Capital One Financial (COF) vs PNC Financial Services Group (PNC)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
PNC Financial Services Group (PNC) has outperformed Capital One Financial (COF) over the past year, gaining 12.3% versus a loss of 8.3%. Over five years, COF leads with a +16.3% price change compared with +9.3% for PNC. Capital One Financial is the larger company by market cap ($120.19 billion vs $86.86 billion), about 1.4 times the size.
On valuation, Capital One Financial trades at a lower forward P/E (8.2x vs 10.1x for PNC Financial Services Group). PNC Financial Services Group offers the higher dividend yield (3.12% vs 1.53%). PNC Financial Services Group converts more of its revenue into profit, with a net margin of 30.3% versus 4.6%.
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | COF | PNC |
|---|---|---|
| Share price | $195.91 | $217.72 |
| Market cap | $120.19B | $86.86B |
| 1-day change | +0.05% | -1.11% |
| YTD return | -19.17% | +4.31% |
| 1-year return | -8.32% | +12.34% |
| 5-year return | +16.35% | +9.34% |
| P/E ratio (TTM) | 12.58 | 12.12 |
| Forward P/E | 8.24 | 10.15 |
| EPS (TTM) | $15.57 | $17.96 |
| Dividend yield | 1.53% | 3.12% |
| Annual dividend | $3.00 | $6.80 |
| Revenue (latest FY) | $53.43B | $23.10B |
| Revenue growth (YoY) | +36.62% | +7.16% |
| Net income (latest FY) | $2.45B | $7.00B |
| Net margin | 4.59% | 30.29% |
| 52-week high | $259.64 | $258.96 |
| 52-week low | $174.24 | $176.88 |
| Distance from 52-week high | -24.55% | -15.93% |
| Analyst consensus | buy | buy |
| Avg. price target upside | +31.28% | +25.07% |
| Average volume | 3.63M | 1.76M |
| Shares outstanding | 613.48M | 398.94M |
| Employees | 78,400 | 55,704 |
| Sector | Finance | Finance |
| Industry | Major Banks | Major Banks |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- PNC has outperformed COF by 20.7 percentage points over the past year.
- PNC Financial Services Group offers a meaningfully higher dividend yield (3.12% vs 1.53%).
- PNC Financial Services Group is more profitable, keeping 30.3 cents of every revenue dollar as net income versus 4.6 cents for Capital One Financial.
- Capital One Financial grew revenue faster in its latest fiscal year (+36.62% vs +7.16%).
About Capital One Financial
COF stock →Capital One Financial Corporation operates as the financial services holding company for the Capital One, National Association, which engages in the provision of various financial products and services in the United States, Canada, and the United Kingdom. It operates through three segments: Credit Card, Consumer Banking, and Commercial Banking.
Finance · Major Banks · 78,400 employees
About PNC Financial Services Group
PNC stock →The PNC Financial Services Group, Inc. operates as a diversified financial services company in the United States.
Finance · Major Banks · 55,704 employees
COF vs PNC FAQ
Which is bigger, Capital One Financial or PNC Financial Services Group?
Capital One Financial (COF) is larger, with a market capitalization of $120.19B compared with $86.86B for PNC Financial Services Group (PNC).
Which stock has performed better over the past year, COF or PNC?
PNC returned +12.34% over the past 12 months, compared with -8.32% for COF (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, COF or PNC?
PNC has the lower trailing P/E at 12.1, versus 12.6 for COF. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, Capital One Financial or PNC Financial Services Group?
PNC Financial Services Group has the higher yield at 3.12%, compared with 1.53% for Capital One Financial.
Are Capital One Financial and PNC Financial Services Group in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.