Mulya.ai
Ticker
COF
Scenario
Key Inputs
Revenue est.?Analyst
OP margin est.?hist_ind
Reinvestment est.?projected
R&D capitalizedNo
Leases factoredNo
Key Assumptions
WACC ?14.0%
ERP ?4.5%
Risk-free rate ?4.1%
Beta (blended) ?1.139
Beta (levered) ?1.691
Terminal OM% ?15.1%
Segment conc. ?80% dominant
Terminal growth ?4.1%
Bond rating ?D · 15.00%
ROIC option ?Opt 1 · 8.6%
Prob of failure ?0.0%
Pipeline validated · 2026-05-17

COF · Capital One Financial Corporation

$181.922026-05-17
Sector: Financial Services; Industry: Financial - Credit Services; Sub-Industry: Consumer Finance

Intrinsic Value Range Comparison · Mulya.ai

Bull
$0
-304.9% vs market
Base · active
$167
-8.2% vs market
Bear
$164
-10.1% vs market
Mulya.ai vs Analyst IV Comparison?
Bull $-373
Bear $164
Base $167
Market $182
Median $275
Market Price $182
Mulya.ai Base $167
Analysts Median $275
Mulya.ai IV range ($164 · $-373)
Analysts Range ($218 · $300)
Fundamentals · historical + forward · base
italics = DCF projection
PeriodRevenueRev Gr ?Ops M% ?Tax Rate ?NOPAT ?
Reinvest ?
FCFF ?WACC% ?PV FCFF ?ROIC ?Inv. Cap ?EPS ?P/E
2021.Q4$32.0B49.4%21.6%$12.4B−$4.3B$8.1B8.3%0.0%−$12.9B$22.89
2022.Q4$38.4B19.8%24.1%20.3%$7.4B−$1.8B$5.6B9.1%0.0%−$6.5B$13.60
2023.Q4$49.5B29.0%12.2%19.2%$4.9B$4.6B$9.5B8.8%0.0%−$14.5B$9.03
2024.Q4$53.9B9.0%11.0%19.7%$4.7B$466MM$5.2B9.4%21.2%$59.3B$8.78
2025.Q4$69.3B28.4%3.3%0.0%$2.5B$21.7B$24.2B9.4%3.0%$102.9B$4.5343.2
italics below = DCF projection · 10yr Rev CAGR: 3.3%
2026.Q4$63.6B+-8.2%3.3%2.0%$2.1B$0MM$2.1B13.5%$1.8B2.0%$102.9B$3.7948.0
2027.Q4$66.9B+5.2%5.7%4.0%$3.6B−$683MM$2.9B13.0%$2.3B3.5%$103.6B$6.7027.2
2028.Q4$70.8B+5.8%8.0%6.0%$5.3B−$1.4B$3.9B12.5%$2.7B5.1%$105.0B$9.8418.5
2029.Q4$74.2B+4.9%10.4%8.0%$7.1B−$3.3B$3.8B12.0%$2.3B6.6%$108.3B$13.0813.9
2030.Q4$77.6B+4.5%15.1%10.0%$10.5B−$2.8B$7.7B11.5%$4.3B9.6%$111.1B$19.469.3
Term. Yr+$99.5B4.1%15.1%20.0%$12.0B−$5.7B$6.3B8.6%$48.0B8.6%
Active scenario IV: $167 (-8.2% vs market)