Capital One Financial Corporation (COF)vsRegional Management Corp (RM)
COF
Capital One Financial Corporation
$185.23
+0.32%
FINANCIAL SERVICES · Cap: $112.86B
RM
Regional Management Corp
$32.27
-0.52%
FINANCIAL SERVICES · Cap: $316.35M
Smart Verdict
WallStSmart Research — data-driven comparison
Capital One Financial Corporation generates 5149% more annual revenue ($32.78B vs $624.52M). COF leads profitability with a 7.5% profit margin vs 7.1%. COF appears more attractively valued with a PEG of 0.19. RM earns a higher WallStSmart Score of 77/100 (B+).
COF
Strong Buy75
out of 100
Grade: B+
RM
Strong Buy77
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-50.8%
Fair Value
$142.20
Current Price
$185.23
$43.03 premium
Margin of Safety
+83.7%
Fair Value
$208.26
Current Price
$32.27
$175.99 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Reasonable price relative to book value
Revenue surging 51.6% year-over-year
Large-cap with strong market position
Strong operational efficiency at 22.9%
Earnings expanding 22.2% YoY
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 23.6%
Earnings expanding 32.5% YoY
Areas to Watch
ROE of 2.4% — below average capital efficiency
7.5% margin — thin
Premium valuation, high expectations priced in
Smaller company, higher risk/reward
7.1% margin — thin
Comparative Analysis Report
WallStSmart ResearchBull Case : COF
The strongest argument for COF centers on PEG Ratio, Price/Book, Revenue Growth. Revenue growth of 51.6% demonstrates continued momentum. PEG of 0.19 suggests the stock is reasonably priced for its growth.
Bull Case : RM
The strongest argument for RM centers on PEG Ratio, P/E Ratio, Price/Book. PEG of 0.42 suggests the stock is reasonably priced for its growth.
Bear Case : COF
The primary concerns for COF are Return on Equity, Profit Margin, P/E Ratio. A P/E of 54.0x leaves little room for execution misses.
Bear Case : RM
The primary concerns for RM are Market Cap, Profit Margin.
Key Dynamics to Monitor
COF profiles as a hypergrowth stock while RM is a value play — different risk/reward profiles.
COF carries more volatility with a beta of 1.14 — expect wider price swings.
COF is growing revenue faster at 51.6% — sustainability is the question.
COF generates stronger free cash flow (6.7B), providing more financial flexibility.
Bottom Line
RM scores higher overall (77/100 vs 75/100). Both earn "Strong Buy" and "Strong 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.
Regional Management Corp
FINANCIAL SERVICES · CREDIT SERVICES · USA
Regional Management Corp, a diversified consumer finance company, offers various installment loan products primarily to clients with limited access to consumer credit from banks, savings companies, credit card companies, and other lenders. The company is headquartered in Greer, South Carolina.
Compare with Other CREDIT SERVICES Stocks
Want to dig deeper into these stocks?