Compare price, profitability, solvency, and SEC-reported financials side by side—before deciding which assumptions deserve a closer look.
FY 2025 · View financials
Decision snapshot: COF stock price vs MA: 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 MA's multiple
Needs MA 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
Lower is better
Statements
Bank-focused income statement and equity metrics aligned to the reporting windows.
SEC periods: COF FY 2025 (ended Dec 31, 2025) · MA FY 2025 (ended Dec 31, 2025).
Trendline
Five 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
-$7.38B
Price / tangible book
—
Price / book
—
Return on equity
193.5%
Return on assets
27.6%
Efficiency ratio
—
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
Mastercard Incorporated · 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
2.46x
Net debt / EBITDA
Leverage against operating earnings
-0.50x
0.38x
Cash and equivalents
Liquid reserves on the balance sheet
$66.64B
$11.07B
Total debt
Interest-bearing obligations outstanding
$51.00B
$19.00B
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 improve earnings conversion and close the gap between its revenue growth and net margin, then avoid chasing the stock at current levels because the P/E-based implied value is well below the current price.
COF is trading at $219.97 versus an implied P/E value of $138.95, implying -36.8% downside. The stock also sits above the high end of MA implied range, and its current price is only modestly above the historical band, suggesting valuation is stretched relative to the MA reference.
Supporting Metrics
