerce Bancshares Inc | Company report | 85% |
| Wsfs Financial Corporation | Company report | 85% |
| Qcr Holdings inc | Company report | 85% |
| Flagstar Bank National Association | Company report | 85% |
| Servisfirst Bancshares Inc | Company report | 85% |
| Fulton Financial Corp | Company report | 85% |
| Bank Of America Corporation | Company report | 85% |
| Synovus Financial Corp | Company report | 85% |
| Hsbc Usa Inc | Company report | 85% |
| Independent Bank Corp | Company report | 85% |
| The Bank Of New York Mellon Corporation | Company report | 85% |
| The Bancorp Inc | Company report | 85% |
| Mercantile Bank Corporation | Company report | 85% |
| Popular Inc | Company report | 85% |
| United Community Banks Inc | Company report | 85% |
| Northern Trust Corporation | Company report | 85% |
| Embassy Bancorp Inc | Company report | 85% |
| Camden National Corp | Company report | 85% |
| Webster Financial Corporation | Company report | 85% |
| Premier Financial Bancorp Inc | Company report | 85% |
| First Financial Bankshares Inc | Company report | 85% |
| Cit Group Inc | Company report | 85% |
| Seacoast Banking Corporation Of Florida | Company report | 85% |
| Republic First Bancorp Inc | Company report | 85% |
| Ally Financial Inc | Company report | 85% |
| Slm Corp | Company report | 85% |
| Heritage Financial Corp | Company report | 85% |
| Banner Corporation | Company report | 85% |
| S and t Bancorp Inc | Company report | 85% |
| Independent Bank Corporation | Company report | 85% |
| Juniata Valley Financial Corp | Company report | 85% |
| Bok Financial Corp | Company report | 85% |
| Mufg Americas Holdings Corporation | Company report | 85% |
| Midwestone Financial Group Inc | Company report | 85% |
| Customers Bancorp Inc | Company report | 85% |
| Bankwell Financial Group Inc | Company report | 85% |
| Valley National Bancorp | Company report | 85% |
| Prosperity Bancshares Inc | Company report | 85% |
| First Citizens Bancshares Inc | Company report | 85% |
| Citizens Financial Group Inc | Company report | 85% |
| Zions Bancorporation National Association | Company report | 85% |
| Renasant Corp | Company report | 85% |
| First Midwest Bancorp Inc | Company report | 85% |
| Consumer Portfolio Services Inc | Company report | 85% |
| Simmons First National Corp | Company report | 85% |
| Great Western Bancorp Inc | Company report | 85% |
| Banc Of California Inc | Company report | 85% |
| Santander Holdings Usa Inc | Company report | 85% |
| Hilltop Holdings Inc | Company report | 85% |
Company report basis, confidence, active dates and source counts for Capital One Financial's named competitors require a Commercial License.
Methodology: see Methodology: Peer & Competitor Identification, Sourcing.
Capital One Financial's Business Segment Mix vs Peers
Revenue by operating segment or division, as named and reported by each company. Segment names are the filer's own and are not standardized across companies. Do not assume a same-named or similarly-named segment is defined identically between two companies. Shares are of each company's own total revenue and are not required to sum to 100% (intersegment revenue, unallocated items).| Company | Largest Segment |
|---|---|
| Capital one financial corp | Credit Card 74.32 % |
| Citigroup inc | Markets 29.42 % |
| General Motors Company | GM North America 82.81 % |
| Paccar Inc | Truck Subsegment 70.59 % |
| D r Horton Inc | HomeBuildingOps 94.14 % |
| American International Group Inc | North America Operating 30.08 % |
Source: operating segment revenue as reported in each company's reports (10-K/10-Q), via the CSIMarket API, leaf-level reportable segments only (parent roll-up segments are excluded where sub-segments are separately disclosed).
Sign in to see all peers for Capital one financial corp.
Capital One Financial's Productivity vs Peers Comparison
Revenue and income per employee, trailing 12 months, in $; market cap in millions of $| Company | Market Cap | Revenue / Employee | Income / Employee |
|---|---|---|---|
| Capital one financial corp | 128,793 | 718,191 | 142,595 |
| Jpmorgan Chase and Co | 927,902 | 598,825 | 204,714 |
| Bank Of America Corporation | 370,029 | 577,315 | 150,793 |
| Wells Fargo and Company | 266,701 | 355,879 | 96,699 |
| American Express Company | 225,281 | 1,348,880 | 159,570 |
| Citigroup inc | 218,824 | 404,248 | 80,004 |
| PEERS TOTAL | 3,570,286 | 632,968 | 113,541 |
Sign in to see all peers for Capital one financial corp.
Capital One Financial's Geographic Revenue Exposure vs Peers
Revenue by country/region as reported in each company's most recent report. Disclosure granularity varies by filer (some report by country, others by broad region) and is shown as disclosed.| Company | Largest Market |
|---|---|
| Aci Worldwide Inc | United States 64.29 % |
| Lionsgate Studios Corp | UNITED STATES 64.70 % |
| Brc Group Holdings Inc | North America 93.52 % |
Source: revenue geography as reported in each company's reports (10-K/10-Q), via the CSIMarket API. Percentages are of that company's own total consolidated revenue for its most recent reported period.
Capital One Financial's Position in Industry Market Structure
Market-capitalization share and concentration across all 81 companies in Capital One Financial's industry classification, broader than the peer set above. Market cap in millions of $.Capital One Financial ranks #5 of 81 companies by market capitalization in its industry, holding 5.31 % of total industry market cap. The industry's Herfindahl-Hirschman Index (HHI) is 1,875, indicating a moderately concentrated market structure (see Methodology: Market Structure & Concentration).
| Rank | Company | Market Cap | Industry Share |
|---|---|---|---|
| 1 | Jpmorgan Chase and Co | 910,586 | 37.29 % |
| 2 | Bank Of America Corporation | 362,230 | 14.84 % |
| 3 | Wells Fargo and Company | 262,986 | 10.77 % |
| 4 | Citigroup inc | 212,975 | 8.72 % |
| 5 | Capital one financial corp | 129,630 | 5.31 % |
| 6 | Us Bancorp De | 1,234 | 5.2% |
| 7 | Pnc Financial Services Group Inc | 1,234 | 5.2% |
| 8 | Truist Financial Corporation | 1,234 | 5.2% |
| 9 | Huntington Bancshares Incorporated | 1,234 | 5.2% |
| 10 | Shinhan Financial Group Co Ltd | 1,234 | 5.2% |
Market cap and industry share for the rest of Capital One Financial's industry peers requires a Commercial License.
Source: CSIMarket API (daily market-structure computation) across CSIMarket's industry classification, market capitalization as of 2026-11-03.
Capital One Financial's Same-Size Peers & Stock Performance
Peers chosen by closeness in market-cap rank within the same industry classification (not the named-competitor list above). Trailing 12-month total return, 3-month price momentum, beta and Sharpe ratio vs the broad U.S. market.| Rank | Company | Market Cap | TTM Return |
|---|---|---|---|
| 1 | Jpmorgan Chase and Co | 910,586 | 8.95 % |
| 2 | Bank Of America Corporation | 362,230 | -7.54 % |
| 3 | Wells Fargo and Company | 262,986 | -1.71 % |
| 4 | Citigroup inc | 212,975 | 20.91 % |
| 5 | Capital one financial corp | 129,630 | -5.09 % |
| 6 | Us Bancorp De | 1,234 | 12.3% |
| 7 | Pnc Financial Services Group Inc | 1,234 | 12.3% |
| 8 | Truist Financial Corporation | 1,234 | 12.3% |
| 9 | Huntington Bancshares Incorporated | 1,234 | 12.3% |
| 10 | Shinhan Financial Group Co Ltd | 1,234 | 12.3% |
Market cap, return, momentum, beta and Sharpe ratio for the rest of Capital One Financial's same-size peers requires a Commercial License.
Source: CSIMarket API (daily market-structure computation); returns and risk metrics as of 2026-11-03. Beta and Sharpe ratio are versus the broad U.S. equity market, not this industry.
Capital One Financial's Profitability & Cost Structure
Trailing 12-month margins from SEC-filed financials. Operating margin is compared to the Commercial Banks industry median; gross margin, EBITDA margin and capital intensity are compared to the live industry average (7 companies). See the full Commercial Banks industry profitability benchmarks.| Metric | Company | Industry | Difference |
|---|---|---|---|
| Gross Margin | - | 0.94 % (avg) | - |
| Operating Margin | - | industry median | - |
| EBITDA Margin | 0.37 % | 0.38 % (avg) | 0.0 pp |
| Capital Intensity (Capex / Revenue) | 3.43 % | 7.03 % (avg) | -3.6 pp |
Source: CSIMarket API, trailing 12 months. SG&A and R&D as a share of revenue have limited coverage as this data is backfilled and appear only where reported. Higher capital intensity is not inherently negative; it reflects the industry's asset requirements.
Capital One Financial's Valuation vs Competitive Position
Valuation multiples vs the Commercial Banks industry average (7 companies, excluding loss-making/negative-equity outliers), alongside returns on capital for context on whether a premium or discount lines up with measurably stronger or weaker returns. See the full Commercial Banks industry valuation benchmarks.| Metric | Company | Industry Average | Difference |
|---|---|---|---|
| P/E | 11.4x | 19.1x | -7.7x |
| EV / EBITDA | 4.4x | 6.4x | -2.1x |
| P/B | 1.0x | 1.4x | -0.4x |
| Return on Equity | 0.09 % | industry aggregate | -12.80 % |
| Return on Invested Capital | - | 0.07 % (avg) | - |
Source: CSIMarket API, trailing 12 months. A valuation premium or discount is not, by itself, a judgment of over- or under-valuation. Compare it against the return and growth context shown elsewhere on this page.
Capital One Financial's Multi-Year Financial Trajectory
Fiscal-year revenue growth, operating margin, return on invested capital and P/E, as reported in company reports.| Metric | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue Growth | 12.87 % | 0.62 % | -18.33 % | 77.33 % | -12.28 % | -7.19 % | 3.93 % | 19.65 % |
| Operating Margin | 32.93 % | 30.75 % | 17.54 % | 48.82 % | 32.53 % | - | - | - |
| Return on Invested Capital | 4.41 % | 3.88 % | 1.82 % | 8.80 % | 1.79 % | 1.11 % | 1.05 % | 0.79 % |
| P/E | 7.0x | 9.1x | 18.5x | 5.6x | 5.6x | 9.0x | 15.0x | 61.8x |
Source: CSIMarket API, fiscal-year figures. P/E is this company's own historical ratio at each fiscal year end and can swing sharply around an earnings trough: that is real, not a data error.
Capital One Financial's BCG Growth-Share Matrix
See Methodology: BCG Growth-Share Matrix for how relative share and growth are calculated and thresholded.
Capital One Financial falls in the Question Mark quadrant: relative market share of 0.14x vs its largest competitor, in an industry growing revenue 10.3% (median, trailing 12 months).
Source: CSIMarket API (market-cap share and industry revenue growth). The 10% growth and 1.0x share lines are standard textbook thresholds, not derived from this industry's own distribution. A caveat worth reading alongside this chart: Jpmorgan Chase and Co alone holds 37% of this industry's market cap. In an industry this dominated by one leader, the framework will place nearly every OTHER company in "Dog" or "Question Mark" purely because relative share is measured against that leader, regardless of how strong those other companies actually are on their own fundamentals. Check the Profitability, Valuation and Financial Strength sections above before treating this quadrant label as a verdict.
Capital One Financial's Competitive Forces (Porter's Five Forces)
Only the forces this data can support honestly are shown; the other three are marked as such rather than guessed.| Force | Assessment | Basis |
|---|---|---|
| Competitive Rivalry | Moderate | Industry HHI of 1,875 (see Industry Market Structure & Concentration above) |
| Barriers to Entry | Lower than typical for the industry | Capital intensity (capex / revenue) of 3.43 % vs industry average 7.03 % (see Profitability & Cost Structure above) |
Note: see Methodology: Porter's Five Forces. Supplier power and buyer power are covered on Capital One Financial's dedicated Suppliers and Customers pages, not here.
Capital One Financial's Industry Attractiveness & Competitive Strength
See Methodology: GE/McKinsey Matrix for how the two axes are built.
Capital One Financial falls in the Medium attractiveness / Low strength cell: Harvest.
Source: CSIMarket API, trailing 12 months. Each axis score is a simple 1(low)/2(medium)/3(high) average across its three inputs -- a transparent, disclosed simplification, not a validated academic scoring model.
Capital One Financial's SWOT
Every point below is a fixed rule applied to a metric already shown elsewhere on this page (Market Structure, Profitability, Valuation, Run-Rate, Stock Performance, Quality Breadth) not an independent strategic assessment. A blank quadrant means no rule was met, not that none apply.Strengths
- Latest-quarter revenue run-rate is accelerating (+19.3% annualized vs trailing 12 months).
Weaknesses
- Return on equity 12.8 points below the industry aggregate.
- Underperforming the U.S.A. 500 over the trailing 12 months.
- Low relative market share vs the industry leader (0.14x).
Opportunities
- Industry revenue growing at a healthy 10.3% median pace.
Threats
- Industry dominated by Jpmorgan Chase and Co, holding 37.29 % of industry market cap.
- Tracked peer group's revenue run-rate is broadly decelerating (-3.6% annualized).
Methodology: see Methodology: SWOT Analysis.
Capital One Financial's Financial Strength vs Peers Comparison
Quick ratio, working capital, debt to equity and asset turnover, trailing 12 months| Company | Quick Ratio | Working Capital | Debt / Equity |
|---|---|---|---|
| Capital one financial corp | 0.05 | 1.03 | 0.58 |
| Jpmorgan Chase and Co | 0.15 | 0.42 | 1.41 |
| Bank Of America Corporation | 0.10 | 0.52 | 1.27 |
| Wells Fargo and Company | 0.11 | 0.80 | 1.16 |
| American Express Company | 0.25 | 1.00 | 1.72 |
| Citigroup inc | 0.07 | 0.40 | 1.78 |
Sign in to see all peers for Capital one financial corp.
Quick ratio = cash / current liabilities; working capital ratio = current assets / current liabilities; asset turnover = revenue / total assets. Peers in the Blank Checks industry are excluded.
Capital One Financial's Revenue and Income Growth vs Peers
Quarterly revenue and net income growth, year over year and quarter over quarter| Company | Period | Revenue Y/Y | Income Y/Y |
|---|---|---|---|
| Capital one financial corp | Q3 2026 | +29.3 % | +12.0 % |
| Jpmorgan Chase and Co | Q3 2026 | +10.2 % | +9.0 % |
| Bank Of America Corporation | Q3 2026 | +3.2 % | -16.8 % |
| Wells Fargo and Company | Q3 2026 | +5.4 % | +6.9 % |
| American Express Company | Q3 2026 | -35.4 % | +27.9 % |
| Citigroup inc | Q2 2026 | +14.3 % | +44.6 % |
| PEERS TOTAL | +3.0 % | +3.9 % |
Sign in to see all peers for Capital one financial corp.
Growth is shown only where both periods are positive. Peers in the Blank Checks industry are excluded.
Capital One Financial's Peers' Costs of Sales and Capital Expenditures
Context for revenue growth: peer costs and capex, year over year and quarter over quarter| Company | Period | Costs Y/Y | Capex Y/Y |
|---|---|---|---|
| Capital one financial corp | Q3 2026 | +7.4 % | +1.3 % |
| Jpmorgan Chase and Co | Q3 2026 | -12.8 % | - |
| Bank Of America Corporation | Q3 2026 | - | - |
| Wells Fargo and Company | Q3 2026 | +31.5 % | - |
| American Express Company | Q3 2026 | -23.5 % | +44.8 % |
| Citigroup inc | Q2 2026 | - | -11.6 % |
Sign in to see all peers for Capital one financial corp.
Capital One Financial's Returns and Turnover vs Peers
ROA, ROI and ROE (trailing 12 months), receivables and inventory turnover| Company | ROA | ROI | ROE |
|---|---|---|---|
| Capital one financial corp | 1.61% | 1.59% | 9.69% |
| Jpmorgan Chase and Co | 1.34% | 1.65% | 17.70% |
| Bank Of America Corporation | 0.93% | 1.18% | 10.69% |
| Wells Fargo and Company | 1.04% | 1.23% | 12.78% |
| American Express Company | 3.99% | 5.76% | 35.64% |
| Citigroup inc | 0.66% | 0.69% | 8.46% |
Sign in to see all peers for Capital one financial corp.
ROA = net income / total assets; ROI = net income / investments; ROE = net income / equity; turnover ratios use trailing 12 month revenue (receivables) and cost of sales (inventory).
Capital One Financial's Valuation vs Peers
P/E, price to sales, PEG, price to cash flow and price to book| Company | P/E | Price / Sales |
|---|---|---|
| Capital one financial corp | 12.02 | 2.35 |
| Jpmorgan Chase and Co | 14.55 | 4.86 |
| Bank Of America Corporation | 12.23 | 3.01 |
| Wells Fargo and Company | 12.40 | 3.14 |
| American Express Company | 18.86 | 2.17 |
| Citigroup inc | 13.66 | 2.40 |
| PEERS AVERAGE | 11.71 | 2.11 |
Sign in to see all peers for Capital one financial corp.
P/E = price / diluted EPS (trailing 12 months); PEG = P/E divided by EPS growth; the average row divides the peers' combined market cap by their combined income, sales, cash flow and equity.