Capital One Financial Corporation (COF) vs The PNC Financial Services Group, Inc. (PNC)
A side-by-side comparison of Capital One Financial Corporation and The PNC Financial Services Group, Inc. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of August 5, 2026. Differences are shown without an overall score or investment verdict.
COF
Capital One Financial Corporation
$221.63Financial ServicesDelayed quote: Aug 5, 2026, 4:00 PM EDT
PNC
The PNC Financial Services Group, Inc.
$255.37Financial ServicesDelayed quote: Aug 5, 2026, 4:00 PM EDT
Total return — COF vs PNC
growth of $100 · dividends reinvested · last 30yCOF +2805.9%PNC +2043.1%COF compounded faster
COF PNC
COF vs PNC: by the numbers
- •COF is the larger company ($135.97B vs $101.89B market cap).
- •COF trades at the lower trailing earnings multiple (13.71 vs 13.99 P/E), one valuation lens rather than an overall verdict.
- •PNC converts more revenue to profit (24.97% vs 13.38% net margin).
- •COF grew revenue faster over the past five years (20.29% vs 11.31% CAGR).
- •PNC pays the higher dividend yield (2.79% vs 1.35%).
Metrics side by side
Valuation
| Metric | COF | PNC |
|---|---|---|
| P/E ratio | 13.71 | 13.99 |
| Forward P/E | 10.85 | 13.37 |
| P/S ratio | 1.75 | 3.36 |
| P/B ratio | 1.21 | 1.60 |
| PEG ratio | N/A | 0.60 |
Profitability
| Metric | COF | PNC |
|---|---|---|
| Gross margin | 47.33% | 79.59% |
| Operating margin | 3.29% | 30.73% |
| Net margin | 13.38% | 24.97% |
| ROE | 9.24% | 11.92% |
| ROIC | 1.09% | 5.27% |
Dividends
| Metric | COF | PNC |
|---|---|---|
| Dividend yield | 1.35% | 2.79% |
| Payout ratio | 74.44% | 42.72% |
Growth (annualized)
| Metric | COF | PNC |
|---|---|---|
| Revenue CAGR (5Y) | 20.29% | 11.31% |
| EPS CAGR (5Y) | -4.93% | 21.18% |
| Total return CAGR (5Y) | 8.28% | 10.54% |
Frequently asked
- Which has the lower trailing P/E, COF or PNC?
- COF has the lower trailing P/E: COF trades at 13.71 and PNC at 13.99. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, COF or PNC?
- Over the past five years, COF grew revenue faster — COF at a 20.29% CAGR versus PNC at 11.31%.
- Does COF or PNC pay a bigger dividend?
- COF yields 1.35% and PNC yields 2.79% based on trailing dividends and the latest price.
- Is COF or PNC more profitable?
- PNC runs the higher net margin — COF at 13.38% versus PNC at 24.97%.
- How have COF and PNC total returns compared?
- Over the past 10 years, COF delivered 14.45% and PNC delivered 15.45% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Capital One Financial P/E ratioPNC Financial Services P/E ratioCapital One Financial dividend yieldPNC Financial Services dividend yieldCapital One Financial ROEPNC Financial Services ROECapital One Financial operating marginPNC Financial Services operating marginCapital One Financial revenue growthPNC Financial Services revenue growthCapital One Financial free cash flowPNC Financial Services free cash flow
Capital One Financial & PNC Financial Services appear in these rankings
Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified August 5, 2026.