What Is COF Fair Value?
Capital One Financial Corporation (COF) fair value estimate using multiple valuation models, updated daily.
As of October 31, 2026, Capital One Financial Corporation (COF) has a composite fair value estimate of $169.32 based on four valuation models: DCF (35% weight), Graham Number (25% weight), PEG (25% weight), and DDM (15% weight). The current market price is $204.85, suggesting the stock is overvalued by 17.3%.
Data as of October 31, 2026 (today)
Composite Fair Value
Overvalued4 of 4 models$169.32
vs. current price of $204.85(-17.3%)
How Is COF Fair Value Calculated?
Four independent models estimate what COF is worth. Each uses different inputs and assumptions. The composite blends them by weight.
COF Intrinsic Value
Forward-looking models based on future cash flows
DCF (Discounted Cash Flow)
35% weightEstimates how much cash the company will generate over the next 10 years, then calculates what all that future cash is worth in today's dollars. Includes a 15% safety cushion. Try the standalone DCF calculator →
$71.41
-65.1%Overvalued
Inputs used
DDM (Dividend Discount Model)
15% weightIf a company pays you dividends, this model asks: how much are all those future dividend payments worth today? Only works for stocks that pay dividends. Try the intrinsic value calculator →
$68.13
-66.7%Overvalued
Inputs used
COF Fair Value
Current fundamentals: earnings, assets, and growth rate
Graham Number (Value Investing)
25% weightCreated by legendary investor Benjamin Graham. It looks at two things: how much the company earns (EPS) and what its assets are worth (Book Value), then calculates the maximum price a careful investor should pay. Try the fair value calculator →
$291.33
+42.2%Undervalued
Inputs used
PEG (Price/Earnings to Growth)
25% weightChecks if you're paying a fair price for the company's growth. A fast-growing company deserves a higher price than a slow one. This model finds the right price based on how fast earnings are growing.
$227.47
+11.0%Fair Value
Inputs used
What If You Change the Assumptions?
Drag the sliders to test different scenarios. Tap the ? buttons to learn what each input means.
Your DCF Fair Value
Current price $204.85 is 65.1% above this estimate
View 10-year cash flow projections
| Year | Projected FCF (Free Cash Flow) | Present Value |
|---|---|---|
| Year 1 | $1.81B | $1.67B |
| Year 2 | $2.00B | $1.70B |
| Year 3 | $2.21B | $1.73B |
| Year 4 | $2.44B | $1.77B |
| Year 5 | $2.70B | $1.80B |
| Year 6 | $2.99B | $1.84B |
| Year 7 | $3.30B | $1.87B |
| Year 8 | $3.65B | $1.91B |
| Year 9 | $4.03B | $1.95B |
| Year 10 | $4.46B | $1.98B |
| Terminal Value | $76.94B | $34.21B |
What Are COF's Key Financial Metrics?
Earnings & Growth
Current Price
$204.85
EPS (TTM)
$16.32
Forward P/E
8.5
Profit Margin
22.2%
Cash & Balance Sheet
Free Cash Flow
0
EBITDA
0
Book Value
$174.96
Total Debt
49.8B
What Do Analysts Say About COF?
Low
$225.00
Average
$255.48
High
$290.00
Upside
+24.7%
COF Fair Value FAQ
What is the fair value of COF?
Based on our composite model (DCF 35%, Graham 25%, PEG 25%, DDM 15%), COF's estimated fair value is $169.32. The stock is currently trading at $204.85, which makes it overvalued by our analysis.
How is COF's fair value calculated?
We use four valuation methods: Discounted Cash Flow (DCF), Graham Number, PEG-based Fair Value, and Dividend Discount Model (for dividend-paying stocks). The composite score weights DCF at 35%, Graham and PEG at 25% each, and DDM at 15%. When a model can't be applied, its weight is redistributed proportionally.
Is COF overvalued or undervalued?
Based on our analysis, COF is overvalued. The current price of $204.85 is 17.3% above our estimated fair value of $169.32.
What do Wall Street analysts say about COF?
21 analysts cover Capital One Financial Corporation with a consensus rating of "Buy." The average price target is $255.48, ranging from $225.00 to $290.00. This implies 24.7% upside from the current price.