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STOCK COMPARISON

Capital One Financial vs Visa Inc. Class A: Fair Value & Quality

Both stocks run through our valuation models. Here is how Capital One Financial (COF) and Visa Inc. Class A (V) compare, as of Aug 14, 2026.

As of Aug 14, 2026, Fair Value Calculator sees Visa Inc. Class A as the less overvalued of the two: Capital One Financial trades at $224 versus a fair value of $99.88 (-55%), while Visa Inc. Class A trades at $365 versus $198 (-46%).
Capital One Financial
COF · USD · Financials
-55%
upside to fair value
overvalued
Price$224
Fair Value$99.88
Quality37/100
Visa Inc. Class A
V · USD · Financials
-46%
upside to fair value
overvalued
Price$365
Fair Value$198
Quality82/100

Head-to-head numbers

Green value = the better side for that row (for valuation multiples: lower = cheaper).

Capital One FinancialVisa Inc. Class A
Valuation
61.9×P/E (TTM)30.4×
3.43×P/S (TTM)15.42×
1.09×P/B17.51×
15.4×EV/EBITDA22.0×
0.21×PEG1.53×
1.4%Dividend yield0.8%
$2.80Dividend per share$2.60
Profitability
9%Net margin52%
29%Operating margin67%
3%Return on equity60%
0%Return on assets19%
Growth
46%Revenue growth (YoY)17%
21.7%Avg. growth/yr (3Y)10.9%
17.0%Avg. growth/yr (5Y)12.9%
Balance & size
0.43×Debt / equity0.52×
$124BMarket cap$664B
healthyGrowth qualityhealthy

Capital One Financial leads: 9 to 5 metric wins.

Dash = not meaningfully computable, for example with negative equity.

Quality in detail

The quality score, broken down into the same factor families as on the stock page, 0 to 100 per family.

Capital One Financialof which business quality 40 · market factors 54 Visa Inc. Class Aof which business quality 76 · market factors 67
ProfitabilityMargins and returns on capital today
15
76
Quality GrowthAre margins and returns improving?
41
41
CashflowEarnings quality: real cash, not paper profit
100
85
Fin. StrengthBalance sheet, leverage, solvency risk
29
71
InvestmentDisciplined investing over empire-building
43
85
Low VolatilityCalm price path (market factor)
61
83
MomentumPrice trend over the last 3–12 months (market factor)
52
53
52W MomentumDistance to the 52-week high (market factor)
49
72
Net IssuanceBuybacks instead of dilution
0
100

What the models say

The median fair value (base case) per model family, each in the currency of its trading venue. Green = above the current price, red = below.

Capital One Financial

DCF Models$266
Earnings-Based$80.34
Dividend Discount$50.50
Multiples$59.73
Asset-Based$124
Growth DCF$598
Economic Profit$127

8 of 13 models see the stock below the current price.

Visa Inc. Class A

DCF Models$236
Earnings-Based$269
Multiples$94.55
Asset-Based$15.30
Growth DCF$219
Economic Profit$190

10 of 11 models see the stock below the current price.

Scenario ranges

From our cautious bear case to the optimistic bull case. The white tick is the current price: left of fair value means room to run.

Capital One Financial
Bear $47.28Fair Value $99.88Bull $99.88
$224 = current price (white tick)
Visa Inc. Class A
Bear $119Fair Value $198Bull $332
$365 = current price (white tick)

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Ranked within their sector

Where each stock sits within its sector peer group. Band = middle 50% of peers, tick = median, dot = this stock.

Capital One Financial · Financials

Quality score37 · bottom 25%
Fair value upside-55% · bottom 25%

Visa Inc. Class A · Financials

Quality score82 · Top 25%
Fair value upside-46% · bottom 25%

Bottom line

As of Aug 14, 2026, Fair Value Calculator sees Visa Inc. Class A as the less overvalued of the two: Capital One Financial trades at $224 versus a fair value of $99.88 (-55%), while Visa Inc. Class A trades at $365 versus $198 (-46%).

Visa Inc. Class A has the higher quality score (82/100).

See the full analysis →
Capital One Financial · Visa Inc. Class A

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A model-based valuation snapshot from 21 models. Values change with price and fundamentals; the date shown above applies.