Capital One Financial (COF) vs U.S. Bancorp (USB)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
U.S. Bancorp (USB) has outperformed Capital One Financial (COF) over the past year, gaining 18.3% versus a loss of 8.3%. Over five years, COF leads with a +16.3% price change compared with -6.7% for USB. Capital One Financial is the larger company by market cap ($120.19 billion vs $87.52 billion), about 1.4 times the size.
On valuation, Capital One Financial trades at a lower forward P/E (8.2x vs 9.7x for U.S. Bancorp). U.S. Bancorp offers the higher dividend yield (3.70% vs 1.53%). U.S. Bancorp converts more of its revenue into profit, with a net margin of 26.4% 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 | USB |
|---|---|---|
| Share price | $195.91 | $56.17 |
| Market cap | $120.19B | $87.52B |
| 1-day change | +0.05% | -1.95% |
| YTD return | -19.17% | +5.27% |
| 1-year return | -8.32% | +18.25% |
| 5-year return | +16.35% | -6.74% |
| P/E ratio (TTM) | 12.58 | 11.44 |
| Forward P/E | 8.24 | 9.67 |
| EPS (TTM) | $15.57 | $4.91 |
| Dividend yield | 1.53% | 3.70% |
| Annual dividend | $3.00 | $2.08 |
| Revenue (latest FY) | $53.43B | $28.66B |
| Revenue growth (YoY) | +36.62% | +4.37% |
| Net income (latest FY) | $2.45B | $7.57B |
| Net margin | 4.59% | 26.42% |
| 52-week high | $259.64 | $66.08 |
| 52-week low | $174.24 | $45.02 |
| Distance from 52-week high | -24.55% | -15.00% |
| Analyst consensus | buy | buy |
| Avg. price target upside | +31.28% | +22.84% |
| Average volume | 3.63M | 7.45M |
| Shares outstanding | 613.48M | 1.56B |
| Employees | 78,400 | 70,000 |
| Sector | Financial Services | Finance |
| Industry | Credit Services | 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
- USB has outperformed COF by 26.6 percentage points over the past year.
- U.S. Bancorp offers a meaningfully higher dividend yield (3.70% vs 1.53%).
- U.S. Bancorp is more profitable, keeping 26.4 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 +4.37%).
- The two companies sit in different sectors: Capital One Financial in Financial Services and U.S. Bancorp in Finance.
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.
Financial Services · Credit Services · 78,400 employees
About U.S. Bancorp
USB stock →U.S. Bancorp, a financial services holding company, provides various financial services to individuals, businesses, institutional organizations, governmental entities, and other financial institutions in the United States.
Finance · Major Banks · 70,000 employees
COF vs USB FAQ
Which is bigger, Capital One Financial or U.S. Bancorp?
Capital One Financial (COF) is larger, with a market capitalization of $120.19B compared with $87.52B for U.S. Bancorp (USB).
Which stock has performed better over the past year, COF or USB?
USB returned +18.25% 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 USB?
USB has the lower trailing P/E at 11.4, 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 U.S. Bancorp?
U.S. Bancorp has the higher yield at 3.70%, compared with 1.53% for Capital One Financial.
Are Capital One Financial and U.S. Bancorp in the same industry?
No. Capital One Financial is in the Financial Services sector, while U.S. Bancorp is in Finance.