Capital One Financial Corp. (COF) scored on five pillars from its reported financial statements, and ranked against 261 Financials companies.
Capital One Financial Corp. (COF) scores 5.9 out of 10 as of , computed from its reported financial statements. That reads as solid quality. The reading rests on efficiency, and growth is what holds it back.
One pillar, solvency, is unscored because the filings behind it carry too little to judge. It is shown as a dash rather than a zero, and the overall score is the weighted average of what could be scored.
Data provided by Twelve Data. Scores are computed by Lemma Analysis from reported financials.
Capital One Financial Corp.’s filings do not show enough of the signs a moat leaves: 1 of 4 indicators passed.
Quantitative signs of a moat, read from the filed statements. This is not a judgement of where it comes from (brand, network effects, switching costs). How Lemma measures a moat →
Capital One Financial Corp. (COF) has a Lemma Quality Score of 5.9 out of 10 as of October 16, 2026, which reads as solid quality. A solid reading is a respectable business with clear strengths and at least one area that falls short of the best in its field. Five pillars feed it, and every one of them is computed from what the company reported rather than from its share price.
Among the 261 Financials companies with a published score, that ranks at the 50th percentile, above the middle of the group. A typical company in the group scores 5.9, and the best quarter starts from 6.8. Capital One Financial Corp. is in line with that typical reading.
On profitability, Capital One Financial Corp. scores 5.9, an average reading. Its peers have a median of 6.8 across 255 Financials companies, which places it below them, at the 33rd percentile. Profitability in the middle of the range is neither a moat nor a warning: margins and returns look like those of an ordinary business in this line of work.
There is no solvency score for Capital One Financial Corp.: too little of the pillar could be measured from the filings to give an honest reading. The overall is therefore the weighted average of the other pillars. Across 140 Financials companies the median for this pillar is 8.5. Without it the overall says nothing about how comfortably the company carries its debt.
Capital One Financial Corp.’s growth score is 4.8 out of 10 (average). Against a median of 4.6 among 241 Financials companies, that is in line with the group and the 55th percentile. A middling growth reading is typical of a mature company whose next step depends on reinvestment rather than on its market growing for it.
Efficiency scores 7.1 out of 10, which reads as strong. The median across 211 Financials companies is 5.8, so Capital One Financial Corp. is above its peers on this pillar and ranks at the 66th percentile. High efficiency means assets and earnings are being turned into cash and output better than at most peers, a sign of a well run operation.
Capital One Financial Corp.’s predictability score is 6.0 out of 10 (average). Against a median of 4.9 among 256 Financials companies, that is above the group and the 72nd percentile. Consistency near the median is typical, and it is worth checking whether the swings came from the business itself or from one-off items.
The profile is uneven. Efficiency leads at 7.1 while growth trails at 4.8, a gap of 2.3 points, so the overall averages a clear strength against a clear soft spot. An efficiency lead means the operation turns what it has into cash better than it does anything else. A growth shortfall often comes with size or a maturing market, and is less of a concern if the other pillars are strong.
Closing the gap on profitability would do the most for the overall. At the median of Financials companies, 6.8, Capital One Financial Corp. would score about 6.2 instead of 5.9. Only four of the five pillars could be scored. Together they carry 80 of the 100 weight points (the full set is profitability 25, solvency 20, growth 20, efficiency 15, predictability 20), and the overall is the weighted average of those alone.
These are the Financials companies closest to Capital One Financial Corp. in market value. Each has its own page scored on the same five pillars, so the comparison is like for like.
How much profit the company generates from its capital and sales.
The company’s ability to service debt and meet its obligations.
How fast revenue, earnings and cash flow are compounding.
How well assets and earnings convert into cash and output.
How stable and consistent results have been over time.
Each metric is scored from 0 to 10 against sector-aware benchmarks, where higher is better. Metrics roll up into five pillars, and the pillars combine into the overall score using the weights shown. Sector-sensitive metrics are judged relative to peers in the same sector.
This score is a systematic, backward-looking read of reported fundamentals. It does not judge valuation, management quality, competitive moat, or future prospects, and can be distorted by one-off items or unusual accounting. Treat it as a starting point, not a recommendation.
Educational only. Not investment advice.
On this reading Capital One Financial Corp. scores 5.9 out of 10, which reads as solid quality. Its strongest pillar is efficiency, its weakest is growth. Quality is not the same as a good investment: the score says nothing about the price you would pay.
Capital One Financial Corp. ranks at the 50th percentile of the 261 Financials companies Lemma publishes a score for. The median there is 5.9 and the top quarter starts at 6.8, against Capital One Financial Corp.’s 5.9.
Five pillars, each scored from 0 to 10 against sector-aware benchmarks and then weighted into one overall reading: profitability, solvency, growth, efficiency and predictability. Everything comes from reported financials, and nothing comes from price, sentiment or forecasts.
This page last changed on October 16, 2026. The score moves with the financial statements, so the page changes when a new filing moves the reading rather than on a schedule. Live figures for COF are in the app.
No. Quality and valuation are separate questions, and a good business at the wrong price is still a bad purchase. Score the business here, then price it with a DCF you control.
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