Capital One Financial Corporation (COF)vsUniversal Health Services Inc (UHS)
COF
Capital One Financial Corporation
$189.48
-1.61%
FINANCIAL SERVICES · Cap: $122.14B
UHS
Universal Health Services Inc
$169.96
-0.35%
HEALTHCARE · Cap: $10.41B
Smart Verdict
WallStSmart Research — data-driven comparison
Capital One Financial Corporation generates 104% more annual revenue ($36.31B vs $17.76B). COF leads profitability with a 8.9% profit margin vs 8.6%. COF appears more attractively valued with a PEG of 0.20. UHS earns a higher WallStSmart Score of 72/100 (B).
COF
Buy65
out of 100
Grade: C+
UHS
Strong Buy72
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for COF.
Margin of Safety
+40.6%
Fair Value
$389.40
Current Price
$169.96
$219.44 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 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
Every $100 of equity generates 21 in profit
Areas to Watch
ROE of 3.3% — below average capital efficiency
Premium valuation, high expectations priced in
Earnings declined 4.3%
No major concerns identified
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 : UHS
The strongest argument for UHS centers on P/E Ratio, Price/Book, Return on Equity. PEG of 1.17 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 : UHS
No major red flags identified for UHS, but monitor valuation.
Key Dynamics to Monitor
COF profiles as a hypergrowth stock while UHS is a value play — different risk/reward profiles.
UHS carries more volatility with a beta of 1.13 — 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
UHS scores higher overall (72/100 vs 65/100). Both earn "Strong 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.
Universal Health Services Inc
HEALTHCARE · MEDICAL CARE FACILITIES · USA
UnitedHealth Group Incorporated is an American for-profit multinational managed healthcare and insurance company based in Minnetonka, Minnesota. It offers health care products and insurance services.
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