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Capital One Financial Corporation (COF) vs Visa Inc. (V)

Capital One Financial Corporation and Visa Inc. are both Credit Services companies. Visa Inc. is the larger, with a market value of $809.5B against $122.6B — 6.6× the size. Capital One Financial Corporation trades at the lower P/E: 12.1× against 32.7×. Capital One Financial Corporation grew revenue faster over the last twelve months: 25.4% against 14.8%. Visa Inc. has the higher net margin (51.2% vs 13.3%) and the higher return on invested capital (40.4% vs 7.53%). Both pay a dividend; Capital One Financial Corporation yields more (1.56% vs 0.63%). Across the 21 metrics below, Capital One Financial Corporation leads on 12 and Visa Inc. on 9.

Valuation

Metric COF V Credit Services median
P/E 12.09 32.72 8.96
P/S 1.57 16.55 1.00
P/B 1.14 21.33 1.23
Price to free cash flow 4.75 34.44 2.55
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.27% 3.06% 7.17%
Free cash flow yield 21.04% 2.90% 11.75%

Profitability

Metric COF V Credit Services median
Gross margin 79.42% 100.00% 76.61%
Operating margin 0.00% 61.24% 0.34%
Net margin 13.29% 51.20% 8.35%
Free cash flow margin 33.09% 48.05% 8.73%
Return on equity 9.44% 64.60% 9.05%
Return on assets 1.58% 24.23% 1.94%
Return on invested capital 7.53% 40.41% 4.56%

Growth

Metric COF V Credit Services median
Revenue growth (TTM) 25.42% 14.76% 4.49%
EPS growth (last fiscal year) (65.23%) 14.07% 21.94%
Revenue growth, 5-year CAGR 16.96% 13.75% 9.22%
Net income growth, 5-year CAGR (1.69%) 13.81% 0.00%

Health

Metric COF V Credit Services median
Debt to equity 0.45 0.61 0.69
Current ratio 1.02 0.97 1.26
Net debt to EBITDA 0.00 0.25 0.11

Dividend

Metric COF V Credit Services median
Dividend yield 1.56% 0.63% 1.64%
Payout ratio 0.19 0.22 0.21

Size

Metric COF V Credit Services median
Market cap 122.61b 809.54b 759.73m

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