COF
Capital One Financial Corporation
COF has the edge over HOOD overall, supported by stronger fundamentals and lower modeled downside.
HOOD
Robinhood Markets, Inc.
HOOD offers stronger valuation, but that advantage does not outweigh its weaker overall profile.
COF Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
COF's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like COF.
HOOD Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Healthy | |
| N/A | |
| N/A |
HOOD's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like HOOD.
COF PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 5.4x | $96.85 | -50% |
| Forward | 8.4x | $194 | — |
| Fair | 11x | $195 | +0.7% |
| Current | 11x | $194 | — |
| Expensive | 45x | $817 | +322% |
Historical ranges are pointers, not guarantees.
COF's PE is in its fair range at 11x. If earnings grow as analysts expect, today's price would be 8.4x next year's earnings.
HOOD PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 30x | $81.35 | — |
| Cheap | 37x | $78.84 | -3.1% |
| Current | 38x | $81.35 | — |
| Fair | 51x | $110 | +35% |
| Expensive | 74x | $160 | +96% |
Historical ranges are pointers, not guarantees.
HOOD has the edge over COF in the historical PE scenario, which offers more potential upside but is not a forecast.
COF Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for COF, with profitability improving.
HOOD Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Moderate | |
| Low |
Analysts expect strong earnings and revenue growth for HOOD, with profitability improving. However, they disagree widely on these estimates.
COF Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $22.94 | +27% |
| Q3 2026 | $18.01 | +660% |
| Q2 2026 | $17.23 | +784% |
| Q1 2026 | $3.92 | -67% |
| Q4 2025 | $4.03 | -65% |
| Q3 2025 | $2.37 | -78% |
| Q2 2025 | $1.95 | -82% |
| Q1 2025 | $11.91 | -6.7% |
| Q4 2024 | $11.59 | -3% |
COF's earnings per share have fallen from their peak: $18.01 over the past year, against $26.94 in late 2021.
HOOD Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.72 | +26% |
| Q3 2026 | $2.16 | -10% |
| Q2 2026 | $2.26 | +15% |
| Q1 2026 | $2.06 | +18% |
| Q4 2025 | $2.05 | +31% |
| Q3 2025 | $2.40 | +314% |
| Q2 2025 | $1.96 | +513% |
| Q1 2025 | $1.75 | +1150% |
| Q4 2024 | $1.56 | +$2.17 |
HOOD has the edge over COF on earnings, with more consistent year-over-year improvement.
COF Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $16.3B | +6.4% |
| Q2 2026 | $15.9B | +27% |
| Q1 2026 | $15.2B | +52% |
| Q4 2025 | $15.6B | +53% |
| Q3 2025 | $15.4B | +53% |
| Q2 2025 | $12.5B | +31% |
| Q1 2025 | $10B | +6.4% |
| Q4 2024 | $10.2B | +7.2% |
COF's revenue has grown year over year for 22 quarters in a row: $16.3B last quarter, up 6.4% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 28% | -0.6 points |
| Q2 2026 | 24% | +72 points |
| Q1 2026 | 18% | +0.4 points |
| Q4 2025 | 13% | -0.8 points |
| Q3 2025 | 29% | +6.4 points |
| Q2 2025 | -47% | -54 points |
| Q1 2025 | 17% | +0.5 points |
| Q4 2024 | 14% | +4.5 points |
COF's operating margin was 28% last quarter, down 0.6 points from the same quarter a year ago.
HOOD Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $1.4B | +12% |
| Q2 2026 | $1.3B | +32% |
| Q1 2026 | $1.1B | +15% |
| Q4 2025 | $1.3B | +27% |
| Q3 2025 | $1.3B | +100% |
| Q2 2025 | $989M | +45% |
| Q1 2025 | $927M | +50% |
| Q4 2024 | $1B | +115% |
HOOD has the edge over COF on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 44% | -5.9 points |
| Q2 2026 | 54% | +9.5 points |
| Q1 2026 | 39% | -1.5 points |
| Q4 2025 | 52% | -3.5 points |
| Q3 2025 | 50% | +26 points |
| Q2 2025 | 45% | +17 points |
| Q1 2025 | 40% | +14 points |
| Q4 2024 | 55% | +49 points |
HOOD has the edge over COF on profitability, with a higher operating margin.
COF Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $5.3B | -39% |
| Q2 2026 | $8.1B | +43% |
| Q1 2026 | $5.5B | +27% |
| Q4 2025 | $7.4B | +253% |
| Q3 2025 | $8.8B | +43% |
| Q2 2025 | $5.7B | -4.8% |
| Q1 2025 | $4.3B | +56% |
| Q4 2024 | $2.1B | -69% |
COF's free cash flow was $26.3B over the past year, up 26% from the year before. Free cash flow isn't a meaningful measure for financial services companies like COF.
HOOD Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $1.2B | +$2.8B |
| Q2 2026 | $720M | -79% |
| Q1 2026 | $2B | +217% |
| Q4 2025 | -$937M | +$463M |
| Q3 2025 | -$1.6B | -187% |
| Q2 2025 | $3.5B | +6398% |
| Q1 2025 | $642M | +$1.3B |
| Q4 2024 | -$1.4B | -246% |
HOOD's free cash flow was $3B over the past year, up 159% from the year before. Free cash flow isn't a meaningful measure for financial services companies like HOOD.
COF Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.9% | -11.6M shares |
| 1 year | -4.7% | -30M shares |
| 3 years | +59% | +226M shares |
| 5 years | +38% | +169M shares |
| Available history | +30% | +140M shares |
COF has the edge over HOOD on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $2.7B |
| Q2 2026 | $2.7B |
| Q1 2026 | $2.8B |
| Q4 2025 | $2.5B |
| Q3 2025 | $1B |
| Q2 2025 | $167M |
| Q1 2025 | $375M |
| Q4 2024 | $161M |
COF spent $10.7B buying back its own shares over the past year, about six times what it spent the year before.
HOOD Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.1% | -1M shares |
| 1 year | -0.8% | -6.9M shares |
| 3 years | +1.8% | +15.9M shares |
| 5 years | +292% | +679M shares |
| Available history | +7.2% | +60.8M shares |
HOOD has 911M diluted shares, down 0.8% from a year ago, with $789M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $25M |
| Q2 2026 | $414M |
| Q1 2026 | $250M |
| Q4 2025 | $100M |
| Q3 2025 | $107M |
| Q2 2025 | $124M |
| Q1 2025 | $322M |
| Q4 2024 | $160M |
HOOD spent $789M buying back its own shares over the past year, up 11% from the year before.
COF Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 2.3x | Moderate |
| Q2 2026 | 2.1x | Moderate |
| Q1 2026 | 5.1x | High |
| Q4 2025 | 6.4x | High |
| Q3 2025 | 7.7x | High |
| Q2 2025 | 16.4x | High |
| Q1 2025 | 4.1x | High |
| Q4 2024 | 4.7x | High |
COF's net debt is about 2.3 years of its operating earnings (EBITDA), down from 7.7 years a year ago. Net leverage isn't a meaningful measure for financial services companies like COF.
HOOD Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -1.3x | Net Cash |
| Q2 2026 | -2.1x | Net Cash |
| Q1 2026 | -2.2x | Net Cash |
| Q4 2025 | -1.9x | Net Cash |
| Q3 2025 | -2.1x | Net Cash |
| Q2 2025 | -2.6x | Net Cash |
| Q1 2025 | -3.3x | Net Cash |
| Q4 2024 | -3.8x | Net Cash |
HOOD has the edge over COF on leverage, with a lower net debt burden relative to earnings.
COF Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 42.9 | Neutral |
| Stochastic | 26.9 | Neutral |
COF's weekly RSI is 43 (neutral) and its Stochastic is 27 (neutral).
HOOD Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 40.8 | Neutral |
| Stochastic | 9.5 | Oversold |
HOOD's weekly RSI is 41 (neutral) and its Stochastic is 10 (oversold).
COF PE vs Financial Services Sector
| Metric | COF | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 13x | 17% below |
| PE % | 49 | 63 | 14 pts below |
COF has the edge over HOOD on valuation relative to its sector.
HOOD PE vs Financial Services Sector
| Metric | HOOD | Sector median | Relative |
|---|---|---|---|
| PE | 38x | 13x | 189% above |
| PE % | 22 | 66 | 44 pts below |
HOOD is trading at 38x earnings, a 189% premium to the Financial Services sector's median of 13x.
COF Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $199.7 | 3.1% below |
| 20 week MA | $206.7 | 6.3% below |
| 50 week MA | $206.3 | 6.2% below |
| 100 week MA | $203.1 | 4.7% below |
| 200 week MA | $164.7 | 18% above |
COF has fallen below most of its moving averages, though it's still 18% above its 200-week average.
HOOD Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $97.8 | 17% below |
| 20 week MA | $102.2 | 20% below |
| 50 week MA | $95.4 | 15% below |
| 100 week MA | $88.5 | 8.1% below |
| 200 week MA | $52.1 | 56% above |
HOOD has fallen below most of its moving averages, though it's still 56% above its 200-week average.
COF Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $103.0 | $97.3 | -5.5% |
| 2021 | $97.3 | $145.1 | +49% |
| 2022 | $145.1 | $90.7 | -37% |
| 2023 | $90.7 | $131.1 | +45% |
| 2024 | $131.1 | $180.2 | +37% |
| 2025 | $180.2 | $249.3 | +38% |
| 2026 YTD | $249.3 | $193.6 | -22% |
COF has the edge over HOOD on returns for 2026, with the stronger performance.
HOOD Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2021 | $35.2 | $18.9 | -46% |
| 2022 | $18.9 | $7.95 | -58% |
| 2023 | $7.95 | $12.7 | +60% |
| 2024 | $12.7 | $39.0 | +206% |
| 2025 | $39.0 | $118.1 | +203% |
| 2026 YTD | $118.1 | $81.4 | -31% |
HOOD's yearly returns have swung widely, from +206% in 2024 to −58% in 2022. It's down 31% so far in 2026.