Capital One Financial Corporation (COF)vsMedallion Financial Corp (MFIN)
COF
Capital One Financial Corporation
$183.93
-2.93%
FINANCIAL SERVICES · Cap: $122.14B
MFIN
Medallion Financial Corp
$9.28
-1.07%
FINANCIAL SERVICES · Cap: $230.39M
Smart Verdict
WallStSmart Research — data-driven comparison
Capital One Financial Corporation generates 10341% more annual revenue ($36.31B vs $347.76M). MFIN leads profitability with a 10.3% profit margin vs 8.9%. COF appears more attractively valued with a PEG of 0.20. COF earns a higher WallStSmart Score of 65/100 (C+).
COF
Buy65
out of 100
Grade: C+
MFIN
Buy63
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Reasonable price relative to book value
Revenue surging 46.3% year-over-year
Large-cap with strong market position
Strong operational efficiency at 28.6%
Generating 5.5B in free cash flow
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 45.0%
Growing faster than its price suggests
Areas to Watch
ROE of 3.3% — below average capital efficiency
Premium valuation, high expectations priced in
Earnings declined 4.3%
Smaller company, higher risk/reward
Revenue declined 6.4%
Earnings declined 60.0%
Comparative Analysis Report
WallStSmart ResearchBull Case : COF
The strongest argument for COF centers on PEG Ratio, Price/Book, Revenue Growth. Revenue growth of 46.3% demonstrates continued momentum. PEG of 0.20 suggests the stock is reasonably priced for its growth.
Bull Case : MFIN
The strongest argument for MFIN centers on P/E Ratio, Price/Book, Operating Margin. PEG of 0.77 suggests the stock is reasonably priced for its growth.
Bear Case : COF
The primary concerns for COF are Return on Equity, P/E Ratio, EPS Growth. A P/E of 59.3x leaves little room for execution misses.
Bear Case : MFIN
The primary concerns for MFIN are Market Cap, Revenue Growth, EPS Growth.
Key Dynamics to Monitor
COF profiles as a hypergrowth stock while MFIN is a declining play — different risk/reward profiles.
COF carries more volatility with a beta of 1.05 — expect wider price swings.
COF is growing revenue faster at 46.3% — sustainability is the question.
COF generates stronger free cash flow (5.5B), providing more financial flexibility.
Bottom Line
COF scores higher overall (65/100 vs 63/100) and 46.3% revenue growth. Both earn "Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Capital One Financial Corporation
FINANCIAL SERVICES · CREDIT SERVICES · USA
Capital One Financial Corporation is an American bank holding company specializing in credit cards, auto loans, banking, and savings accounts, headquartered in McLean, Virginia with operations primarily in the United States.
Medallion Financial Corp
FINANCIAL SERVICES · CREDIT SERVICES · USA
Medallion Financial Corp. The company is headquartered in New York City, New York.
Compare with Other CREDIT SERVICES Stocks
Want to dig deeper into these stocks?