Capital One Financial Corp
NYSE:COF

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Capital One Financial Corp
NYSE:COF
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Price: 189.15 USD -0.84% Market Closed
Market Cap: 72.4B USD

NIM
Net Interest Margin

10.5%
Current
10%
Average
4.1%
Industry

Net Interest Margin is a measure of the difference between interest paid and interest received, adjusted for the total amount of interest-generating assets held by the bank. A positive net interest margin indicates that the bank is efficiently investing, whereas a negative net interest margin implies inefficient investing.

NIM
10.5%
=
Net Interest Income
31.7B
/
Interest-Earning Assets
303.7B

NIM Across Competitors

Capital One Financial Corp
Glance View

Economic Moat
None
Market Cap
72.4B USD
Industry
Financial Services

Once a humble spin-off from a larger banking enterprise, Capital One Financial Corp. has evolved into a formidable player in the financial services industry. Founded in 1994 by Richard Fairbank and Nigel Morris, the company ingeniously navigated the competitive and saturated world of consumer banking by focusing on a then-novel approach: specialization in credit cards. This focus allowed Capital One to innovate with data-driven strategies, leveraging sophisticated data analytics to assess creditworthiness and personalize offerings for its customers. Over time, this approach not only yielded high returns on its credit card business but also helped the company build a diversified portfolio, including auto loans and commercial banking services. Capital One's business model thrives on making the most out of its customer relationships, encompassing a range of financial products that cater to both individual and commercial needs. The firm's earnings are substantially driven by the interest income generated from its credit operations, while also tapping into fee-based income from various financial services offered. By continuously investing in technology and customer experience, Capital One has reinforced its ability to attract and retain customers, aiming to maintain a competitive edge in an era of digital transformation. With its headquarters in McLean, Virginia, and a presence that spans across the United States, the company effectively bridges traditional banking with modern innovations, ensuring it remains relevant and competitive in a rapidly evolving market.

COF Intrinsic Value
255.53 USD
Undervaluation 26%
Intrinsic Value
Price
What is Net Interest Margin?

Net Interest Margin is a measure of the difference between interest paid and interest received, adjusted for the total amount of interest-generating assets held by the bank. A positive net interest margin indicates that the bank is efficiently investing, whereas a negative net interest margin implies inefficient investing.

NIM
10.5%
=
Net Interest Income
31.7B
/
Interest-Earning Assets
303.7B
What is the NIM of Capital One Financial Corp?

Based on Capital One Financial Corp's most recent financial statements, the company has NIM of 10.5%.

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