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 ?12.9%
ERP ?4.5%
Risk-free rate ?4.1%
Beta (blended) ?1.037
Beta (levered) ?1.405
Terminal OM% ?15.1%
Segment conc. ?80% dominant
Terminal growth ?4.1%
Bond rating ?D · 15.00%
ROIC option ?Opt 4 · 23.6%
Prob of failure ?0.0%
Pipeline validated · 2026-07-21

COF · Capital One Financial Corporation

$204.002026-07-21
Sector: Financial Services; Industry: Financial - Credit Services; Sub-Industry: Consumer Finance

Intrinsic Value Range Comparison · Mulya.ai

Bull
$282
+38.1% vs market
Base · active
$360
+76.6% vs market
Bear
$356
+74.6% vs market
Mulya.ai vs Analyst IV Comparison?
Market $204
Median $267
Bull $282
Bear $356
Base $360
Market Price $204
Mulya.ai Base $360
Analysts Median $267
Mulya.ai IV range ($356 · $282)
Analysts Range ($213 · $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
2024.Q1$49.5B12.2%19.4%$4.9B$7.3B$12.1B11.6%9.0%$54.4B$7.84
2024.Q4$49.5B0.0%12.2%19.7%$4.9B$466MM$5.3B9.4%8.5%$59.3B$7.84
2025.Q1$53.9B9.0%11.0%19.6%$4.8B$1.7B$6.5B11.7%8.5%$52.4B$7.62
2025.Q4$53.9B0.0%11.0%0.0%$6.4B$21.7B$28.1B9.4%8.2%$102.9B$7.62
2026.Q1$75.2B39.4%4.3%11.9%$2.9B$19.4B$22.2B11.8%5.9%−$6.0B$5.1739.1
italics below = DCF projection · 10yr Rev CAGR: 2.9%
2027.Q1$65.0B+-13.6%4.3%12.7%$2.5B$0MM$2.5B12.5%$2.2B0.0%−$6.0B$3.9351.9
2028.Q1$68.7B+5.8%6.5%13.5%$3.8B−$1.0B$2.8B12.1%$2.3B0.0%−$5.0B$6.1833.0
2029.Q1$73.3B+6.8%8.6%14.3%$5.4B−$1.5B$3.9B11.7%$2.8B0.0%−$3.5B$8.7023.4
2030.Q1$77.2B+5.3%10.8%15.1%$7.1B−$6.3B$779MM11.3%$496MM0.0%$2.8B$11.3418.0
2031.Q1$80.9B+4.8%15.1%15.9%$10.3B−$5.7B$4.5B10.9%$2.6B181.4%$8.5B$16.4712.4
Term. Yr+$104.3B4.1%15.1%20.0%$12.6B−$2.2B$10.4B8.6%$83.3B23.6%
Active scenario IV: $360 (+76.6% vs market)