Compare price, profitability, solvency, and SEC-reported financials side by side—before deciding which assumptions deserve a closer look.
FY 2024 · View financials
Decision snapshot: COF stock price vs DFS: inconclusive Relative valuation is incomplete for this pair. Review the available filing metrics before drawing a conclusion.
Quick read
Each company valued on the other's multiple, then compared with the market price.
Implied fair value · at DFS's multiple
Needs DFS P/E.
Implied fair value · at COF's multiple
Needs COF P/E.
Live quote
Price unavailable
Metric by metric
Filter, sort, and scan the equity metrics that matter most for banks: book value, tangible book, returns, and operating efficiency.
Lower is better
Lower is better
Profitability lag
Asset efficiency lag
Less efficient
Statements
Bank-focused income statement and equity metrics aligned to the reporting windows.
SEC periods: COF FY 2025 (ended Dec 31, 2025) · DFS FY 2024 (ended Dec 31, 2024). Fiscal years are not aligned.
Trendline
Six fiscal years of revenue, earnings, and margins before underwriting a re-rating.
Price framework
Tangible book and profitability anchor a bank, not enterprise value.
Deposits and cash-like balances distort enterprise value for banks, so this section reads equity value, tangible book and profitability instead.
Price / book
Market cap
—
Tangible equity
$68.53B
Price / tangible book
—
Price / book
—
Return on equity
2.2%
Return on assets
0.4%
Efficiency ratio
53.9%
Price / book
Market cap
—
Tangible equity
$17.58B
Price / tangible book
—
Price / book
—
Return on equity
25.3%
Return on assets
3.1%
Efficiency ratio
36.7%
Price framework
Discounted free cash flow, then bridged to a per-share price. Same assumptions applied to both companies.
CAPITAL ONE FINANCIAL CORP · implied price per share
Bear
$406.27
Base
$477.97
Bull
$549.66
DISCOVER FINANCIAL SERVICES · implied price per share
Bank model off — standard DCF modelling is disabled for financial institutions.
Balance sheet health
Financial health checks to separate durable balance sheets from potential value traps.
Financial strength on a 0–9 scale.
Bankruptcy-risk signal from balance sheet and earnings power.
Not enough data to score either balance sheet.
Debt / equity
Total debt against shareholders' equity
0.45x
0.91x
Net debt / EBITDA
Leverage against operating earnings
-0.50x
-0.40x
Cash and equivalents
Liquid reserves on the balance sheet
$66.64B
$23.10B
Total debt
Interest-bearing obligations outstanding
$51.00B
$16.37B
Comparable set
Where the pair sits against the wider banking comparable set.
Keep comparing
Open adjacent comparisons from the same industry to pressure-test the read across multiple pairs.
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LLM-powered synthesis
An on-demand narrative read of the same deterministic data.
Based on an earlier data snapshot. Review the filing dates below or refresh after signing in.
If you believe COF can materially narrow its net margin gap with DFS (move from 12.1% meaningfully toward 22.7%) then buy because the stock trades at modest multiples (P/E 18.9x, EV/EBITDA 2.0x) and sits near the midpoint of its historical range ($218.93) leaving room for upside from margin improvement; otherwise remain neutral given mixed fundamentals and incomplete DFS valuation data.
COF trades at $218.93, roughly the midpoint of its historical band ($197.04 - $240.82), with a P/E of 18.9x and relatively low EV multiples (EV/EBITDA 2.0x, EV/Revenue 1.6x). Because key DFS valuation metrics (DFS P/E) and implied price via P/E are unavailable, the valuation gap versus DFS cannot be precisely quantified.
Supporting Metrics
