Capital One Financial Corporation COF-PJ NYSE

Capital One Financial Corporation (COF-PJ) has shown exceptional revenue growth over the past 3 years, expanding from $28.4B to $69.3B (average +52.3%/yr). Net income reached $2.5B, reflecting earnings decline at -28.3%/yr on average. The net profit margin is 3.5%, which is thin. The company has maintained profitability in all 4 of the past 4 years, demonstrating a consistent earnings track record. The gross margin is 47.3% (moderate), with a -52.7pp trend over the period. With a $11B market cap and MOAT composite score of 66/100, the company has a moderate competitive position.

Criteria proven by this page:

• GROWTH (58/100, Partial) — growth is present but not consistently above 5% across both metrics
• PAST (100/100, Pass) — proving consistent earnings. Looking at the full 32-year history, the company was profitable in 31 of 32 years — an excellent long-term track record
• INCOME (30/100, Partial) — the company is profitable but margin is below 15%
• MOAT (66/100, Partial) — some competitive advantages are present but not dominant

Overall SharesGrow Score: 52/100 with 1/7 criteria passed.