Comprehensive Stock Comparison
Compare Capital One Financial Corporation (COF) vs JPMorgan Chase & Co. (JPM) 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 | JPM | 14.6% revenue growth vs COF's 9.0% |
| Value | COF | Lower P/E (9.7x vs 13.9x) |
| Quality / Margins | JPM | 21.6% net margin vs COF's 8.8% |
| Stability / Safety | JPM | Beta 1.00 vs COF's 1.53 |
| Dividends | JPM | 1.7% yield, 14-year raise streak, vs COF's 1.2% |
| Momentum (1Y) | JPM | +15.7% vs COF's -1.1% |
| Efficiency (ROA) | JPM | 1.3% ROA vs COF's 0.2%, ROIC 5.4% 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.
JPMorgan Chase is a global financial services giant that operates as a universal bank offering consumer banking, investment banking, commercial banking, and asset management services. It generates revenue primarily through net interest income from lending activities (about 50% of total revenue) and non-interest income from investment banking fees, trading, asset management, and card services. The company's key competitive advantage lies in its massive scale, diversified revenue streams, and fortress balance sheet—which together create significant barriers to entry and provide stability through economic cycles.
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
JPM leads in 5 of 6 categories — strongest in Financial Metrics and Profitability & Efficiency. 1 category is tied.
Financial Metrics (TTM)
JPM is the larger business by revenue, generating $270.8B annually — 5.0x COF's $53.9B. JPM is the more profitable business, keeping 21.6% of every revenue dollar as net income compared to COF's 8.8%.
| Metric | COFCapital One Finan… | JPMJPMorgan Chase & … |
|---|---|---|
| RevenueTrailing 12 months | $53.9B | $270.8B |
| EBITDAEarnings before interest/tax | $6.1B | $81.3B |
| Net IncomeAfter-tax profit | $1.4B | $58.0B |
| Free Cash FlowCash after capex | $20.8B | -$119.7B |
| Gross MarginGross profit ÷ Revenue | +50.8% | +58.6% |
| Operating MarginEBIT ÷ Revenue | +11.0% | +27.7% |
| Net MarginNet income ÷ Revenue | +8.8% | +21.6% |
| FCF MarginFCF ÷ Revenue | +31.4% | -15.5% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +9.5% | +16.0% |
Valuation Metrics
At 15.2x trailing earnings, JPM trades at a 10% valuation discount to COF's 16.9x P/E. Adjusting for growth (PEG ratio), JPM offers better value at 1.17x vs COF's 10.08x — a lower PEG means you pay less per unit of expected earnings growth.
| Metric | COFCapital One Finan… | JPMJPMorgan Chase & … |
|---|---|---|
| Market CapShares × price | $124.4B | $809.7B |
| Enterprise ValueMkt cap + debt − cash | $126.7B | $1.09T |
| Trailing P/EPrice ÷ TTM EPS | 16.88x | 15.21x |
| Forward P/EPrice ÷ next-FY EPS est. | 9.67x | 13.93x |
| PEG RatioP/E ÷ EPS growth rate | 10.08x | 1.17x |
| EV / EBITDAEnterprise value multiple | 13.85x | 13.15x |
| Price / SalesMarket cap ÷ Revenue | 2.31x | 2.99x |
| Price / BookPrice ÷ Book value/share | 1.23x | 2.51x |
| Price / FCFMarket cap ÷ FCF | 7.34x | — |
Profitability & Efficiency
JPM delivers a 16.1% return on equity — every $100 of shareholder capital generates $16 in annual profit, vs $1 for COF. COF carries lower financial leverage with a 0.75x debt-to-equity ratio, signaling a more conservative balance sheet compared to JPM's 2.18x.
| Metric | COFCapital One Finan… | JPMJPMorgan Chase & … |
|---|---|---|
| ROE (TTM)Return on equity | +1.2% | +16.1% |
| ROA (TTM)Return on assets | +0.2% | +1.3% |
| ROICReturn on invested capital | +4.1% | +5.4% |
| ROCEReturn on capital employed | +4.6% | +8.2% |
| Piotroski ScoreFundamental quality 0–9 | 5 | 5 |
| Debt / EquityFinancial leverage | 0.75x | 2.18x |
| Net DebtTotal debt minus cash | $2.3B | $281.8B |
| Cash & Equiv.Liquid assets | $43.2B | $469.3B |
| Total DebtShort + long-term debt | $45.6B | $751.1B |
| Interest CoverageEBIT ÷ Interest expense | 0.11x | 0.74x |
Total Returns (with DRIP)
A $10,000 investment in JPM five years ago would be worth $21,449 today (with dividends reinvested), compared to $16,819 for COF. Over the past 12 months, JPM leads with a +15.7% total return vs COF's -1.1%. The 3-year compound annual growth rate (CAGR) favors JPM at 30.0% vs COF's 23.1% — a key indicator of consistent wealth creation.
| Metric | COFCapital One Finan… | JPMJPMorgan Chase & … |
|---|---|---|
| YTD ReturnYear-to-date | -20.8% | -7.3% |
| 1-Year ReturnPast 12 months | -1.1% | +15.7% |
| 3-Year ReturnCumulative with dividends | +86.3% | +119.7% |
| 5-Year ReturnCumulative with dividends | +68.2% | +114.5% |
| 10-Year ReturnCumulative with dividends | +228.4% | +497.7% |
| CAGR (3Y)Annualised 3-year return | +23.1% | +30.0% |
Risk & Volatility
JPM is the less volatile stock with a 1.00 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. JPM currently trades 89.0% from its 52-week high vs COF's 75.4% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | COFCapital One Finan… | JPMJPMorgan Chase & … |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.53x | 1.00x |
| 52-Week HighHighest price in past year | $259.64 | $337.25 |
| 52-Week LowLowest price in past year | $143.22 | $202.16 |
| % of 52W HighCurrent price vs 52-week peak | +75.4% | +89.0% |
| RSI (14)Momentum oscillator 0–100 | 45.1 | 48.1 |
| Avg Volume (50D)Average daily shares traded | 4.5M | 9.0M |
Analyst Outlook
Wall Street rates COF as "Buy" and JPM as "Buy". Consensus price targets imply 39.9% upside for COF (target: $274) vs 11.9% for JPM (target: $336). For income investors, JPM offers the higher dividend yield at 1.71% vs COF's 1.24%.
| Metric | COFCapital One Finan… | JPMJPMorgan Chase & … |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | $273.62 | $336.10 |
| # AnalystsCovering analysts | 56 | 60 |
| Dividend YieldAnnual dividend ÷ price | +1.2% | +1.7% |
| Dividend StreakConsecutive years of raises | 2 | 14 |
| Dividend / ShareAnnual DPS | $2.43 | $5.13 |
| Buyback YieldShare repurchases ÷ mkt cap | +0.6% | +3.5% |
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 |
|---|---|---|---|
| Capital One Financi… (COF) | 100 | 244.54 | +144.5% |
| JPMorgan Chase & Co. (JPM) | 100 | 253.57 | +153.6% |
JPMorgan Chase & Co. (JPM) returned +114% over 5 years vs Capital One Financi… (COF)'s +68%. A $10,000 investment in JPM 5 years ago would be worth $21,449 today (including dividends reinvested).
Chart 2Revenue Growth — 10 Years
| Stock | 2015 | 2024 | Change |
|---|---|---|---|
| Capital One Financi… (COF) | $25.0B | $53.9B | +115.4% |
| JPMorgan Chase & Co. (JPM) | $101.0B | $270.8B | +168.1% |
Capital One Financial Corporation's revenue grew from $25.0B (2015) to $53.9B (2024) — a 8.9% CAGR. JPMorgan Chase & Co.'s revenue grew from $101.0B (2015) to $270.8B (2024) — a 11.6% CAGR.
Chart 3Net Margin Trend — 10 Years
| Stock | 2015 | 2024 | Change |
|---|---|---|---|
| Capital One Financi… (COF) | 16.2% | 8.8% | -45.6% |
| JPMorgan Chase & Co. (JPM) | 24.2% | 21.6% | -10.8% |
Capital One Financial Corporation's net margin went from 16% (2015) to 9% (2024). JPMorgan Chase & Co.'s net margin went from 24% (2015) to 22% (2024).
Chart 4P/E Ratio History — 8 Years
| Stock | 2017 | 2024 | Change |
|---|---|---|---|
| Capital One Financi… (COF) | 28.5 | 15.4 | -46.0% |
| JPMorgan Chase & Co. (JPM) | 16.9 | 12.1 | -28.4% |
Capital One Financial Corporation has traded in a 5x–29x P/E range over 8 years; current trailing P/E is ~17x. JPMorgan Chase & Co. has traded in a 10x–17x P/E range over 8 years; current trailing P/E is ~15x.
Chart 5EPS Growth — 10 Years
| Stock | 2015 | 2024 | Change |
|---|---|---|---|
| Capital One Financi… (COF) | 7.07 | 11.59 | +63.9% |
| JPMorgan Chase & Co. (JPM) | 6 | 19.75 | +229.2% |
Capital One Financial Corporation's EPS grew from $7.07 (2015) to $11.59 (2024) — a 6% CAGR. JPMorgan Chase & Co.'s EPS grew from $6.00 (2015) to $19.75 (2024) — a 14% CAGR.
Chart 6Free Cash Flow — 5 Years
Capital One Financial Corporation generated $17B FCF in 2024 (+46% vs 2021). JPMorgan Chase & Co. generated $-42B FCF in 2024 (-154% vs 2021).
COF vs JPM: Frequently Asked Questions
9 questions · data-driven answers · updated daily
01Is COF or JPM a better buy right now?
JPMorgan Chase & Co. (JPM) offers the better valuation at 15.2x trailing P/E (13.9x 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 JPM?
On trailing P/E, JPMorgan Chase & Co. (JPM) is the cheapest at 15.2x versus Capital One Financial Corporation at 16.9x. On forward P/E, Capital One Financial Corporation is actually cheaper at 9.7x — notably different from the trailing picture, reflecting expected earnings growth. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: JPMorgan Chase & Co. wins at 1.07x versus Capital One Financial Corporation's 10.08x — a reasonable growth-adjusted valuation.
03Which is the better long-term investment — COF or JPM?
Over the past 5 years, JPMorgan Chase & Co. (JPM) delivered a total return of +114.5%, compared to +68.2% for Capital One Financial Corporation (COF). A $10,000 investment in JPM five years ago would be worth approximately $21K today (assuming dividends reinvested). Over 10 years, the gap is even starker: JPM returned +497.7% versus COF's +228.4%. 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 JPM?
By beta (market sensitivity over 5 years), JPMorgan Chase & Co. (JPM) is the lower-risk stock at 1.00β versus Capital One Financial Corporation's 1.53β — meaning COF is approximately 52% more volatile than JPM relative to the S&P 500. On balance sheet safety, Capital One Financial Corporation (COF) carries a lower debt/equity ratio of 75% versus 2% for JPMorgan Chase & Co. — giving it more financial flexibility in a downturn.
05Which has better profit margins — COF or JPM?
JPMorgan Chase & Co. (JPM) is the more profitable company, earning 21.6% net margin versus 8.8% for Capital One Financial Corporation — meaning it keeps 21.6% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: JPM leads at 27.7% versus 11.0% for COF. At the gross margin level — before operating expenses — JPM leads at 58.6%, 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 JPM 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, JPMorgan Chase & Co. (JPM) is the more undervalued stock at a PEG of 1.07x versus Capital One Financial Corporation's 10.08x. A PEG below 1.5 suggests fair-to-attractive pricing relative to expected growth. On forward earnings alone, Capital One Financial Corporation (COF) trades at 9.7x forward P/E versus 13.9x for JPMorgan Chase & Co. — 4.3x 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 JPM?
All stocks in this comparison pay dividends. JPMorgan Chase & Co. (JPM) offers the highest yield at 1.7%, versus 1.2% for Capital One Financial Corporation (COF).
08Is COF or JPM better for a retirement portfolio?
For long-horizon retirement investors, JPMorgan Chase & Co. (JPM) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 1.00), 1.7% yield, +497.7% 10Y return). 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 (JPM: +497.7%, 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 JPM?
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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