Capital One Financial (COF) vs Truist Financial (TFC)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
Truist Financial (TFC) has outperformed Capital One Financial (COF) over the past year, gaining 0.8% versus a loss of 8.3%. Over five years, COF leads with a +16.3% price change compared with -25.7% for TFC. Capital One Financial is the larger company by market cap ($120.19 billion vs $55.68 billion), about 2.2 times the size, while Truist Financial is growing revenue faster (+53.0% vs +36.6%).
On valuation, Capital One Financial trades at a lower forward P/E (8.2x vs 9.1x for Truist Financial). Truist Financial offers the higher dividend yield (4.56% vs 1.53%). Truist Financial converts more of its revenue into profit, with a net margin of 26.1% 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 | TFC |
|---|---|---|
| Share price | $195.91 | $45.58 |
| Market cap | $120.19B | $55.68B |
| 1-day change | +0.05% | -1.45% |
| YTD return | -19.17% | -7.38% |
| 1-year return | -8.32% | +0.84% |
| 5-year return | +16.35% | -25.69% |
| P/E ratio (TTM) | 12.58 | 10.48 |
| Forward P/E | 8.24 | 9.13 |
| EPS (TTM) | $15.57 | $4.35 |
| Dividend yield | 1.53% | 4.56% |
| Annual dividend | $3.00 | $2.08 |
| Revenue (latest FY) | $53.43B | $20.32B |
| Revenue growth (YoY) | +36.62% | +53.03% |
| Net income (latest FY) | $2.45B | $5.31B |
| Net margin | 4.59% | 26.12% |
| 52-week high | $259.64 | $56.20 |
| 52-week low | $174.24 | $40.78 |
| Distance from 52-week high | -24.55% | -18.90% |
| Analyst consensus | buy | hold |
| Avg. price target upside | +31.28% | +19.15% |
| Average volume | 3.62M | 7.32M |
| Shares outstanding | 613.48M | 1.22B |
| Employees | 78,400 | 37,849 |
| 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
- Capital One Financial is about 2.2 times larger than Truist Financial by market value ($120.19B vs $55.68B).
- Truist Financial offers a meaningfully higher dividend yield (4.56% vs 1.53%).
- Truist Financial is more profitable, keeping 26.1 cents of every revenue dollar as net income versus 4.6 cents for Capital One Financial.
- Truist Financial grew revenue faster in its latest fiscal year (+53.03% vs +36.62%).
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 Truist Financial
TFC stock →Truist Financial Corporation, a financial services company, provides banking and trust services in the Southeastern and Mid-Atlantic United States. The company operates through two segments, Consumer and Small Business Banking; and Wholesale Banking.
Finance · Major Banks · 37,849 employees
COF vs TFC FAQ
Which is bigger, Capital One Financial or Truist Financial?
Capital One Financial (COF) is larger, with a market capitalization of $120.19B compared with $55.68B for Truist Financial (TFC).
Which stock has performed better over the past year, COF or TFC?
TFC returned +0.84% 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 TFC?
TFC has the lower trailing P/E at 10.5, 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 Truist Financial?
Truist Financial has the higher yield at 4.56%, compared with 1.53% for Capital One Financial.
Are Capital One Financial and Truist Financial in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.