Capital One Financial Corporation (COF)vsVisa Inc. Class A (V)
COF
Capital One Financial Corporation
$202.43
+0.19%
FINANCIAL SERVICES · Cap: $127.79B
V
Visa Inc. Class A
$368.29
-0.44%
FINANCIAL SERVICES · Cap: $691.65B
Smart Verdict
WallStSmart Research — data-driven comparison
Capital One Financial Corporation generates 8% more annual revenue ($48.11B vs $44.49B). V leads profitability with a 50.8% profit margin vs 21.9%. 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
V
Strong Buy68
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 33.6%
Revenue surging 1111.0% year-over-year
Large-cap with strong market position
Mega-cap, among the largest globally
Every $100 of equity generates 64 in profit
Keeps 51 of every $100 in revenue as profit
Strong operational efficiency at 66.1%
Generating 6.1B in free cash flow
Areas to Watch
Weak financial health signals
Earnings declined 3.2%
Distress zone — elevated risk
Expensive relative to growth rate
Premium valuation, high expectations priced in
Trading at 19.5x book value
Grey zone — moderate risk
Comparative Analysis Report
WallStSmart ResearchBull Case : COF
The strongest argument for COF centers on PEG Ratio, P/E Ratio, Price/Book. Profitability is solid with margins at 21.9% and operating margin at 33.6%. Revenue growth of 1111.0% demonstrates continued momentum.
Bull Case : V
The strongest argument for V centers on Market Cap, Return on Equity, Profit Margin. Profitability is solid with margins at 50.8% and operating margin at 66.1%. Revenue growth of 14.4% demonstrates continued momentum.
Bear Case : COF
The primary concerns for COF are Piotroski F-Score, EPS Growth, Altman Z-Score.
Bear Case : V
The primary concerns for V are PEG Ratio, P/E Ratio, Price/Book.
Key Dynamics to Monitor
COF profiles as a growth stock while V is a mature play — different risk/reward profiles.
COF carries more volatility with a beta of 1.02 — expect wider price swings.
COF is growing revenue faster at 1111.0% — sustainability is the question.
COF generates stronger free cash flow (7.9B), providing more financial flexibility.
Bottom Line
COF scores higher overall (75/100 vs 68/100), backed by strong 21.9% margins and 1111.0% revenue growth. 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.
Visa Inc. Class A
FINANCIAL SERVICES · CREDIT SERVICES · USA
Visa Inc. is an American multinational financial services corporation headquartered in Foster City, California, United States. It facilitates electronic funds transfers throughout the world, most commonly through Visa-branded credit cards, debit cards and prepaid cards. Visa is one of the world's most valuable companies.
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