Capital One Financial Corporation (COF) P/E Ratio History
Historical price-to-earnings valuation from 1995 to 2025
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COF Valuation Context
How does the current P/E compare to historical and market benchmarks?
P/E Ratio Analysis
As of May 7, 2026, Capital One Financial Corporation (COF) trades at a price-to-earnings ratio of 48.0x, with a stock price of $193.40 and trailing twelve-month earnings per share of $3.88.
The current P/E is 124% above its 5-year average of 21.4x. Over the past five years, COF's P/E has ranged from a low of 4.4x to a high of 109.1x, placing the current valuation at the 85th percentile of its historical range.
Compared to the Financial Services sector median P/E of 13.4x, COF trades at a 259% premium to its sector peers. The sector includes 774 companies with P/E ratios ranging from 0.0x to 195.8x.
Relative to the broader market, COF commands a significant premium over the S&P 500 median P/E of 25.2x. Investors should consider the company's growth prospects, competitive position, and earnings quality when evaluating whether the current valuation is justified.
For a comprehensive intrinsic value estimate using discounted cash flow analysis, see our COF DCF Valuation Calculator →
Note: P/E ratio is just one valuation metric. It does not account for balance sheet strength, cash flow quality, or growth sustainability. Always conduct comprehensive due diligence before making investment decisions.
COF P/E vs Peers
P/E ratio compared to closely matched public peers
| Company | Market Cap | P/E Ratio | PEG Ratio | EPS Growth (1Y) |
|---|---|---|---|---|
| $26B | 8.1Lowest | 0.25Best | +9% | |
| $221B | 20.9 | 0.64 | +10% | |
| $408B | 14.0 | 0.91 | +19% | |
| $849B | 15.9 | 1.23 | +22% | |
| $223B | 21.4 | - | +47% | |
| $249B | 15.0 | 2.68 | +11% | |
| $14B | 18.7 | - | +32% | |
| $7B | 8.5 | 2.17 | +55% | |
| $6B | 14.4 | 1.46 | +89%Best |
Peers sorted by market capitalization. P/E below peers may indicate undervaluation or lower growth expectations. Consider PEG ratio for growth-adjusted comparison.
COF Historical P/E Data (1995–2025)
Quarterly P/E ratios calculated from closing price and TTM EPS
| Quarter | Date | Price | TTM EPS | P/E Ratio | vs Avg |
|---|---|---|---|---|---|
| FY2025 Q4 | Wed Dec 31 2025 00:00:00 GM | $242.36 | $2.96 | 81.9x | +259% |
| FY2025 Q3 | $212.58 | $2.37 | 89.7x | +294% | |
| FY2025 Q2 | Mon Jun 30 2025 00:00:00 GM | $212.76 | $1.95 | 109.1x | +379% |
| FY2025 Q1 | Mon Mar 31 2025 00:00:00 GM | $179.30 | $11.91 | 15.1x | -34% |
| FY2024 Q4 | $178.32 | $11.59 | 15.4x | -32% | |
| FY2024 Q3 | Mon Sep 30 2024 00:00:00 GM | $149.73 | $10.59 | 14.1x | -38% |
| FY2024 Q2 | Sun Jun 30 2024 00:00:00 GM | $138.45 | $10.63 | 13.0x | -43% |
| FY2024 Q1 | Sun Mar 31 2024 00:00:00 GM | $148.89 | $12.77 | 11.7x | -49% |
| FY2023 Q4 | Sun Dec 31 2023 00:00:00 GM | $131.12 | $11.95 | 11.0x | -52% |
| FY2023 Q3 | Sat Sep 30 2023 00:00:00 GM | $97.05 | $13.31 | 7.3x | -68% |
| FY2023 Q2 | Fri Jun 30 2023 00:00:00 GM | $109.37 | $13.26 | 8.2x | -64% |
| FY2023 Q1 | Fri Mar 31 2023 00:00:00 GM | $96.16 | $14.91 | 6.4x | -72% |
Average P/E for displayed period: 22.8x
Full COF Stock Analysis
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Start ComparisonCOF — Frequently Asked Questions
Quick answers to the most common questions about buying COF stock.
Is COF stock overvalued or undervalued?
COF trades at 48.0x P/E, above its 5-year average of 21.4x. The 85th percentile ranking indicates a premium to historical valuation.
How does COF's valuation compare to peers?
Capital One Financial Corporation P/E of 48.0x compares to sector median of 13.4x. The premium reflects expected growth above peers.
What is COF's PEG ratio?
COF PEG ratio is N/A. Above 2.0 indicates premium valuation relative to growth rate. Historical P/E data spans 1995-2025.