What does the company do?
Capital One Financial Corporation is a diversified banking company focused primarily on consumer and commercial lending and deposit origination. Its principal business segments are Local Banking and National Lending. Local Banking includes the Company’s branch, treasury services and national deposit gathering activities; its commercial, branch-based small business lending and certain branch originated consumer lending, and its mortgage servicing activities. The National Lending segment consists of two sub-segments: the U.S. Card sub-segment, which consists of domestic consumer credit and debit card activities and the other sub-segment, which includes the Company’s auto finance and international lending sub-segments. In February 2009, the Company completed its acquisition of Chevy Chase Bank.
How much does the company sell and earn?
Investors need to know how much stuff or services a company sells, and how much of that total it keeps as income (or profit) to grow its business or return to shareholders. The more of each, the better. In general, look for companies that sell and earn more than peers.
- Capital One Fn one-year sales: 10.88 Bil.
Difference from the average for the Credit Services group: -25.41% - Capital One Fn one-year income: -1.38 Bil.
| Sales & Income (past 12 months) | Company | Industry |
|---|
| Sales | 10.88 Bil | 14.59 Bil | | Income | -1.38 Bil | 493.55 Mil |
How fast is the company growing?
- Capital One Fn one-year sales growth: -4.80%.
Difference from the average for the Credit Services group: 5.80 pct. pts.| Sales & Income Growth (past 12 months) | Company | Industry |
|---|
| Sales Growth | -4.80% | -10.60% | | Income Growth | NA | -24.40% |
How profitable is the company?
Investors prefer companies that increase profit margins -- the percentage of sales that they keep -- every year. This is accomplished either by lowering expenses or raising prices. Look for companies that consistently find ways to squeeze more profits out of sales than their peers.
- Capital One Fn one-year net profit margin: -6.1%
| Net profit margins (%) |
|---|
| Company | -6.1% | | Company 5-Yr Avg. | 14.2% | | Industry | 2.6% |
How is the company's financial health?
The debt/equity ratio shows how much a firm has borrowed as a percentage of its stock equity. The lower, the better.
- Capital One Fn debt/equity ratio: 0.69.
Difference from the average for the Credit Services group: -85.89%.
| | Company | Industry |
|---|
| Debt/equity ratio | 0.69 | 4.89 |
|
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