Capital One Financial Corporati — Earnings Quality Grade B
COF · Financial Services
Generally healthy
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 24 days, change +0 days YoY
AR growth 37.9% vs revenue growth 36.6%
Revenue 36.6%, CFFO 52.6%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth 31.1% vs revenue 36.6%. Normal
Insufficient data
Insufficient data
Cash Flow Quality
CFFO far exceeds NI (ratio 11.3x). Non-cash charges depressing profits
FCF $26.1B, FCF/NI = 10.66
Accruals ratio = -3.8%. Low accruals
Cash $57.4B covers debt $50.4B
Balance Sheet Health
Goodwill+Intangibles $45.1B = 40% of equity
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles surged 195% YoY
Manipulation Score
Insufficient data
Portfolio monitoring
Monitor COF continuously
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Altman Z-Score — Not Applicable
Capital One Financial Corporati is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25