COF Competition Analysis

Capital One Financial Corporation Peer Comparison

Metric	Value	Ranking
Market Cap	$58.0 Billion	5/10	V $547.2B	MA $458.3B	AXP $193.0B	PYPL $83.5B	COF $58.0B	DFS $35.9B	SYF $20.6B	ALLY $10.8B	SOFI $9.2B	UPST $3.9B
Gross Margin	100%	1/10	COF 100%	ALLY 100%	DFS 100%	MA 97%	UPST 96%	V 80%	SYF 79%	SOFI 66%	AXP 61%	PYPL 40%
Profit Margin	4%	8/10	V 55%	MA 47%	DFS 26%	AXP 16%	PYPL 14%	SYF 13%	ALLY 7%	COF 4%	SOFI 2%	UPST -43%
EBITDA margin	0%	8/10	V 68%	MA 62%	SYF 58%	SOFI 38%	AXP 30%	PYPL 21%	ALLY 4%	COF 0%	DFS 0%	UPST -40%
Quarterly Revenue	$13.2 Billion	2/10	AXP $18.4B	COF $13.2B	V $8.9B	PYPL $7.9B	MA $7.0B	DFS $6.0B	SYF $4.9B	ALLY $4.0B	SOFI $860.6M	UPST $127.6M
Quarterly Earnings	$588.0 Million	7/10	V $4.9B	MA $3.3B	AXP $3.0B	DFS $1.5B	PYPL $1.1B	SYF $643.0M	COF $588.0M	ALLY $294.0M	SOFI $17.4M	UPST -$54.5M
Quarterly Free Cash Flow	$6.0 Million	1/10	COF $6.0B	V $4.7B	AXP $4.0B	MA $2.9B	DFS $2.5B	SYF $2.5B	PYPL $1.4B	ALLY $385.0M	SOFI $252.5M	UPST $63.0M
Trailing 4 Quarters Revenue	$48.8 Billion	2/10	AXP $67.3B	COF $48.8B	V $34.9B	PYPL $31.0B	MA $26.4B	DFS $21.3B	SYF $19.9B	ALLY $10.3B	SOFI $2.7B	UPST $530.3M
Trailing 4 Quarters Earnings	$4.4 Billion	5/10	AXP $18.4B	COF $13.2B	V $8.9B	PYPL $7.9B	MA $7.0B	DFS $6.0B	SYF $4.9B	ALLY $4.0B	SOFI $860.6M	UPST $127.6M
Quarterly Earnings Growth	-59%	9/10	SOFI 137%	DFS 70%	AXP 38%	V 17%	MA 15%	SYF 13%	PYPL 10%	ALLY -11%	COF -59%	UPST -93%
Annual Earnings Growth	1%	8/10	UPST 51%	PYPL 30%	AXP 28%	SYF 27%	SOFI 25%	MA 23%	V 13%	COF 1%	DFS -24%	ALLY -42%
Quarterly Revenue Growth	47%	5/10	ALLY 77%	SOFI 73%	DFS 54%	SYF 48%	COF 47%	AXP 22%	MA 11%	V 10%	PYPL 8%	UPST -6%
Annual Revenue Growth	37%	3/10	DFS 41%	SOFI 41%	COF 37%	SYF 27%	UPST 19%	AXP 16%	MA 12%	ALLY 12%	V 9%	PYPL 9%
Cash On Hand	$7.7 Billion	9/10	AXP $52.7B	SYF $18.6B	V $15.8B	PYPL $7.7B	MA $7.0B	SOFI $2.7B	UPST $560.6M	ALLY -$536.0M	COF -$7.7B	DFS -$24.4B
Short Term Debt	$715.0 Million	6/10	ALLY $3.1B	PYPL $2.6B	SYF $2.0B	AXP $1.6B	MA $1.1B	COF $715.0M	UPST $7.5M	V -$0	DFS -$0	SOFI -$0
Long Term Debt	$47.2 Billion	2/10	AXP $51.5B	COF $47.2B	V $20.6B	DFS $19.1B	ALLY $16.0B	MA $14.5B	SYF $13.7B	PYPL $9.7B	SOFI $3.1B	UPST $1.0B
PE	13.31	6/10	MA 37.39	V 28.64	AXP 19.72	PYPL 18.81	ALLY 14.40	COF 13.31	DFS 12.36	SYF 6.84	UPST -1.00	SOFI -1.00
PS	1.19	8/10	MA 17.37	V 15.67	UPST 7.26	SOFI 3.38	AXP 2.87	PYPL 2.69	DFS 1.69	COF 1.19	ALLY 1.04	SYF 1.03
PB	1.00	9/10	MA 61.25	V 13.77	AXP 6.53	UPST 6.48	PYPL 4.05	DFS 2.24	SOFI 1.55	SYF 1.32	COF 1.00	ALLY 0.78
PC	-7.52	9/10	MA 65.19	V 34.62	PYPL 10.84	UPST 6.87	AXP 3.66	SOFI 3.35	SYF 1.10	DFS -1.47	COF -7.52	ALLY -20.07
Liabilities to Equity	7.28	4/10	ALLY 12.90	DFS 8.39	AXP 8.22	COF 7.28	SYF 6.75	MA 4.70	SOFI 4.53	PYPL 3.07	UPST 2.06	V 1.29
ROA	0.01	7/10	MA 29%	V 21%	PYPL 5%	AXP 4%	SYF 2%	DFS 2%	COF 1%	ALLY 0%	SOFI 0%	UPST -11%
ROE	0.08	7/10	MA 165%	V 48%	AXP 33%	PYPL 22%	SYF 19%	DFS 18%	COF 8%	ALLY 5%	SOFI -2%	UPST -34%
Current Ratio	1.14	7/10	V 1.77	UPST 1.49	PYPL 1.33	SOFI 1.22	MA 1.21	SYF 1.15	COF 1.14	AXP 1.12	DFS 1.12	ALLY 1.08
Quick Ratio	-0.02	9/10	MA 37.39	V 28.64	AXP 19.72	PYPL 18.81	ALLY 14.40	COF 13.31	DFS 12.36	SYF 6.84	UPST -1.00	SOFI -1.00
Long Term Debt to Equity	0.81	7/10	MA} 1.96	AXP} 1.74	UPST} 1.73	DFS} 1.19	ALLY} 1.15	SYF} 0.88	COF} 0.81	SOFI} 0.53	V} 0.52	PYPL} 0.47
Debt to Equity	0.83	7/10	MA 2.10	UPST 1.82	AXP 1.80	ALLY 1.38	DFS 1.19	SYF 1.01	COF 0.83	PYPL 0.63	SOFI 0.54	V 0.52
Burn Rate	-5.21	8/10	SYF 46.90	DFS 31.93	SOFI 25.56	UPST 5.76	ALLY -0.48	MA -2.92	V -3.90	COF -5.21	PYPL -78.68	AXP -101.09
Cash to Cap	-0.13	9/10	SYF 0.91	SOFI 0.30	AXP 0.27	UPST 0.15	PYPL 0.09	V 0.03	MA 0.02	ALLY -0.05	COF -0.13	DFS -0.68
CCR	10.13	2/10	SOFI 14.51	COF 10.13	SYF 3.86	DFS 1.64	AXP 1.33	ALLY 1.31	PYPL 1.21	V 0.97	MA 0.90	UPST -1.16
EV to EBITDA	11363.47	1/10	COF} 11363.47	ALLY} 171.72	MA} 108.81	V} 91.13	PYPL} 52.86	AXP} 34.62	SOFI} 29.46	SYF} 6.21	DFS} -1.00	UPST} -86.34
EV to Revenue	2.33	8/10	MA 17.69	V 15.81	UPST 8.25	SOFI 3.56	ALLY 2.94	AXP 2.87	PYPL 2.86	COF 2.33	SYF 0.88	DFS -1.00

Capital One Financial Corporation Peer Comparison

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