DFS vs COF Comparison: AI Score, Valuation, Performance and Upside
Compare Discover Financial and Capital One by network transaction volume, credit quality, merger dynamics, net interest income, and long-term value.
Use this Discover vs Capital One comparison to evaluate the key differences across valuation, growth, profitability, and risk before making an investment decision.
COF holds the edge across 2 of 5 key metrics in this comparison. On fundamentals, COF is growing revenue faster (46.30%), while DFS maintains the higher operating margin (48.02%) — a classic growth-versus-profitability split. Analyst consensus implies meaningfully more upside for COF (+23.82%) than for DFS (+5.77%).
| Metric | DFS | COF |
|---|---|---|
| AI score | N/A | 53.6 |
| AI rank | N/A | #315 |
| Latest close | $200.05 | $201.36 |
| 1M return | N/A | +0.33% |
| 6M return | N/A | -12.83% |
| 1Y return | N/A | -7.39% |
How much would $10,000 be worth today if invested at the start of each period, with all dividends reinvested?
| Period | DFS | COF |
|---|---|---|
| 1Y ago | N/A | $9.18K (-8.2%) started 2025-07-23 |
| 5Y ago | N/A | $14.41K (+44.1%) started 2021-07-26 |
| 10Y ago | N/A | $41.56K (+315.6%) started 2016-07-25 |
Hypothetical — past performance does not guarantee future results.
| Metric | DFS | COF |
|---|---|---|
| Market cap | $50.34B | $128.15B |
| Trailing P/E | 10.69 | 64.01 |
| Forward P/E | 15.76 | 8.57 |
| Price/Sales | N/A | N/A |
| EV/Revenue | 4.05 | 3.07 |
| Analyst target | $211.60 | $257.59 |
| Target upside | +5.77% | +23.82% |
| Metric | DFS | COF |
|---|---|---|
| Revenue growth | 12.90% | 46.30% |
| Earnings growth | 30.50% | -3.20% |
| EPS growth | +30.50% | -3.20% |
| FCF margin | N/A | N/A |
| Operating margin | 48.02% | 28.59% |
| Profit margin | 35.88% | 8.88% |
| ROIC proxy | 28.47% | 3.26% |
| Return on equity | 28.47% | 3.26% |
| Dividend yield | 1.40% | 1.54% |
| Beta | 1.15 | 1.02 |
| Debt/equity | 76.67 | N/A |
| Current ratio | 1.04 | N/A |
| Quick ratio | 1.03 | N/A |
Lower drawdown and smaller single-period drops generally indicate a smoother ride, though they do not guarantee lower future risk.
| Period | Metric | DFS | COF |
|---|---|---|---|
| 1Y | Growth | N/A | -8.25% |
| CAGR | N/A | -8.27% | |
| Sharpe ratio | N/A | -0.24 | |
| Max drawdown | N/A | 31.73% | |
| Max daily drop | N/A | 8.84% | |
| Max wkly drop | N/A | 10.29% | |
| 5Y | Growth | N/A | +33.58% |
| CAGR | N/A | +5.97% | |
| Sharpe ratio | N/A | 0.21 | |
| Max drawdown | N/A | 50.38% | |
| Max daily drop | N/A | 9.96% | |
| Max wkly drop | N/A | 18.58% | |
| 10Y | Growth | N/A | +250.53% |
| CAGR | N/A | +13.37% | |
| Sharpe ratio | N/A | 0.40 | |
| Max drawdown | N/A | 60.25% | |
| Max daily drop | N/A | 23.87% | |
| Max wkly drop | N/A | 38.21% |
| Category | DFS | COF |
|---|---|---|
| Company | DFS | COF |
| Sector | N/A | Financial Services |
| Industry | N/A | N/A |
| Core business | N/A | N/A |
| Investor focus | N/A | N/A |
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