Capital One Financial Corporation (COF)vsConstellation Brands Inc Class A (STZ)
COF
Capital One Financial Corporation
$185.23
+0.32%
FINANCIAL SERVICES · Cap: $115.20B
STZ
Constellation Brands Inc Class A
$151.56
-0.73%
CONSUMER DEFENSIVE · Cap: $26.58B
Smart Verdict
WallStSmart Research — data-driven comparison
Capital One Financial Corporation generates 249% more annual revenue ($32.78B vs $9.38B). STZ leads profitability with a 11.8% profit margin vs 7.5%. COF appears more attractively valued with a PEG of 0.19. COF earns a higher WallStSmart Score of 75/100 (B+).
COF
Strong Buy75
out of 100
Grade: B+
STZ
Hold50
out of 100
Grade: D+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-51.2%
Fair Value
$141.77
Current Price
$185.23
$43.46 premium
Margin of Safety
-276.7%
Fair Value
$43.32
Current Price
$151.56
$108.24 premium
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
Strong operational efficiency at 33.9%
Areas to Watch
ROE of 2.4% — below average capital efficiency
7.5% margin — thin
Premium valuation, high expectations priced in
Distress zone — elevated risk
Elevated debt levels
Expensive relative to growth rate
Revenue declined 9.8%
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 : STZ
The strongest argument for STZ centers on Operating Margin.
Bear Case : COF
The primary concerns for COF are Return on Equity, Profit Margin, P/E Ratio. A P/E of 55.3x leaves little room for execution misses.
Bear Case : STZ
The primary concerns for STZ are Altman Z-Score, Debt/Equity, PEG Ratio.
Key Dynamics to Monitor
COF profiles as a hypergrowth stock while STZ is a declining 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
COF scores higher overall (75/100 vs 50/100) and 51.6% revenue growth. Both earn "Strong Buy" and "Hold" 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.
Constellation Brands Inc Class A
CONSUMER DEFENSIVE · BEVERAGES - BREWERS · USA
Constellation Brands, Inc., headquartered in Victor, New York, is an American producer and marketer of beer, wine, and spirits.
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