Comprehensive Stock Comparison
Compare Capital One Financial Corporation (COF) vs FinVolution Group (FINV) 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 FINV's 3.7% |
| Value | FINV | Lower P/E (0.7x vs 9.7x), PEG 0.19 vs 10.08 |
| Quality / Margins | FINV | 18.2% net margin vs COF's 8.8% |
| Stability / Safety | FINV | Beta 0.60 vs COF's 1.53, lower leverage |
| Dividends | FINV | 4.3% yield, 4-year raise streak, vs COF's 1.2% |
| Momentum (1Y) | COF | -1.1% vs FINV's -28.4% |
| Efficiency (ROA) | FINV | 10.6% ROA vs COF's 0.2%, ROIC 12.9% vs 4.1% |
Who Each Stock Is For
Income & stability
Growth exposure
Long-term compounding (10Y)
Sleep-well-at-night portfolio
Valuation efficiency (growth/$)
Defensive / Recession hedge
Business Model
What each company does and how it makes money
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.
FinVolution Group operates a fintech platform connecting individual borrowers with financial institutions in China, primarily serving the underserved consumer finance market. It generates revenue primarily through loan facilitation service fees — charging financial institutions for connecting them with borrowers — and to a lesser extent through post-origination services and guarantee income. Its competitive advantage lies in its proprietary technology platform that automates the lending process and its extensive user base of over 145 million registered customers.
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
FINV leads in 4 of 6 categories (Financial Metrics, Valuation Metrics). COF leads in 1 (Total Returns). 1 tied.
Financial Metrics (TTM)
COF is the larger business by revenue, generating $53.9B annually — 4.1x FINV's $13.1B. FINV is the more profitable business, keeping 18.2% of every revenue dollar as net income compared to COF's 8.8%.
| Metric | COFCapital One Finan… | FINVFinVolution Group |
|---|---|---|
| RevenueTrailing 12 months | $53.9B | $13.1B |
| EBITDAEarnings before interest/tax | $6.1B | $3.3B |
| Net IncomeAfter-tax profit | $1.4B | $2.8B |
| Free Cash FlowCash after capex | $20.8B | $1.5B |
| Gross MarginGross profit ÷ Revenue | +50.8% | +79.3% |
| Operating MarginEBIT ÷ Revenue | +11.0% | +19.4% |
| Net MarginNet income ÷ Revenue | +8.8% | +18.2% |
| FCF MarginFCF ÷ Revenue | +31.4% | +21.9% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +9.5% | -2.1% |
Valuation Metrics
At 4.3x trailing earnings, FINV trades at a 75% valuation discount to COF's 16.9x P/E. Adjusting for growth (PEG ratio), FINV offers better value at 1.25x vs COF's 10.08x — a lower PEG means you pay less per unit of expected earnings growth.
| Metric | COFCapital One Finan… | FINVFinVolution Group |
|---|---|---|
| Market CapShares × price | $124.4B | $3.2B |
| Enterprise ValueMkt cap + debt − cash | $126.7B | $2.5B |
| Trailing P/EPrice ÷ TTM EPS | 16.88x | 4.26x |
| Forward P/EPrice ÷ next-FY EPS est. | 9.67x | 0.66x |
| PEG RatioP/E ÷ EPS growth rate | 10.08x | 1.25x |
| EV / EBITDAEnterprise value multiple | 13.85x | 6.57x |
| Price / SalesMarket cap ÷ Revenue | 2.31x | 1.67x |
| Price / BookPrice ÷ Book value/share | 1.23x | 0.65x |
| Price / FCFMarket cap ÷ FCF | 7.34x | 7.62x |
Profitability & Efficiency
FINV delivers a 16.7% return on equity — every $100 of shareholder capital generates $17 in annual profit, vs $1 for COF. FINV carries lower financial leverage with a 0.00x debt-to-equity ratio, signaling a more conservative balance sheet compared to COF's 0.75x.
| Metric | COFCapital One Finan… | FINVFinVolution Group |
|---|---|---|
| ROE (TTM)Return on equity | +1.2% | +16.7% |
| ROA (TTM)Return on assets | +0.2% | +10.6% |
| ROICReturn on invested capital | +4.1% | +12.9% |
| ROCEReturn on capital employed | +4.6% | +13.8% |
| Piotroski ScoreFundamental quality 0–9 | 5 | 5 |
| Debt / EquityFinancial leverage | 0.75x | 0.00x |
| Net DebtTotal debt minus cash | $2.3B | -$4.6B |
| Cash & Equiv.Liquid assets | $43.2B | $4.7B |
| Total DebtShort + long-term debt | $45.6B | $34M |
| Interest CoverageEBIT ÷ Interest expense | 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 $11,494 for FINV. Over the past 12 months, COF leads with a -1.1% total return vs FINV's -28.4%. The 3-year compound annual growth rate (CAGR) favors COF at 23.1% vs FINV's 7.8% — a key indicator of consistent wealth creation.
| Metric | COFCapital One Finan… | FINVFinVolution Group |
|---|---|---|
| YTD ReturnYear-to-date | -20.8% | +7.7% |
| 1-Year ReturnPast 12 months | -1.1% | -28.4% |
| 3-Year ReturnCumulative with dividends | +86.3% | +25.2% |
| 5-Year ReturnCumulative with dividends | +68.2% | +14.9% |
| 10-Year ReturnCumulative with dividends | +228.4% | -45.9% |
| CAGR (3Y)Annualised 3-year return | +23.1% | +7.8% |
Risk & Volatility
FINV is the less volatile stock with a 0.60 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 FINV's 50.7% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | COFCapital One Finan… | FINVFinVolution Group |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.53x | 0.60x |
| 52-Week HighHighest price in past year | $259.64 | $11.08 |
| 52-Week LowLowest price in past year | $143.22 | $4.70 |
| % of 52W HighCurrent price vs 52-week peak | +75.4% | +50.7% |
| RSI (14)Momentum oscillator 0–100 | 45.1 | 58.9 |
| Avg Volume (50D)Average daily shares traded | 4.5M | 905K |
Analyst Outlook
Wall Street rates COF as "Buy" and FINV as "Buy". Consensus price targets imply 39.9% upside for COF (target: $274) vs 5.7% for FINV (target: $6). For income investors, FINV offers the higher dividend yield at 4.34% vs COF's 1.24%.
| Metric | COFCapital One Finan… | FINVFinVolution Group |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | $273.62 | $5.94 |
| # AnalystsCovering analysts | 56 | 4 |
| Dividend YieldAnnual dividend ÷ price | +1.2% | +4.3% |
| Dividend StreakConsecutive years of raises | 2 | 4 |
| Dividend / ShareAnnual DPS | $2.43 | $1.67 |
| Buyback YieldShare repurchases ÷ mkt cap | +0.6% | +2.9% |
Historical Charts
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Chart 1Total Return — 5 Years (Rebased to 100)
| Stock | Mar 20 | Feb 26 | Change |
|---|---|---|---|
| Capital One Financi… (COF) | 100 | 244.54 | +144.5% |
| FinVolution Group (FINV) | 100 | 260.1 | +160.1% |
Capital One Financi… (COF) returned +68% over 5 years vs FinVolution Group (FINV)'s +15%. 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 |
|---|---|---|---|
| Capital One Financi… (COF) | $25.0B | $53.9B | +115.4% |
| FinVolution Group (FINV) | $196M | $13.1B | +6576.8% |
Capital One Financial Corporation's revenue grew from $25.0B (2015) to $53.9B (2024) — a 8.9% CAGR. FinVolution Group's revenue grew from $196M (2015) to $13.1B (2024) — a 59.5% CAGR.
Chart 3Net Margin Trend — 10 Years
| Stock | 2015 | 2024 | Change |
|---|---|---|---|
| Capital One Financi… (COF) | 16.2% | 8.8% | -45.6% |
| FinVolution Group (FINV) | -36.9% | 18.2% | +149.5% |
Capital One Financial Corporation's net margin went from 16% (2015) to 9% (2024). FinVolution Group's net margin went from -37% (2015) to 18% (2024).
Chart 4P/E Ratio History — 8 Years
| Stock | 2017 | 2024 | Change |
|---|---|---|---|
| Capital One Financi… (COF) | 28.5 | 15.4 | -46.0% |
| FinVolution Group (FINV) | 0.5 | 0.8 | +60.0% |
Capital One Financial Corporation has traded in a 5x–29x P/E range over 8 years; current trailing P/E is ~17x. FinVolution Group has traded in a 0x–1x P/E range over 7 years; current trailing P/E is ~4x.
Chart 5EPS Growth — 10 Years
| Stock | 2015 | 2024 | Change |
|---|---|---|---|
| Capital One Financi… (COF) | 7.07 | 11.59 | +63.9% |
| FinVolution Group (FINV) | -0.6 | 9.05 | +1608.3% |
Capital One Financial Corporation's EPS grew from $7.07 (2015) to $11.59 (2024) — a 6% CAGR. FinVolution Group's EPS grew from $-0.60 (2015) to $9.05 (2024).
Chart 6Free Cash Flow — 5 Years
Capital One Financial Corporation generated $17B FCF in 2024 (+46% vs 2021). FinVolution Group generated $3B FCF in 2024 (+398% vs 2021).
COF vs FINV: Frequently Asked Questions
9 questions · data-driven answers · updated daily
01Is COF or FINV a better buy right now?
FinVolution Group (FINV) offers the better valuation at 4.3x trailing P/E (0.7x 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 has the better valuation — COF or FINV?
On trailing P/E, FinVolution Group (FINV) is the cheapest at 4.3x versus Capital One Financial Corporation at 16.9x. On forward P/E, FinVolution Group is actually cheaper at 0.7x. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: FinVolution Group wins at 0.19x versus Capital One Financial Corporation's 10.08x — a PEG below 1.0 traditionally signals the market is underpricing earnings growth.
03Which is the better long-term investment — COF or FINV?
Over the past 5 years, Capital One Financial Corporation (COF) delivered a total return of +68.2%, compared to +14.9% for FinVolution Group (FINV). 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 FINV's -45.9%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — COF or FINV?
By beta (market sensitivity over 5 years), FinVolution Group (FINV) is the lower-risk stock at 0.60β versus Capital One Financial Corporation's 1.53β — meaning COF is approximately 153% more volatile than FINV relative to the S&P 500. On balance sheet safety, FinVolution Group (FINV) carries a lower debt/equity ratio of 0% versus 75% for Capital One Financial Corporation — giving it more financial flexibility in a downturn.
05Which has better profit margins — COF or FINV?
FinVolution Group (FINV) is the more profitable company, earning 18.2% net margin versus 8.8% for Capital One Financial Corporation — meaning it keeps 18.2% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: FINV leads at 19.4% versus 11.0% for COF. At the gross margin level — before operating expenses — FINV leads at 79.3%, 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.
06Is COF or FINV more undervalued right now?
The PEG ratio (forward P/E divided by expected earnings growth rate) is the most precise measure of undervaluation relative to growth potential. By this metric, FinVolution Group (FINV) is the more undervalued stock at a PEG of 0.19x versus Capital One Financial Corporation's 10.08x. A PEG below 1.0 is traditionally considered the threshold for growth-adjusted undervaluation. On forward earnings alone, FinVolution Group (FINV) trades at 0.7x forward P/E versus 9.7x for Capital One Financial Corporation — 9.0x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for COF: 39.9% to $273.62.
07Which pays a better dividend — COF or FINV?
All stocks in this comparison pay dividends. FinVolution Group (FINV) offers the highest yield at 4.3%, versus 1.2% for Capital One Financial Corporation (COF).
08Is COF or FINV better for a retirement portfolio?
For long-horizon retirement investors, FinVolution Group (FINV) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.60), 4.3% yield). 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 (FINV: -45.9%, 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.
09What are the main differences between COF and FINV?
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. 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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