What Is COF Fair Value?
Capital One Financial Corporation (COF) fair value estimate using multiple valuation models, updated daily.
As of August 1, 2026, Capital One Financial Corporation (COF) has a composite fair value estimate of $739.29 based on four valuation models: DCF (35% weight), Graham Number (25% weight), PEG (25% weight), and DDM (15% weight). The current market price is $209.01, suggesting the stock is undervalued by 253.7%.
Data as of August 1, 2026 (today)
Composite Fair Value
Undervalued4 of 4 models$739.29
vs. current price of $209.01(+253.7%)
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 →
$1,465.25
+601.0%Undervalued
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 →
$73.18
-65.0%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 →
$276.66
+32.4%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.
$223.24
+6.8%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 $209.01 is 601.0% below this estimate
View 10-year cash flow projections
| Year | Projected FCF (Free Cash Flow) | Present Value |
|---|---|---|
| Year 1 | $34.92B | $32.21B |
| Year 2 | $38.76B | $32.98B |
| Year 3 | $43.03B | $33.77B |
| Year 4 | $47.77B | $34.58B |
| Year 5 | $53.03B | $35.41B |
| Year 6 | $58.88B | $36.26B |
| Year 7 | $65.36B | $37.13B |
| Year 8 | $72.56B | $38.02B |
| Year 9 | $80.55B | $38.93B |
| Year 10 | $89.43B | $39.86B |
| Terminal Value | $1.55T | $690.78B |
What Are COF's Key Financial Metrics?
Earnings & Growth
Current Price
$209.01
EPS (TTM)
$18.14
Forward P/E
8.7
Profit Margin
21.9%
Cash & Balance Sheet
Free Cash Flow
0
EBITDA
0
Book Value
$167.86
Total Debt
49B
What Do Analysts Say About COF?
Low
$214.00
Average
$256.73
High
$300.00
Upside
+22.8%
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 $739.29. The stock is currently trading at $209.01, which makes it undervalued 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 undervalued. The current price of $209.01 is 253.7% below our estimated fair value of $739.29.
What do Wall Street analysts say about COF?
22 analysts cover Capital One Financial Corporation with a consensus rating of "Buy." The average price target is $256.73, ranging from $214.00 to $300.00. This implies 22.8% upside from the current price.