Comprehensive Stock Comparison
Compare Pintec Technology Holdings Limited (PT) vs Capital One Financial Corporation (COF) Stock
Analyze side-by-side fundamentals, valuation, growth, and profitability to decide which stock is the better buy.
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Quick Verdict
| Category | Winner | Why |
|---|---|---|
| Growth | COF | 9.0% revenue growth vs PT's -33.3% |
| Quality / Margins | COF | 8.8% net margin vs PT's -44.0% |
| Stability / Safety | PT | Beta 0.53 vs COF's 1.53 |
| Dividends | COF | 1.2% yield; 2-year raise streak; PT pays no meaningful dividend |
| Momentum (1Y) | COF | -1.1% vs PT's -5.7% |
| Efficiency (ROA) | COF | 0.2% ROA vs PT's -12.4% |
Who Each Stock Is For
Income & stability
Growth exposure
Long-term compounding (10Y)
Sleep-well-at-night portfolio
Defensive / Recession hedge
Business Model
What each company does and how it makes money
Pintec Technology operates a digital platform connecting Chinese financial institutions with borrowers and investors. It generates revenue primarily through technology service fees from loan facilitation (roughly 70% of revenue) and wealth management product distribution fees (around 30%). The company's key advantage is its proprietary AI-driven risk assessment technology and extensive partner network within China's financial ecosystem.
Capital One is a diversified financial services company that operates primarily as a credit card issuer and consumer bank. It generates revenue through three main segments: credit card interest and fees (its largest segment), consumer banking services, and commercial banking operations. The company's key advantage lies in its sophisticated data analytics and technology platform—which enables targeted marketing and risk assessment—coupled with its direct banking model that reduces physical branch costs.
Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Financial Metrics Comparison
Side-by-side fundamentals across 2 stocks. BestLagging
Financial Scorecard
COF leads in 3 of 6 categories — strongest in Financial Metrics and Profitability & Efficiency. 2 categories are tied.
Financial Metrics (TTM)
COF is the larger business by revenue, generating $53.9B annually — 1534.9x PT's $35M. COF is the more profitable business, keeping 8.8% of every revenue dollar as net income compared to PT's -44.0%.
| Metric | PTPintec Technology… | COFCapital One Finan… |
|---|---|---|
| RevenueTrailing 12 months | $35M | $53.9B |
| EBITDAEarnings before interest/tax | -$6M | $6.1B |
| Net IncomeAfter-tax profit | -$12M | $1.4B |
| Free Cash FlowCash after capex | $0 | $20.8B |
| Gross MarginGross profit ÷ Revenue | +63.5% | +50.8% |
| Operating MarginEBIT ÷ Revenue | -40.1% | +11.0% |
| Net MarginNet income ÷ Revenue | -44.0% | +8.8% |
| FCF MarginFCF ÷ Revenue | -42.6% | +31.4% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +37.0% | +9.5% |
Valuation Metrics
| Metric | PTPintec Technology… | COFCapital One Finan… |
|---|---|---|
| Market CapShares × price | $48M | $124.4B |
| Enterprise ValueMkt cap + debt − cash | $45M | $126.7B |
| Trailing P/EPrice ÷ TTM EPS | -0.19x | 16.88x |
| Forward P/EPrice ÷ next-FY EPS est. | — | 9.67x |
| PEG RatioP/E ÷ EPS growth rate | — | 10.08x |
| EV / EBITDAEnterprise value multiple | — | 13.85x |
| Price / SalesMarket cap ÷ Revenue | 9.47x | 2.31x |
| Price / BookPrice ÷ Book value/share | — | 1.23x |
| Price / FCFMarket cap ÷ FCF | — | 7.34x |
Profitability & Efficiency
On the Piotroski fundamental quality scale (0–9), COF scores 5/9 vs PT's 4/9, reflecting solid financial health.
| Metric | PTPintec Technology… | COFCapital One Finan… |
|---|---|---|
| ROE (TTM)Return on equity | — | +1.2% |
| ROA (TTM)Return on assets | -12.4% | +0.2% |
| ROICReturn on invested capital | — | +4.1% |
| ROCEReturn on capital employed | — | +4.6% |
| Piotroski ScoreFundamental quality 0–9 | 4 | 5 |
| Debt / EquityFinancial leverage | — | 0.75x |
| Net DebtTotal debt minus cash | -$22M | $2.3B |
| Cash & Equiv.Liquid assets | $27M | $43.2B |
| Total DebtShort + long-term debt | $5M | $45.6B |
| Interest CoverageEBIT ÷ Interest expense | -613.85x | 0.11x |
Total Returns (with DRIP)
A $10,000 investment in COF five years ago would be worth $16,819 today (with dividends reinvested), compared to $1,269 for PT. Over the past 12 months, COF leads with a -1.1% total return vs PT's -5.7%. The 3-year compound annual growth rate (CAGR) favors COF at 23.1% vs PT's 22.3% — a key indicator of consistent wealth creation.
| Metric | PTPintec Technology… | COFCapital One Finan… |
|---|---|---|
| YTD ReturnYear-to-date | +1.3% | -20.8% |
| 1-Year ReturnPast 12 months | -5.7% | -1.1% |
| 3-Year ReturnCumulative with dividends | +83.1% | +86.3% |
| 5-Year ReturnCumulative with dividends | -87.3% | +68.2% |
| 10-Year ReturnCumulative with dividends | -98.5% | +228.4% |
| CAGR (3Y)Annualised 3-year return | +22.3% | +23.1% |
Risk & Volatility
PT is the less volatile stock with a 0.53 beta — it tends to amplify market swings less than COF's 1.53 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. COF currently trades 75.4% from its 52-week high vs PT's 69.0% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | PTPintec Technology… | COFCapital One Finan… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.53x | 1.53x |
| 52-Week HighHighest price in past year | $1.38 | $259.64 |
| 52-Week LowLowest price in past year | $0.82 | $143.22 |
| % of 52W HighCurrent price vs 52-week peak | +69.0% | +75.4% |
| RSI (14)Momentum oscillator 0–100 | 51.2 | 45.1 |
| Avg Volume (50D)Average daily shares traded | 62K | 4.5M |
Analyst Outlook
COF is the only dividend payer here at 1.24% yield — a key consideration for income-focused portfolios.
| Metric | PTPintec Technology… | COFCapital One Finan… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Buy |
| Price TargetConsensus 12-month target | — | $273.62 |
| # AnalystsCovering analysts | — | 56 |
| Dividend YieldAnnual dividend ÷ price | — | +1.2% |
| Dividend StreakConsecutive years of raises | — | 2 |
| Dividend / ShareAnnual DPS | — | $2.43 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | +0.6% |
Historical Charts
Charts are rendered on first load. Hover for details.
Chart 1Total Return — 5 Years (Rebased to 100)
| Stock | Mar 20 | Feb 26 | Change |
|---|---|---|---|
| Pintec Technology H… (PT) | 100 | 8.17 | -91.8% |
| Capital One Financi… (COF) | 100 | 244.54 | +144.5% |
Capital One Financi… (COF) returned +68% over 5 years vs Pintec Technology H… (PT)'s -87%. A $10,000 investment in COF 5 years ago would be worth $16,819 today (including dividends reinvested).
Chart 2Revenue Growth — 10 Years
| Stock | 2015 | 2024 | Change |
|---|---|---|---|
| Pintec Technology H… (PT) | $55M | $35M | -36.0% |
| Capital One Financi… (COF) | $25.0B | $53.9B | +115.4% |
Capital One Financial Corporation's revenue grew from $25.0B (2015) to $53.9B (2024) — a 8.9% CAGR.
Chart 3Net Margin Trend — 10 Years
| Stock | 2015 | 2024 | Change |
|---|---|---|---|
| Pintec Technology H… (PT) | -3.7% | -44.0% | -1103.6% |
| Capital One Financi… (COF) | 16.2% | 8.8% | -45.6% |
Capital One Financial Corporation's net margin went from 16% (2015) to 9% (2024).
Chart 4P/E Ratio History — 8 Years
| Stock | 2017 | 2024 | Change |
|---|---|---|---|
| Capital One Financi… (COF) | 28.5 | 15.4 | -46.0% |
Capital One Financial Corporation has traded in a 5x–29x P/E range over 8 years; current trailing P/E is ~17x.
Chart 5EPS Growth — 10 Years
| Stock | 2015 | 2024 | Change |
|---|---|---|---|
| Pintec Technology H… (PT) | -4,286.45 | -34.3 | +99.2% |
| Capital One Financi… (COF) | 7.07 | 11.59 | +63.9% |
Capital One Financial Corporation's EPS grew from $7.07 (2015) to $11.59 (2024) — a 6% CAGR.
Chart 6Free Cash Flow — 5 Years
Pintec Technology Holdings Limited generated $-15M FCF in 2024 (+54% vs 2021). Capital One Financial Corporation generated $17B FCF in 2024 (+46% vs 2021).
PT vs COF: Frequently Asked Questions
7 questions · data-driven answers · updated daily
01Is PT or COF a better buy right now?
Capital One Financial Corporation (COF) offers the better valuation at 16.9x trailing P/E (9.7x forward), making it the more compelling value choice. Analysts rate Capital One Financial Corporation (COF) a "Buy" — based on 56 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which is the better long-term investment — PT or COF?
Over the past 5 years, Capital One Financial Corporation (COF) delivered a total return of +68.2%, compared to -87.3% for Pintec Technology Holdings Limited (PT). A $10,000 investment in COF five years ago would be worth approximately $17K today (assuming dividends reinvested). Over 10 years, the gap is even starker: COF returned +228.4% versus PT's -98.5%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
03Which is safer — PT or COF?
By beta (market sensitivity over 5 years), Pintec Technology Holdings Limited (PT) is the lower-risk stock at 0.53β versus Capital One Financial Corporation's 1.53β — meaning COF is approximately 188% more volatile than PT relative to the S&P 500.
04Which has better profit margins — PT or COF?
Capital One Financial Corporation (COF) is the more profitable company, earning 8.8% net margin versus -44.0% for Pintec Technology Holdings Limited — meaning it keeps 8.8% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: COF leads at 11.0% versus -40.1% for PT. At the gross margin level — before operating expenses — PT leads at 63.5%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
05Which pays a better dividend — PT or COF?
In this comparison, COF (1.2% yield) pays a dividend. PT does not pay a meaningful dividend and should not be held primarily for income.
06Is PT or COF better for a retirement portfolio?
For long-horizon retirement investors, Pintec Technology Holdings Limited (PT) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.53)). Capital One Financial Corporation (COF) carries a higher beta of 1.53 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (PT: -98.5%, COF: +228.4%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
07What are the main differences between PT and COF?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both. In terms of investment character: PT is a small-cap quality compounder stock; COF is a mid-cap deep-value stock. COF pays a dividend while PT does not, making them suitable for different income and tax situations. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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